Not the full picture. Built from public records, which leave things out.Read by hand, Oct 2026DetailsThis is built from public records, which leave a lot out, and some of it may be wrong or out of date. Check the sources, and tell us if you spot a mistake. What this site can't tell you Read by hand. We read Deseronto's own documents for this site in October 2026; the Sources page lists which ones. The comparisons with other places still come from the Province's yearly reports.
Questions · 8 so far
Things worth asking about
We read Deseronto's financial reports and meeting minutes, and compared its numbers with 8 similar Ontario towns. These are the things that stood out.
What these are, and what they are not. A question here means a number or practice is unusual, or harder to see than it should be. It does not mean anyone did anything wrong. Most unusual numbers turn out to have ordinary explanations, and every question lists some. The only way to know is to ask.
Worth asking
Worth asking
There may well be a good reason. It is still worth asking what it is.
25 yearsthe term of the November 2000 water and sewer agreement
Deseronto's water and sewage plants serve the town and also the Tyendinaga Mohawk Territory next door. The two have shared the costs since 1985. A written agreement signed in November 2000 says how. A joint board of both sides reviews rates and big projects, and the Mohawks of the Bay of Quinte (MBQ) pay a share of the plants' yearly cost, worked out from how much water and sewage they use. The agreement runs for 25 years from signing, so it was due to end in November 2025. In December 2024 a working group was set up to prepare the next one, and in June 2025 council asked staff to start cost-sharing talks with the MBQ. On August 12, 2026 council went into closed session on “land claim & water contract”. We did not find a new or extended agreement, or any joint board minutes after 2024, on the town's website or meeting portal.
Found by reading the town's own documents · 7 sources
Towns keep savings (called reserves) to pay for new trucks, roof repairs and surprises. Deseronto had $2.1M saved at the end of 2024, up from $1.6M in 2019. That is 44% of one year's spending. None of the 8 similar towns had less, compared with what they spend.
Found automatically from the town's financial reports · 8 sources
$258,915.97booked in 2025 to “Consulting - O/T & Capital - Include MBQ”, a line with no operating budget
The town pays the Ontario Clean Water Agency (OCWA) to run its water and sewage plants. The yearly contract shows up in the books as “Consulting”: 875,321.69 in 2025 against a budget of 833,335. Two more lines, “Consulting - O/T & Capital” (overtime and capital work), have no operating budget at all. They held 258,915.97 (the version that includes the Mohawks' share) and 81,795.44 (the version that excludes it) for 2025. By September 17, 2026 they held 205,361.18 and 2,905.01. The town does budget for the work, in a different place: the capital part of the water and sewer budget sets aside 399,200 for 2025 and 250,500 for 2026 for “Capital Project - OCWA”, to be paid from reserves. That capital line shows nothing spent; the spending appears to be booked in the operating lines instead. As a result, the water and sewer account for 2025 shows a deficit of 153,562.36 against a planned surplus of 284,854.39.
Found by reading the town's own documents · 3 sources
21 of 34regular council meetings from January 2025 to September 2026 had a closed session
Ontario lets councils meet privately for a few reasons, like staff matters, lawsuits or legal advice. Deseronto's council went into closed session at 21 of its 34 regular meetings from January 8, 2025 to September 9, 2026. The agenda names the reason by section of the Municipal Act each time, which is good. After 18 of those sessions, council voted in public that “staff follow the direction of Council as discussed in Closed Session”, without saying what the direction was. Sometimes it does say: on March 11, 2026 it adopted a staff pay grid in public after a closed session. The special budget meetings were not counted.
Found by reading the town's own documents · 4 sources
+$11,773estimated yearly increase for the five-member council from the 2026-2030 term (staff report)
On June 24, 2026 council approved higher yearly pay for the 2026-2030 term: $18,161 for the Mayor, $14,330 for the Deputy Mayor and $12,829 for each Councillor. Staff say today's pay is $15,393, $11,841 and $10,657, and that the pay had not been independently reviewed since 2010. Staff asked 14 municipalities in Hastings County for their pay. The report estimates the rise at about $11,773 a year before statutory costs. It starts with the next term, so no member raises their own pay in this term. The vote was recorded only as “Carried”. Council also decided to give no health benefits.
Found by reading the town's own documents · 3 sources
Aug 14, 2026the date of the auditor's report on the 2025 statements, 7.5 months after year end (worked out by us)
Every year an outside auditor checks the town's books. For 2023 the auditor signed on November 27, 2024. For 2024 it was September 10, 2025. For 2025 it was August 14, 2026. That is getting faster, and each time the opinion is clean and the auditor reported no internal control problems for 2024. But the statements still arrive well after the year ends. On September 9, 2026 council was told the Treasurer's position will become vacant on September 23, 2026, and appointed the Town Manager interim Treasurer, with a search firm and a part-time temporary Treasurer through December 31, 2026. The town expects this to cost about $10,000 net in 2026.
Found by reading the town's own documents · 4 sources
25 yearsthe term of the November 2000 water and sewer agreement
Deseronto's water and sewage plants serve the town and also the Tyendinaga Mohawk Territory next door. The two have shared the costs since 1985. A written agreement signed in November 2000 says how. A joint board of both sides reviews rates and big projects, and the Mohawks of the Bay of Quinte (MBQ) pay a share of the plants' yearly cost, worked out from how much water and sewage they use. The agreement runs for 25 years from signing, so it was due to end in November 2025. In December 2024 a working group was set up to prepare the next one, and in June 2025 council asked staff to start cost-sharing talks with the MBQ. On August 12, 2026 council went into closed session on “land claim & water contract”. We did not find a new or extended agreement, or any joint board minutes after 2024, on the town's website or meeting portal.
Why it matters
Water, sewer and garbage were the town's biggest spending area in 2025. Who pays what share of the plants, and on what terms, decides how much of that falls on Deseronto's roughly 860 households. Residents cannot see whether the terms have changed or when council will decide.
It could be because…
The old agreement carries on until a new one is signed, and talks are going on in the meantime.
Talks are being handled in closed session because they involve legal advice. The town and the MBQ also have other matters under discussion.
The joint board may be meeting but its minutes are not being posted yet.
Questions you could ask
Has the agreement been extended or replaced, and what are the new terms?
What share of the plants' yearly cost did the MBQ pay in 2024 and 2025 under Schedules B to E of the agreement, and how much was billed?
Will the joint board's agendas and minutes for 2025 and 2026 be posted?
When will council decide on the new agreement in public?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Deseronto?Send us your answer and we will publish it with this question.
The agreement between the MBQ and the town sets the term at twenty-five years from the date of execution, with a review every five years. It is dated November 2000. The town operates the water and sewage plants. The MBQ's yearly charge is worked out from the plants' yearly joint cost and the MBQ's share of the water used (and of the sewage processed). The most water the town must deliver to the MBQ is 9,947 cubic metres a month, and the most sewage it must receive is 7,300 cubic metres a month.
December 11, 2024: the joint board's agenda included “Town of Deseronto and MBQ Contractual Agreement - November 2025”. It was decided that a group of town and MBQ staff and the plant operator would work on the agreement before bringing it back to the board. The next board meeting was set for March 26, 2025.
August 12, 2026: council went into closed session to discuss 2 matters of legal advice listed as “(land claim & water contract)” (Resolution 19-26-17). It then voted that staff follow the direction discussed in closed session.
The portal's Water & Sewer Liaison Board folder holds minutes for one 2024 meeting (December 11, 2024) and nothing for 2025 or 2026 when we looked on October 1, 2026. Its agenda folder holds only 2024.
The auditor's 2024 letter lists one uncorrected difference: the MBQ receivable “was overstated in 2023 due to non-shared capital costs being included in the final billing”, by 6,050. Management judged it immaterial.
In 2025 the town recorded 100,000 in revenue from the Mohawks of the Bay of Quinte on its statement of operations (a note says it was a further 200,000 received, of which 100,000 was earned and 100,000 is still deferred).
Deseronto spent $1.1M on water, sewers and garbage in 2019 and $1.7M in 2024. Prices only went up about 18% in that time.
Why did the cost of water, sewers and garbage grow 55% in 5 years?
Water, sewers and garbage
Prices (inflation)
+0%+20%+40%+60%
+55%
201920202021202220232024
Show as a table
Year
Water, sewers and garbage
Prices (inflation)
2019
+0%
+0%
2020
+2%
+1%
2021
+1%
+4%
2022
+2%
+11%
2023
+44%
+16%
2024
+55%
+18%
Change since the first year shown. The grey line is how much prices rose overall, for comparison.
Why it matters
When one area grows much faster than prices, it is either doing more (which may be great) or paying more for the same thing. Residents deserve to know which.
It could be because…
The town added a service, a building or staff that residents asked for.
Costs were moved from another area, so the total did not really change.
Accounting rules changed how costs are sorted.
Large one-time costs, like a study, lawsuit or repair, landed in one year.
Questions you could ask
What did the extra $588K a year pay for?
Why did water treatment go from $874K to $1.3M?
Was each increase approved by council as a separate decision, or did it happen through the yearly budget?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Deseronto?Send us your answer and we will publish it with this question.
Water, sewer and garbage spending by type, 2022: salaries and benefits $271,411, contracted services $116,520, total environmental services expenses $1,800,851. For 2022 the user charges for the service were $1,522,754.
The same for 2025: salaries and benefits $4,741, contracted services $1,215,418, total environmental services expenses $2,364,090, against user charges of $1,746,532. So pay to the town's own water and sewer staff fell and payments to contractors rose.
The water financial plan adopted on June 24, 2026 says the recurring operating costs of the water system consist of “staff salaries and benefits, OCWA's operating contract, utility costs, and debt servicing costs”, expected at about $750,000 in 2026.
Part of the cost is shared with the Mohawks of the Bay of Quinte. The 2000 agreement says the town operates plants that serve both the town and the Tyendinaga Mohawk Territory and recovers the MBQ's share of their yearly cost by a formula based on water used and sewage processed.
Water and sewer rates rise 6.6% on July 1, 2026, about $11.11 every two months for a home using 40 cubic metres or less, with the money going to the capital reserve fund.
Towns keep savings (called reserves) to pay for new trucks, roof repairs and surprises. Deseronto had $2.1M saved at the end of 2024, up from $1.6M in 2019. That is 44% of one year's spending. None of the 8 similar towns had less, compared with what they spend.
Does Deseronto have enough saved for repairs and emergencies?
$0$500K$1.0M$1.5M$2.0M$2.5M
$2.1M
201920202021202220232024
Show as a table
Year
Savings (reserves)
2019
$1.6M
2020
$1.8M
2021
$2.0M
2022
$2.3M
2023
$2.4M
2024
$2.1M
Why it matters
With little saved, a broken bridge or a storm has to be paid for with a sudden tax increase or a loan. Low savings can also mean past budgets were balanced by spending savings instead of facing the real cost.
It could be because…
The town spent savings on purpose, on projects that were planned and saved up for.
Some savings were used to match grant money, which brings in more than it costs.
The town has a plan to rebuild its savings.
Questions you could ask
The plan says a 3.0% yearly tax increase leads to falling reserves and 5.0% is needed to hold them steady. The 2026 levy rose 3.15%. How does council plan to close the gap, and by when?
Does the town have a written reserve policy with a target amount for each reserve?
Which projects would be put off if the tax and rate increases stay below the plan's levels?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Deseronto?Send us your answer and we will publish it with this question.
Reserves at December 31, 2025 totalled $1,772,652 (2024: $2,111,848). Water and sewer $821,633 (2024: $951,027); future capital assets $375,939 (2024: $512,371); working funds $554,387 (2024: $627,756).
The town's 2026 Asset Management Plan tests two tax paths. With the tax levy rising 3.0% a year, the plan “results in a declining reserve balance over the next 25 years”. With 5.0% a year, reserves stay stable but reach a low of about $3 million below zero, unless some projects are put off or paid by debt. For water and sewer rates, 3.0% a year is not enough and 3.5% a year keeps reserves stable.
The plan also says “The Town is highly dependent on recurring Provincial and Federal grants to fund its infrastructure program.” Without the extra tax, the town “would have to lower tax-supported capital spending by approximately 40% to an annual level of ~$300,000 (in 2026 $)”. Recurring grants are 32% of 2026 revenues and are not raised with inflation.
The yearly spending needed to keep roads, buildings and equipment at the target level is about $547,000 for tax-supported assets and $422,000 for water and sewer assets, in 2026 dollars.
The water financial plan expects cash and reserves for the water system to fall from $347,302 at the end of 2026 to $193,611 at the end of 2031, and calls it “a viable plan” to fund the expected costs.
$258,915.97booked in 2025 to “Consulting - O/T & Capital - Include MBQ”, a line with no operating budget
The town pays the Ontario Clean Water Agency (OCWA) to run its water and sewage plants. The yearly contract shows up in the books as “Consulting”: 875,321.69 in 2025 against a budget of 833,335. Two more lines, “Consulting - O/T & Capital” (overtime and capital work), have no operating budget at all. They held 258,915.97 (the version that includes the Mohawks' share) and 81,795.44 (the version that excludes it) for 2025. By September 17, 2026 they held 205,361.18 and 2,905.01. The town does budget for the work, in a different place: the capital part of the water and sewer budget sets aside 399,200 for 2025 and 250,500 for 2026 for “Capital Project - OCWA”, to be paid from reserves. That capital line shows nothing spent; the spending appears to be booked in the operating lines instead. As a result, the water and sewer account for 2025 shows a deficit of 153,562.36 against a planned surplus of 284,854.39.
Why it matters
This looks like one cost shown under two headings, not an overrun. But a reader of the budget reports cannot tell that without digging, and these costs are shared with the Mohawks of the Bay of Quinte. Showing the work and its budget side by side would let residents check it.
It could be because…
The work is capital work (for example plant repairs) that the town budgets in the capital section and the bookkeeping puts in operating accounts.
Part of these costs is billed on to the Mohawks of the Bay of Quinte under the cost-sharing agreement.
The reserve money is drawn at year end, after the work is done.
Questions you could ask
Which jobs make up the overtime and capital charges, and how much of each year's charges did the MBQ pay?
Will the variance report show the operator's capital work and its reserve draw on the same line as its budget?
Is the operator's yearly contract fee the only fixed cost, and when was it last tendered or renegotiated?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Deseronto?Send us your answer and we will publish it with this question.
Water & Sewer account, 2025 actual, 2025 cash budget, 2026 budget: Consulting 875,321.69, 833,335.00, 839,500.00. Consulting - O/T & Capital - Include MBQ: 258,915.97 actual, no budget. Consulting - O/T & Capital - Exclude MBQ: 81,795.44 actual, no budget. Total expenditures 1,635,806.35 against a budget of 1,272,520.61; net surplus/(deficit) (153,562.36) against a budget of 284,854.39.
Capital part of the same account: Capital Project - OCWA 0.00 actual in 2025, budget 399,200.00 for 2025 and 250,500.00 for 2026, funded by “W & S Contri from Reserves - OCWA” of the same amounts.
Year to September 30, 2026 (printed September 17, 2026): Consulting 636,153.94 of a budget of 839,500.00; Consulting - O/T & Capital - Include MBQ 205,361.18 with no budget; Exclude MBQ 2,905.01 with no budget; Contri from Reserves - OCWA budget 250,500.00 with nothing drawn yet.
21 of 34regular council meetings from January 2025 to September 2026 had a closed session
Ontario lets councils meet privately for a few reasons, like staff matters, lawsuits or legal advice. Deseronto's council went into closed session at 21 of its 34 regular meetings from January 8, 2025 to September 9, 2026. The agenda names the reason by section of the Municipal Act each time, which is good. After 18 of those sessions, council voted in public that “staff follow the direction of Council as discussed in Closed Session”, without saying what the direction was. Sometimes it does say: on March 11, 2026 it adopted a staff pay grid in public after a closed session. The special budget meetings were not counted.
Why it matters
A closed meeting is allowed. The public should still learn the outcome when it is safe to share. A vote to “follow the direction” tells residents something was decided, but not what. Repeated often, it makes it hard to hold anyone to account.
It could be because…
Many sessions are about staff, lawsuits or legal advice, where details must stay private.
The law allows councils to give directions to staff in a closed meeting.
A small council may use the same wording every time out of habit.
Questions you could ask
For each closed meeting in the last year, which decisions have since been made public, and where?
Will council report the outcome of closed-session directions, in general terms, once the reason for privacy has passed?
Has anyone ever asked for a closed-meeting investigation, and was a report published?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Deseronto?Send us your answer and we will publish it with this question.
The evidence
2025: council went into closed session at 11 of the 19 regular meetings we read, and at all 11 voted that staff follow the direction discussed in closed session. Example, January 22, 2025: 3 matters (personal matters about an identifiable individual, litigation or potential litigation, and advice subject to solicitor-client privilege), followed by Resolution 02-25-14.
2026 to September 9: council went into closed session at 10 of the 15 regular meetings we read. At 7 of them it voted that staff follow the direction discussed in closed session. On March 11, 2026 it went into closed session on “Personal matters about an identifiable person - Wage Grid” and then adopted the 2026 compensation grid in public (Resolution 08-26-14).
June 24, 2026: council passed Resolution 16-26-10 that staff “consult with Hastings County to inquire whether or not they will be doing a group tender for a Closed Meeting Investigator”.
The Ontario Ombudsman: “Although there is no requirement under the Municipal Act, 2001 for municipal councils to report back in public after the conclusion of a closed meeting, the Ombudsman recommends this practice to increase transparency of the closed meeting process.”
+$11,773estimated yearly increase for the five-member council from the 2026-2030 term (staff report)
On June 24, 2026 council approved higher yearly pay for the 2026-2030 term: $18,161 for the Mayor, $14,330 for the Deputy Mayor and $12,829 for each Councillor. Staff say today's pay is $15,393, $11,841 and $10,657, and that the pay had not been independently reviewed since 2010. Staff asked 14 municipalities in Hastings County for their pay. The report estimates the rise at about $11,773 a year before statutory costs. It starts with the next term, so no member raises their own pay in this term. The vote was recorded only as “Carried”. Council also decided to give no health benefits.
Why it matters
Council pay is a small part of the budget (the 2025 statement shows $58,216.08 in pay). Residents are right to see how it is decided. Here the town has published its method and comparison, and the new pay takes effect after the October 26, 2026 election.
It could be because…
Pay lagged behind neighbours: the report says current pay is below the median and average of comparable councils.
The pay structure had not been independently reviewed since 2010.
Staff showed other options, from a 15% rise to about 45%, and council chose a middle one.
Questions you could ask
Did any council member declare an interest or abstain, since the vote is recorded only as “Carried”?
Will the town post the council pay statements on its website each year?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Deseronto?Send us your answer and we will publish it with this question.
The evidence
Staff report, June 24, 2026: recommends Mayor $18,161, Deputy Mayor $14,330 and Councillor $12,829 a year for 2026-2030, and no health benefits. “The Council honorarium structure hasn't had an independent review since 2010.” Staff contacted 14 municipalities in Hastings County. Today's pay: Mayor $15,393, Deputy Mayor $11,841, Councillor $10,657. The estimated yearly increase is $11,773 before statutory employer costs. It would take effect for the 2026-2030 term, “thereby maintaining the established practice of not altering compensation during an active term of office”.
Resolution 16-26-06 approved the revised remuneration (Mayor $18,161, Deputy Mayor $14,330, Councillor $12,829), no health benefit coverage, and meeting stipends only for boards and committees with an approved honorarium structure. The minutes record “Carried”, with no recorded vote.
2025 Statement of Remuneration and Expenses: honorariums totalled $58,216.08, and conferences and mileage $2,481.97 and $288.32, for a total of $60,986.37.
Aug 14, 2026the date of the auditor's report on the 2025 statements, 7.5 months after year end (worked out by us)
Every year an outside auditor checks the town's books. For 2023 the auditor signed on November 27, 2024. For 2024 it was September 10, 2025. For 2025 it was August 14, 2026. That is getting faster, and each time the opinion is clean and the auditor reported no internal control problems for 2024. But the statements still arrive well after the year ends. On September 9, 2026 council was told the Treasurer's position will become vacant on September 23, 2026, and appointed the Town Manager interim Treasurer, with a search firm and a part-time temporary Treasurer through December 31, 2026. The town expects this to cost about $10,000 net in 2026.
Why it matters
The audited statements are the most trustworthy picture of the town's money. When they come late, residents and council rely on unaudited budget reports for months. A vacancy in the top finance job just before an election and a 2026 audit makes timing worth watching.
It could be because…
A small finance staff takes longer, and new accounting rules for revenue and for purchased intangibles took effect for 2024.
The audit schedule is set by the audit firm and council's meeting dates.
The interim plan is meant to keep the work moving through the vacancy.
Questions you could ask
What is holding the audit up each year, and when does the town expect the 2026 statements?
Who will present the 2026 budget and year-end reports to the new council in the first months of its term?
Will the temporary Treasurer's contract be published once signed?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Deseronto?Send us your answer and we will publish it with this question.
The evidence
The auditor's report on the 2023 statements is dated November 27, 2024. The opinion is clean (“present fairly”).
The auditor's report on the 2024 statements is dated September 10, 2025, the date they were presented to council. The auditor's letter says: “There are no internal control matters that we wish to bring to your attention.”
The auditor's report on the 2025 statements is dated August 14, 2026, and the management report August 12, 2026. The opinion is that the statements “present fairly, in all material respects”.
“The Town of Deseronto's Treasurer position will become vacant effective September 23, 2026, following the resignation of the current Treasurer.” The cost of the interim arrangement is estimated at $10,000 net for 2026.
Deseronto spent about $3,516 per home on long-term debt in 2024. The typical similar town spent $542. None of the 8 similar towns spent more.
Why it matters
Spending more than neighbours is not wrong by itself. It might buy better service. But it is the first place to look for costs that could be lower, such as contracts that were not competitively bid.
It could be because…
Geography: more roads, more snow, a bigger area or a landfill of its own.
Accounting: some towns record the same cost in a different category.
A one-time cost in this year.
Questions you could ask
What are the town's annual repayment limit and its current debt payments as a share of it, with the 2027 water tower loan counted?
What was each of the seven existing loans for, and which are paid from water and sewer fees and which from taxes?
What share of the water tower's debt payments will the Mohawks of the Bay of Quinte pay?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Deseronto?Send us your answer and we will publish it with this question.
The evidence
Long-term debt per home: Deseronto $3,516; typical similar town $542; ranked 1st highest of 9.
Long-term debt was $3,049,669 at December 31, 2025 (2024: $3,024,053), all in loans from Ontario Infrastructure and Lands Corporation at 2.6% to 4.62% a year, due between 2032 and 2050. Interest paid in 2025 was $115,124 (2024: $97,665). The note says yearly payments “are within the annual debt repayment limit prescribed by the Ministry of Municipal Affairs and Housing”.
After year end the town signed a funding agreement with the Province of $2,758,487 to rehabilitate the water treatment and distribution system, 73% of an estimated $3,778,750. “The remaining costs will be funded through the issuance of a debenture and contributions from the Mohawks of the Bay of Quinte First Nation.”
The water financial plan: “The Town has two existing debentures with annual payments of approximately $72,000. The Town is planning to issue a new debenture in 2027 to fund a portion of the water tower project.” It lists new debt of $1,000,000 in 2027, a grant of $2,774,000, and loan principal for the water system of $1,142,921 at the end of 2026 and $2,102,862 at the end of 2027. The plan expects the water system's rates to rise 3.5% a year.
Loan payments in the 2026 water and sewer budget (shown as principal and interest): Infrastructure Ontario wastewater loan 33,790.46 and 35,912.62; water loan 25,769.56 and 22,442.52; water meter loan 13,439.04 and 11,063.76. They are charged to the water and sewer account.
On June 25, 2025 council directed staff to borrow $150,000 over 10 years from Infrastructure Ontario for a new plow truck, with the rest from reserves.
The town's assets are valued at about $120 million to replace, for a population of 1,747 (2021 Census): 13.7 km of watermains, 12.4 km of sewers, one water plant and one sewage plant.
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