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by hand, Oct 2026DetailsThis is built from public records, which leave a lot out, and some of it may be wrong or out of date.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 The South Bruce Peninsula'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 · 11 so far
Things worth asking about
We read The South Bruce Peninsula's financial reports and meeting minutes, and compared its numbers with 47 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.
$2,080,901.27the Town's share of the other side's costs plus the amount owed to Canada, from the May 21, 2024 ruling (added up by us)
The Town is a defendant in a court case brought by the Chippewas of Saugeen First Nation over part of Sauble Beach. In a ruling dated May 21, 2024, the court said who pays the costs of the first phase of the trial. It put 50 percent of the other side's costs on the Town ($1,610,901.27) and ordered the Town to pay another $470,000 to the federal government. Together that is $2,080,901.27 (worked out by us). The Court of Appeal later refused the Town permission to appeal those costs. The 2024 and 2025 financial statements we read do not print either amount.
Found by reading the town's own documents · 5 sources
0mentions of the land claim in the 2025 financial statements we read (in the 2024 statements it was named in a note)
The 2024 statements had a note about the land claim: the Town was a defendant, a court decision went against it, and it was appealing. The 2025 statements have the same note number (16, Contingencies) but mention only insurance claims. We found no mention of the land claim, the First Nation or the court case anywhere in the 2025 statements' text. The case was still going: the Town's own page lists a document filed with the Supreme Court of Canada in February 2025, and its media release says a second phase about compensation was not expected to be decided until 2026 at the earliest.
Found by reading the town's own documents · 4 sources
$2,901,779contracted services in general government in 2024, against $671,448 in 2023 and $452,754 in 2025
General government is the part of the Town that runs the Town itself (administration, council, town buildings). The statements break its spending down by type. Spending on contracted services (work bought from outside companies) in that part was $671,448 in 2023, $2,901,779 in 2024 and $452,754 in 2025. In 2024 total general government spending was $5,461,490, against a budget of $3,325,680. The statements do not say what the 2024 amount was for.
Found by reading the town's own documents · 3 sources
$8,134,313spent on capital in 2025, against a budget of $12,942,500
Capital means building or buying things that last, such as roads and buildings. For 2025 the Town budgeted $12,942,500 for these and spent $8,134,313. It also budgeted an annual surplus of $9,564,341 and ended with $5,222,028. Part of the gap is money from other municipalities for roads: $3,502,858 budgeted and $840,460 received. The Town's statements show projects still under way, which is a likely reason.
Found by reading the town's own documents · 4 sources
The South Bruce Peninsula spent $1.5M on parks, arena and library in 2019 and $2.8M in 2025. Prices only went up about 21% in that time. Only 5 of 47 similar towns had faster growth here.
Found automatically from the town's financial reports · 3 sources
$610,053recycling sales in 2025, against a budget of $50,935
Two kinds of income came in far above the budget in both 2024 and 2025. Investment income was budgeted at $508,500 in 2024 and came in at $1,426,073. For 2025 it was budgeted at $891,926 and came in at $1,267,849. Sales of recycling materials were budgeted at $72,385 in 2024 and came in at $672,065, then budgeted at $50,935 in 2025 and came in at $610,053. The statements say the 2025 surplus, including an unrealized gain of $243,400, was moved into reserves as Council approved.
Found by reading the town's own documents · 3 sources
$2,342,795owing on a 5.46% bank loan at the end of 2025
The Town owes a bank (Royal Bank of Canada) $2,342,795 on a loan at 5.46% due in November 2038, and paid $133,247 in interest on its debt in 2025. At the same time its statements list investments that include guaranteed investment certificates (GICs, which are fixed-term savings) paying 3.85% to 4.06% at one institution, and a credit-union balance of $10,862,910 in investment deposits.
Found by reading the town's own documents · 3 sources
$29,092the yearly pay for a Councillor from January 1, 2027, under By-Law 25-2026
By-Law 25-2026 sets council pay at $49,628 for the Mayor, $35,938 for the Deputy Mayor and $29,092 for a Councillor, starting January 1, 2027. After that it goes up each year by whatever raise non-union staff are given. We did not find the Town's yearly statement of what council members were actually paid, or the old rates, on the pages we read, so we cannot say how much of a change this is.
Found by reading the town's own documents · 1 source
January 19, 2027the date the proposed schedule gives for formal approval of the 2027 budget by by-law
The Town's proposed 2027 budget schedule has the draft budget going to council on December 1, 2026, a public meeting that evening, special budget meetings from December 7 to 15, 2026, and a formal approval by by-law on January 19, 2027. The election closes at 8:00 p.m. on October 26, 2026, so these meetings come after it.
Found by reading the town's own documents · 2 sources
The South Bruce Peninsula spent about $331 per home on garbage, dump and recycling in 2025. The typical similar town spent $159. Only 3 of 47 similar towns spent more.
Found automatically from the town's financial reports · 1 source
$2,080,901.27the Town's share of the other side's costs plus the amount owed to Canada, from the May 21, 2024 ruling (added up by us)
The Town is a defendant in a court case brought by the Chippewas of Saugeen First Nation over part of Sauble Beach. In a ruling dated May 21, 2024, the court said who pays the costs of the first phase of the trial. It put 50 percent of the other side's costs on the Town ($1,610,901.27) and ordered the Town to pay another $470,000 to the federal government. Together that is $2,080,901.27 (worked out by us). The Court of Appeal later refused the Town permission to appeal those costs. The 2024 and 2025 financial statements we read do not print either amount.
Why it matters
This is about two million dollars. Residents pay for it through taxes or reserves (savings accounts the Town keeps for later), so they can reasonably ask how much was paid, from where, and how much more could be coming.
It could be because…
The Town may have paid or set aside these amounts in 2024 and recorded them inside another line, such as general government spending, without naming them.
Insurance, reserves or an agreement with its lawyers may cover some of the cost. We could not read the Town's budget reports or council minutes, which may explain it.
The Town is asking, in the second phase of the case, to be repaid by the federal government for its share. A statement may leave out a hoped-for repayment until it is decided.
The cost order is joint and several, which means the other side can collect all of it from any one defendant. The split between the defendants matters only if one of them pays more than its share.
Questions you could ask
How much has the Town paid, or set aside, toward the $1,610,901.27 share and the $470,000 order, and in which year and which line of the statements?
What are the Town's total legal and consulting costs for the land claim case so far, by year?
Where in the budget and the statements can a resident find these amounts, and are any covered by insurance or by the federal government?
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 The South Bruce Peninsula?Send us your answer and we will publish it with this question.
The evidence
The court said the First Nation "is entitled to their costs against the defendants, on a partial indemnity scale, in the amount of $3,221,802.54, on a joint and several basis". The court then split that between the defendants: "The Town is responsible for the remaining 50 percent of Saugeen's costs in the amount of $1,610,901.27".
The same ruling makes an order that the Town pay part of the federal government's own costs, which it fixed at $470,000: "in the sum of $470,000 all-inclusive by way of a Sanderson order". The ruling also says the Town's request for the federal government to pay the Town's costs was dismissed.
The Town's own explanation in court: its claim to be repaid for its share of these costs by the federal government "is accordingly the subject of Phase II" of the case, which the court said it would decide later.
The Town's January 10, 2025 media release says its legal team "appreciates and understands the significance of the costs borne by South Bruce Peninsula to date" and offered to carry out the further appeal "at no cost to the Town, should the appeal be unsuccessful." It does not give a total of what the Town has paid.
0mentions of the land claim in the 2025 financial statements we read (in the 2024 statements it was named in a note)
The 2024 statements had a note about the land claim: the Town was a defendant, a court decision went against it, and it was appealing. The 2025 statements have the same note number (16, Contingencies) but mention only insurance claims. We found no mention of the land claim, the First Nation or the court case anywhere in the 2025 statements' text. The case was still going: the Town's own page lists a document filed with the Supreme Court of Canada in February 2025, and its media release says a second phase about compensation was not expected to be decided until 2026 at the earliest.
Why it matters
A contingency note is where the auditors and the Town tell readers about a legal risk that could cost money later. If the case is still open, residents would expect to see it there, or a clear statement that it is over.
It could be because…
The Town and its auditors may have decided the remaining risk is too uncertain to describe, or that it is covered by other wording.
The case may have ended in a way we did not find. The Town's page lists nothing after January 10, 2025, but we did not read council minutes.
The 2025 statements may have been shortened or reorganized. The note numbers match, so we expected the same topics.
Questions you could ask
Is the land claim case still open in any court, and what stage is it at?
Why was the land claim note taken out of the contingencies note in the 2025 statements?
Does the Town expect to owe more than the cost orders, such as compensation in the second phase?
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 The South Bruce Peninsula?Send us your answer and we will publish it with this question.
The evidence
The 2024 statements, Note 16 (Contingencies), say: "The Town of South Bruce Peninsula along with private land owners, was named as defendants in a land claim action filed by the Chippewas of Saugeen First Nation. A decision not in favour of the Municipality was rendered in Superior Court. The Municipality is currently in the process of appealing the decision."
The 2025 statements, Note 16 (Contingencies), say only: "The Municipality has claims that are in proceedings through their insurance company. The Municipality's liability with respect to these claims is not determinable at this time." The words "land claim", "Saugeen", "Chippewas" and "appeal" (about the case) do not appear anywhere in the text of the 34-page PDF.
The Town's media release of January 10, 2025 says: "'Phase Two' of the Land Claim Trial primarily deals with compensation to impacted parties and it won't likely be resolved until sometime in 2026 at the earliest."
The Town's land claim page lists a "Supreme Court of Canada Memorandum of Argument" (the linked file is dated February 7, 2025) and media releases up to January 10, 2025. We did not find any later update on the page. The page says it was last updated September 1, 2026.
$2,901,779contracted services in general government in 2024, against $671,448 in 2023 and $452,754 in 2025
General government is the part of the Town that runs the Town itself (administration, council, town buildings). The statements break its spending down by type. Spending on contracted services (work bought from outside companies) in that part was $671,448 in 2023, $2,901,779 in 2024 and $452,754 in 2025. In 2024 total general government spending was $5,461,490, against a budget of $3,325,680. The statements do not say what the 2024 amount was for.
Why it matters
A one-year jump of more than $2 million in a single line, in the part of the Town that is meant to be its own running costs, is a reasonable thing to ask about. The answer may be ordinary.
It could be because…
It could be legal costs. The Town was in court over the Sauble Beach land claim, and its lawyers' bills would be a contracted service. The statements do not say so, and we are not claiming it.
It could be a one-time project, such as a study or a legal matter.
It could be a change in how the Town sorts its costs from one year to the next.
Questions you could ask
What contracts made up the $2,901,779 of contracted services in general government in 2024?
How much of it was legal fees, and for which matters?
Why was the budget for general government in 2024 set at $3,325,680 when actual spending was $5,461,490?
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 The South Bruce Peninsula?Send us your answer and we will publish it with this question.
The evidence
In the 2024 statements' note on spending by service area, the General Government column shows contracted services of $2,901,779 for 2024. The 2023 note, on the next page, shows $671,448 in the same column.
Financial Information, December 31, 2024 · Note on segmented information, 2024 table PDF page 33 and 2023 table PDF page 34, General Government column, Contracted services row
The same 2024 statements show general government expenses of 3,325,680 in the 2024 budget column and 5,461,490 in the 2024 actual column.
$8,134,313spent on capital in 2025, against a budget of $12,942,500
Capital means building or buying things that last, such as roads and buildings. For 2025 the Town budgeted $12,942,500 for these and spent $8,134,313. It also budgeted an annual surplus of $9,564,341 and ended with $5,222,028. Part of the gap is money from other municipalities for roads: $3,502,858 budgeted and $840,460 received. The Town's statements show projects still under way, which is a likely reason.
Why it matters
Large gaps between a budget and what happened can mean projects are delayed, or that budgets are set too high. Either way residents who pay taxes toward these projects will want to know if they are late.
It could be because…
Projects were started but not finished by December 31, 2025. The statements show work still in progress, and contracts the Town has signed.
Money from other municipalities for roads comes only when the work is done, so late work means late money.
The budgeted surplus may be tied to the capital plan, so smaller capital spending and a smaller surplus could go together.
Questions you could ask
Which 2025 capital projects were not finished, and when will each be done?
Is the $3,502,858 of road money from other municipalities still expected, and in which year?
How are capital budgets checked for what can actually be built in a 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 The South Bruce Peninsula?Send us your answer and we will publish it with this question.
The evidence
The statement of changes in net financial assets shows acquisition of tangible capital assets of (12,942,500) in the 2025 budget column and (8,134,313) in the 2025 actual column.
The note on government transfers shows capital transfers for roads from Other Municipalities of 3,502,858 in the 2025 budget column and 840,460 in the 2025 actual column.
The Town's own figures on unfinished work: "The net book value of tangible capital assets not being amortized because they are under construction is $6,536,275 (2024 - $1,264,667)." Note 15 adds that the Town has signed contracts for capital projects and vehicles with "a $2,702,453 commitment as of December 31, 2025."
The South Bruce Peninsula spent $1.5M on parks, arena and library in 2019 and $2.8M in 2025. Prices only went up about 21% in that time. Only 5 of 47 similar towns had faster growth here.
Why did the cost of parks, arena and library grow 90% in 6 years?
Parks, arena and library
Prices (inflation)
−20%+0%+20%+40%+60%+80%+100%
+90%
2019202020212022202320242025
Show as a table
Year
Parks, arena and library
Prices (inflation)
2019
+0%
+0%
2020
−10%
+1%
2021
+51%
+4%
2022
+60%
+11%
2023
+60%
+16%
2024
+70%
+18%
2025
+90%
+21%
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 $1.3M a year pay for?
Why did parks go from $467K to $1.1M?
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 The South Bruce Peninsula?Send us your answer and we will publish it with this question.
The South Bruce Peninsula spent $2.4M on water, sewers and garbage in 2019 and $4.8M in 2025. Prices only went up about 21% in that time.
Why did the cost of water, sewers and garbage grow 100% in 6 years?
Water, sewers and garbage
Prices (inflation)
+0%+20%+40%+60%+80%+100%+120%
+100%
2019202020212022202320242025
Show as a table
Year
Water, sewers and garbage
Prices (inflation)
2019
+0%
+0%
2020
+35%
+1%
2021
+46%
+4%
2022
+49%
+11%
2023
+62%
+16%
2024
+84%
+18%
2025
+100%
+21%
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 $2.4M a year pay for?
Why did recycling go from $386K 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 The South Bruce Peninsula?Send us your answer and we will publish it with this question.
$610,053recycling sales in 2025, against a budget of $50,935
Two kinds of income came in far above the budget in both 2024 and 2025. Investment income was budgeted at $508,500 in 2024 and came in at $1,426,073. For 2025 it was budgeted at $891,926 and came in at $1,267,849. Sales of recycling materials were budgeted at $72,385 in 2024 and came in at $672,065, then budgeted at $50,935 in 2025 and came in at $610,053. The statements say the 2025 surplus, including an unrealized gain of $243,400, was moved into reserves as Council approved.
Why it matters
Budgeting low for money that is hard to predict is common, and may reflect caution. But if it happens by a wide margin two years running, the budget presented to residents understates the money the Town has, and residents may be asked to cover costs that the Town's own income could handle.
It could be because…
Interest rates and recycling prices move a lot, so budgeting low may be a deliberate safety margin.
Recycling sales may be linked to the Bruce Area Solid Waste Recycling joint board, in which the Town has a 20.74% interest, and the Town may budget only part of it.
Extra income goes into reserves, so it is saved rather than spent: the Town says the 2025 surplus went to reserves as Council approved.
Questions you could ask
How does the Town set its investment income and recycling sales budgets, and why have they been well under actual results in both 2024 and 2025?
Would budgeting closer to expected results change the tax rate residents are asked to 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 The South Bruce Peninsula?Send us your answer and we will publish it with this question.
The evidence
In the 2025 statements, Note 8 (Other Income) shows: Investment income 891,926 (2025 budget), 1,267,849 (2025 actual) and 1,426,073 (2024 actual); Sale of recycling materials, etc. 50,935 (2025 budget), 610,053 (2025 actual) and 672,065 (2024 actual).
In the 2024 statements, Note 8 (Other Income) shows: Investment income 508,500 (2024 budget) and 1,426,073 (2024 actual); Sale of recycling materials, etc. 72,385 (2024 budget) and 672,065 (2024 actual).
The Town's own explanation of where the extra went: "The 2025 operating surplus of $1,617,096, including the unrealized gain of $243,400, was transferred to various reserves during the year as approved by Council."
$2,342,795owing on a 5.46% bank loan at the end of 2025
The Town owes a bank (Royal Bank of Canada) $2,342,795 on a loan at 5.46% due in November 2038, and paid $133,247 in interest on its debt in 2025. At the same time its statements list investments that include guaranteed investment certificates (GICs, which are fixed-term savings) paying 3.85% to 4.06% at one institution, and a credit-union balance of $10,862,910 in investment deposits.
Why it matters
Paying 5.46% while earning less than that on savings costs money, unless there is a good reason such as a penalty for paying early or savings already promised to a project. This is the kind of thing a budget document should explain.
It could be because…
Paying a loan off early can carry a penalty that costs more than the interest saved.
The Town's investments may be set aside for specific purposes (it lists reserves), or locked in until a set date.
Some of its investments earn rates up to 5.60% according to the notes, which is above the loan rate.
Questions you could ask
Why has the Town not paid off the 5.46% loan, and what would an early payoff cost?
What does the Town's investment policy say about how much can be held at one institution?
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 The South Bruce Peninsula?Send us your answer and we will publish it with this question.
The evidence
Note 3 (Long-Term Liabilities): "Loan payable, Royal Bank of Canada, 5.46%, payments of $15,018 plus interest payable monthly, due November 2038" with $2,342,795 owing at the end of 2025. "Interest paid during the year totalled $133,247 (2024 - $144,501)."
Note 1 (Cash and Investments) lists "Canaccord Genuity Corp. Guaranteed Investment Certificates 3.85% to 4.06%, maturing December 2027 to October 2028" of $3,168,864 and "Meridian Credit Union Guaranteed Investment Certificates 3.85% to 5.60%, maturing April 2026 to January 2030" of $11,119,859. It also says the Town has "a revolving demand credit facility available of $3,000,000" that "was not drawn upon at December 31, 2025."
Note 18 (credit risk): "The Municipality also had investment deposits of $10,862,910 at a Canadian credit union. The Deposit Insurance Corporation of Ontario (DICO) insures deposits to a maximum of $250,000 per depositor."
$29,092the yearly pay for a Councillor from January 1, 2027, under By-Law 25-2026
By-Law 25-2026 sets council pay at $49,628 for the Mayor, $35,938 for the Deputy Mayor and $29,092 for a Councillor, starting January 1, 2027. After that it goes up each year by whatever raise non-union staff are given. We did not find the Town's yearly statement of what council members were actually paid, or the old rates, on the pages we read, so we cannot say how much of a change this is.
Why it matters
The new rates take effect on January 1, 2027, after the October 26, 2026 election, so they apply to the next council. Voters may want to see the current pay and expenses beside the new rates, and know that the pay rises automatically with staff raises.
It could be because…
Setting pay in advance for a later date can be a way to avoid members voting on their own raise.
Linking pay to staff raises can avoid a big jump later.
The yearly statement of pay and expenses may be posted somewhere we did not look.
Questions you could ask
What is each member of council paid now, and what are the old rates the by-law replaces?
Where is the yearly statement of council pay and expenses (Municipal Act section 284) posted?
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 The South Bruce Peninsula?Send us your answer and we will publish it with this question.
The evidence
The by-law says remuneration for members of council shall be: Mayor $49,628; Deputy Mayor $35,938; Councillor $29,092. It also says "the remuneration shall be adjusted annually to reflect any annual increase which is approved to be given to the non-union staff," and that "this by-law shall come into force and effect on January 1, 2027." The page we read prints the passing dates with the year cut off, so we do not give them.
January 19, 2027the date the proposed schedule gives for formal approval of the 2027 budget by by-law
The Town's proposed 2027 budget schedule has the draft budget going to council on December 1, 2026, a public meeting that evening, special budget meetings from December 7 to 15, 2026, and a formal approval by by-law on January 19, 2027. The election closes at 8:00 p.m. on October 26, 2026, so these meetings come after it.
Why it matters
The council that takes office after the election will make the budget decisions. Residents can take part at the public meeting on December 1, 2026, and can ask candidates what they would change.
It could be because…
Holding budget meetings in December after an election is normal in an election year, and this schedule was made earlier.
The schedule is headed as a proposal to council, and we did not see whether council approved it as written (minutes were not readable).
Questions you could ask
Did council approve this 2027 budget schedule, and when?
How can residents give input on the 2027 budget before the December 1, 2026 public meeting?
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 The South Bruce Peninsula?Send us your answer and we will publish it with this question.
The evidence
The schedule lists: Presentation of Draft Budget & 2027 User Fees to Council, December 1, 2026 Regular Council; Statutory Public Meeting For Tax and User-Pay Budget Input, December 1, 2026 Tuesday (evening); Draft Budget Deliberations by Council (Special Meetings), December 7, 2026 Monday, December 8, 2026 Tuesday, December 14, 2026 Monday, and December 15, 2026 Regular Council (if required); Formal 2027 Budget Approval by Council (By-Law), January 19, 2027 Regular Council.
The South Bruce Peninsula spent about $331 per home on garbage, dump and recycling in 2025. The typical similar town spent $159. Only 3 of 47 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 makes this cost higher here than in similar towns?
When were the main contracts in this area last put out to competitive tender?
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 The South Bruce Peninsula?Send us your answer and we will publish it with this question.
The evidence
Garbage, dump and recycling per home: The South Bruce Peninsula $331; typical similar town $159; ranked 4th highest of 48.
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