April 2024 - cypherpunks - lists.cpunks.org

Crypto Loan Platform, Nexo, Freed From Allegations Of Money Laundering
by Gunnar Larson 27 Apr '24

27 Apr '24

https://voi.id/kr/technology/342452 JAKARTA Nexo, one of the world's largest crypto loan platforms, has been acquitted of all charges of money laundering and sanctions violations in Bulgaria. The Office of the Attorney General of the Republic of Bulgaria announced last week that the Sofia City Prosecutor's Office had ended the legal process against Nexo after finding no evidence of criminal activity. Nexo is a company that provides loan and deposit services using crypto assets as collateral. Nexo also offers daily interest of up to 12% per year for crypto assets stored on its platform. Nexo claims to have more than 6 million users worldwide and has processed more than $130 billion (approximately IDR 2,005 trillion) of transactions since its founding in 2018. On September 29 last year, Nexo was the target of an investigation by Bulgarian law enforcement officials over alleged money laundering and sanctions violations. The investigation is based on a report from the Central Bank of Bulgaria (BNB) which considers that Nexo is carrying out banking activities without appropriate permits. According to an announcement from the Attorney General's Office, the investigation involved interviews with witnesses, analysis of payment account movements, complex forensic reports and evaluations, as well as various investigative actions such as investigations and confiscations. However, after conducting an investigation for almost three months, the supervisory prosecutor team found no evidence of a crime committed by Nexo. "The Sofia City Prosecutor's Office has ended the pre-trial process against Nexo and four other people involved in the organized crime group that was formed to seek profit between 2018 and January 2023," the announcement read. "There is no evidence of criminal activity related to the implementation of banking activities without appropriate permits. There is no evidence of money laundering collected against the defendant, and there is no evidence of taxation or computer fraud collected," the announcement continued.

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Memo #4 - Goldman Sachs Deferred Prosecution Agreement
by Gunnar Larson 27 Apr '24

27 Apr '24

https://docs.google.com/document/d/1ajVVx6NGB9wd2GDXfLRftf0RVFpqjl8WWITvdNV… March 10, 2022 BY ELECTRONIC MAIL Mr. John Marzulli United States Department of Justice Eastern District of New York 271 Cadman Plaza East Brooklyn New York, 11201 John.Marzulli(a)usdoj.gov Re: Memo #4 - Goldman Sachs Deferred Prosecution Agreement Dear Mr. Marzulli: The Department of Justice has yet to respond to Memo #1, Memo #2 and Memo #3 with our recent inquiry to the 1Malaysia Development Berhad Deferred Agreement. Goldman Sachs' Deferred Prosecution Agreement <https://www.justice.gov/usao-edny/pr/goldman-sachs-resolves-foreign-bribery…> with the United States of America is in potential breach, with ethical enforcement being concerned. Memo #4 aims to associate the malfeasance in Malaysia with war crimes of aggression (in the planning, initiation, or execution of a large-scale and serious act of aggression), leveraging the world’s only military divided capital city Nicosia, Cyprus. 1. Additionally, Memo #4 aims to earn the DOJ’s assessment of New York State’s regulatory marketplace manipulation deriving the war crime against peace, related to the planning, preparation, initiation, waging or participation in a common plan or conspiracy related to a war of aggression, which can only apply in relation to international armed conflict. 2. In this case, the first challenge is to observe and consider the simple idea that the DOJ’s Deferred Prosecution Agreement with Goldman Sachs alone, through means of regulatory arbitrage naively fails to recognize the ‘cause and effect’ relationship at play at the inception of Memo #4’s assertion of war crimes. 3. Even with the best of intentions, perhaps unknowingly the DOJ may be amplifying the effect of potential war crimes by indirectly supplementing the root cause of the problem and financial model of the Deferred Agreement being self-policing. Mr. Marzulli, there has been an active United Nations peacekeeping mission in Cyprus since the 1964 Turkish military invasion and occupation of the northern third of Cyprus. Only Turkey recognises the Turkish Republic of Northern Cyprus, while there is broad recognition that the ongoing military presence constitutes occupation of territories that are under Turkish military control. - The graduate education behind Memo #4 is a product of the University of Nicosia’s (UNIC) main campus, located adjacent to the United Nations Buffer Zone that separates the invaded Turkish Republic of North Cyprus and the Republic of Cyprus, which joined the European Union in 2004. - Memo #4 is also a product of United Nations consultancy, based at its Manhattan headquarters, where (today, what is now xNY.io - Bank.org) was credited with increasing the breadth and accessibility of reference content from the world’s most important multinational organization. - Memo #4’s subject of war crimes has preeminent association with such projects as the Audio Visual Library of International Law. Over the following sections, Memo #4 will provide a detailed timeline that would constitute real concern of the war crime of aggression yielding the war crime against peace in active war conflict in the world’s only military divided capital, funded from Manhattan Island. The Bank of Cyprus and Illegal Short Selling Irregularities of Turkey’s Markets Mr. Marzulli, turn this matter as we will, and look at it from any side whatsoever, and it presents the appearance of a cross-border act of aggression. Goldman Sachs’ potential disrespect to the Deferred Agreement’s core values has cultivated new crimes that aim to manipulate cross-border war crime regulatory frameworks. - On April 02, 2021 the Financial Times reported that Turkey fined Goldman Sachs over alleged irregularities in short selling, just a week after foreign investors pulled $1.9B from the country’s stock and bond markets. Turkey’s Capital Markets Board said that Goldman Sachs was among 10 securities firms that had placed orders for short selling without proper notification, violating rules enacted previously that temporarily prohibited such transactions. - On April 20, 2021 the CyprusMail (Cyprus’ only English Language daily newspaper) reported Goldman Sachs International acted as Global Coordinators and Dealer Managers in a $330M bond issuance for the Bank of Cyprus. Given the active military conflict in Cyprus, Memo #4 notes that there is one place on the planet you are not supposed to do this sort of thing. Furthermore, the DOJ’s Deferred Agreement with Goldman Sachs may have been tainted with the potential war crime of aggression, risking international peace and the lives of United Nations peacekeepers, while jeopardizing the United States of America’s financial security. Concern of New York Prime Bank Instrument Fraud and Marketplace Manipulation The United States Department of the Treasury warns that Prime Bank Instrument Fraud schemes have attracted significant international attention, since individuals and organizations have lost billions of dollars worldwide. "Prime Bank Instrument Fraud" is the general term given to prime bank fraud schemes that go by many different names. During April 2021, Goldman Sachs could not in good faith (and, plausible deniability) make any reasonable claim of holding a pristine relationship with Turkey’s Central Bank or with Cyprus’ largest financial institutions, given the 1Malaysia Development Berhad scandal and then pending Deferred Prosecution Agreement with the United States of America. - Memo #4 suggests that Goldman Sachs developed a Prime Bank Instrument Fraud program to level out yo-yo market dynamics caused by failed marketplace manipulation exercises in Turkey and Cyprus. - Systematic bank fraud and/or marketplace manipulation of any kind between Turkey and Cyprus could constitute the war crime of aggression. - Furthermore, Memo #4 argues that Goldman Sachs may have tried to bambooze governments in New York, Cyprus and Turkey through regulatory arbitrage loopholes, while Goldman seemingly may have not considered the totality of such actions as war crimes. Turkey has the highest inflation in Europe. It has the second-highest rate of inflation among emerging markets, just behind Argentina. It has the 13th highest inflation rate in the world, ranking it between South Sudan and Nigeria. After Goldman Sachs was fined for illegal stock and bond market short selling by the Turkish government, logic would argue further malfeasance potentially could have been avoided by the DOJ’s 1Malaysia Development Berhad investigation. - On April 15, 2021 CNBC reported that Goldman Sachs (note, the previous section’s milestones of April 02, 2021 and April 20, 2021) crucially removed its bias toward Turkey tightening interest rates. Goldman issued guidance highlighting the fact that the bank thought that, “…the removal of the tightening bias against rising inflation expectations suggests that the TCMB (Turkish Central Bank) now has a more dovish reaction function.” - On August 14, 2021 the CyprusMail reported serious concern among economists about data reporting from the Turkish Statistical Institute. Ahmet Takan, a former official with the office of the Turkish prime minister, acted as a whistle blower, warning that Turkey potentially was manipulating inflation data. - On September 1, 2021 Reuters reported that Goldman Sachs hiked Turkish growth forecasts. Goldman economists issued guidance stating, "Overall, the Turkish economy has been able to grow faster than we thought without a deterioration in its external balances, as the pickup in foreign demand has been very supportive." - On November 30, 2021 Reuters reported that Goldman Sachs trimed Turkey’s 2022 growth forecast. Goldman Sachs' Murat Unur stated, "We think that the GDP figures released today tell us little about the pace of economic activity going forward as the recent sell-off in the Lira is likely to impact economic activity significantly" Mr. Marzulli, the DOJ’s Deferred Prosecution Agreement with Goldman Sachs was signed on October 21, 2021. The timeline of events above do not coincide with terms and conditions of the Deferred Agreement mandated by the United States of America. Furthermore, as an international graduate scholars of the world’s only military divided capital on the planet, xNY.io - Bank.org should be protected from any association of crimes against peace, related to the planning, preparation, initiation, waging or participation in a common plan or conspiracy related to a war of aggression, which can only apply in relation to international armed conflict. War Crimes Against Humanity Mr. Marzulli, xNY.io - Bank.org is concerned that potential breaches to the Deferred Agreement are impacting our global enterprise. Crimes against humanity can be committed in peacetime as well as during an armed conflict. Even a single act could fall under this exclusion ground provided it forms part of a widespread or systematic attack against a civilian population and the act is committed by any person (including a civilian) who had knowledge of the attack and the link of the act to the attack. 1. We are looking to learn more about the DOJ’s approach to assessing any potential breaches to the Deferred Agreement’s mandates as we determine New York State’s role in cross-border bank regulation and corresponding innovation beyond war crimes against humanity. 2. In order to establish whether a war crime or a crime against humanity has been committed, the case officer should consult the relevant international instruments and case law. 3. Crimes against humanity are fundamentally inhumane acts, committed as part of a systematic or widespread attack. Inhumane acts, which could reach this threshold when committed pursuant to or in furtherance of a State or organizational policy (potentially, New York State bank regulation). 4. Persecution against any identifiable group or collectivity on political, racial, national, ethnic, cultural, religious, gender, or other grounds that are universally recognised as impermissible under international law. 5. Furthermore, we have made 28 highlights to the Deferred Agreement providing supporting reference to Memo #4’s overarching premise. xNY.io - Bank.org submits Memo #4 for DOJ consideration of other inhumane acts of a similar character intentionally causing great suffering, or serious injury to body or to mental or physical health. Some crimes against humanity would require an additional specific intent, such as Goldman Sachs willfully disrespecting New York State and/or overall peace and security of the United States of America. Memo #1, Memo #2, Memo #3 and Memo #4 outline instances that correspond with the associated definitions of the potential war crimes abroad and jeopardize the future of bank innovation from New York, at great sacrifice to the Homeland. We hope to learn the DOJ’s approach to comment on Memo #4’s subject matter or, without delay refer these concerns to the International Criminal Court and/or International Court of Justice for comment. Respectfully yours with anticipation, Gunnar Larson - xNY.io <http://www.xny.io> | Bank.org <http://bank.org>MSc <https://www.unic.ac.cy/blockchain/msc-digital-currency/?utm_source=Google&u…> - Digital Currency MBA <https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovat…> - Entrepreneurship and Innovation (ip) G(a)xNY.io +1-646-454-9107

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Catch and Kill Protection Rackets: Trump, Weinstein, Epstein and Wall Street
by Gunnar Larson 27 Apr '24

27 Apr '24

https://wallstreetonparade.com/2024/04/catch-and-kill-protection-rackets-tr… By Pam Martens and Russ Martens: April 26, 2024 ~ Editor’s Note: This article has been edited and updated from an earlier version, published in 2020. Donald Trump -- Pied Piper to Wall Street (Thumbnail)Trump and Catch and Kill: Yesterday, David Pecker, the former Chairman and CEO of American Media Inc. (AMI), the parent company of the National Enquirer tabloid, testified for a third day in the 34-count criminal trial of former President Donald Trump in New York. Pecker continued to expand on the sordid details of a catch and kill operation he had agreed to operate with the active involvement of Trump and his then attorney, Michael Cohen. The operation involved buying up stories about Trump’s salacious affairs with women and then killing them from publication in order to help Trump’s campaign for the presidency in 2016. There was also an understanding that Pecker would run negative articles about Trump’s political opponents in the National Enquirer. During opening arguments in the trial on Monday, Prosecutor Matthew Colangelo explained the case to the jurors as follows: “The defendant, Donald Trump, orchestrated a criminal scheme to corrupt the 2016 presidential election. Then he covered up that criminal conspiracy by lying in his New York business records over and over and over again.” While Pecker was mapping out more of the slimy details of his catch and kill operation yesterday, shocking news broke that the New York Court of Appeals had overturned the sex crimes conviction of Hollywood producer Harvey Weinstein. The court ruled with a 4-3 vote (and scathing dissents) that the trial judge had erred by allowing witnesses to testify about other alleged crimes committed by Weinstein that were not part of the case. The Manhattan District Attorney’s office promised to retry the case. Weinstein, who has been serving time in prison in upstate New York, was also sentenced last year in California to 16 years in prison for rape and sexual assault. That sentence is not impacted by the Appeals court ruling in New York. There have also been allegations in the past of a catch and kill operation to protect Harvey Weinstein. Ronan Farrow and the Harvey Weinstein Investigation: Ronan Farrow has previously cast a harsh light on NBC, suggesting that it may have been involved in a nuanced form of catch and kill during his investigation of Harvey Weinstein’s alleged sexual assaults on women. NBC failed to broadcast Farrow’s story despite having filmed witness interviews. After NBC told Farrow that his story wasn’t reportable, Farrow took it to the New Yorker, where the article was published on October 10, 2017. It won Farrow a Pulitzer Prize in 2018. That article includes allegations of three rapes by Weinstein. Farrow appeared on the MSNBC Rachel Maddow program shortly after his article ran in the New Yorker. Farrow was asked by Maddow why NBC did not air the story. Farrow responded: “I walked into the door at the New Yorker with an explosively reportable piece that should have been public earlier. And immediately, obviously, the New Yorker recognized that and it is not accurate to say that it wasn’t reportable. In fact, there were multiple determinations that it was reportable at NBC.” Jeffrey Epstein and the U.S. Attorney’s Office: Catch and kill is also the only logical way to view what happened to sex trafficker Jeffrey Epstein at the hands of Alex Acosta, then U.S. Attorney for the Southern District of Florida when Jeffrey Epstein got the sweetheart deal of a lifetime. In July of 2006, the Palm Beach, Florida Police Chief, Michael Reiter, delivered a deeply investigated case against Epstein to the FBI, according to the November 2018 (paywall) intrepid reporting of Julie Brown in the Miami Herald. Brown indicated that it took just eight months of FBI interviews for the U.S. Attorney’s office in Florida to have a 53-page Federal indictment ready to file against Epstein involving sexual assaults against dozens of underage girls. But the indictment was never filed. A deal was worked out by Acosta, and Epstein’s well-connected lawyers. Federal charges were dropped against Epstein and he was allowed to plead guilty to only Florida state charges: one count of soliciting sex from a minor and one count of soliciting sex from an adult woman. Epstein was allowed to serve just 13 months in jail, during which time he was given a work release program to sit in his well-appointed office 12 hours a day, and driven around by his chauffeured limo. The deal was so outrageously constructed that it even denied his dozens of victims knowledge of the terms of the deal. Had Julie Brown not conducted that courageous investigation for the Miami Herald, had the Miami Herald declined to publish it in 2018, the U.S. Attorney’s Office for the Southern District of New York would not have been embarrassed into bringing the new charges against Epstein on July 8, 2019. Acosta, who had morphed into Trump’s U.S. Labor Secretary, was embarrassed into resigning as a result of the public uproar. JPMorgan’s Catch and Kill Deals with the Department of Justice: On November 19, 2013, the Department of Justice and other regulators settled their mortgage securities fraud case against JPMorgan Chase for an unprecedented $13 billion. One year later, we would learn from Matt Taibbi’s reporting at Rolling Stone that the Justice Department had a highly reliable lawyer-whistleblower that had worked at JPMorgan Chase, Alayne Fleischmann, who had hard evidence that she had warned the bank that it was peddling defective mortgages. The Statement of Facts offered to the public by the DOJ along with the settlement strongly suggested a catch and kill operation. There were none of the typical smoking gun internal emails; there were none of the internal documents showing an intent to defraud; there were none of the documents that Alayne Fleischmann had provided to Justice Department investigators. And there were no names of employees who had engaged in the fraudulent practices. The DOJ and other regulators brought the mortgage fraud case as a civil matter – not a criminal matter. But the following year, in 2014, the DOJ brought two criminal counts against JPMorgan Chase for its role in laundering money for Ponzi kingpin Bernie Madoff. This became the first of a series of deferred-prosecution agreements for criminal charges brought by the DOJ against JPMorgan Chase. These deals functioned very much like catch and kill arrangements. Only the skimpiest of details were released to the public; the bank admitted to the criminal charges but the public was never given the salient details about how the bank and its management carried out the frauds. In November 2016, units of JPMorgan Chase agreed to pay more than $264 million to the U.S. Department of Justice, the Securities and Exchange Commission and the Federal Reserve in what was widely known as its Chinese “Princeling” scandal. In announcing the settlement in the Princeling scandal in 2016, officials at the Justice Department said this: “The so-called Sons and Daughters Program was nothing more than bribery by another name…Awarding prestigious employment opportunities to unqualified individuals in order to influence government officials is corruption, plain and simple. This case demonstrates the Criminal Division’s commitment to uncovering corruption no matter the form of the scheme… “In this case, JPMorgan employees designed a program to hire otherwise unqualified candidates for prestigious investment banking jobs solely because these candidates were referred to the bank by officials in positions to award business to the bank. In certain instances, referred candidates were hired with the understanding that the hiring was linked to the award of specific business. This is no longer business as usual; it is corruption.” What the case actually demonstrated was the Criminal Division of the DOJ’s willingness to uncover fraud but not prosecute fraud. The DOJ handed JPMorgan a non-prosecution agreement, hammered out by the Big Law firm, Paul, Weiss, Rifkind, Wharton & Garrison. Naturally, this emboldened the bank. It was charged with two more felony counts in 2020 for rigging the precious metals markets and the U.S. Treasury market. And, once again, it was given a deferred-prosecution agreement by the DOJ. Sitting at the helm of the U.S. Department of Justice is the U.S. Attorney General. While on the stand yesterday, David Pecker revealed that in 2018 his publishing company had received a letter from the Federal Election Commission. Pecker testified that he took this letter to mean “We committed a campaign violation.” Pecker said when he shared his concerns with Michael Cohen, that Cohen had indicated he wasn’t worried and said this: “Jeff Sessions is the Attorney General and Donald Trump has him in his pocket.” In a CBS interview in December of last year, former Republican Congresswoman Liz Cheney of Wyoming said this: “One of the things that we see happening today is a sort of a sleepwalking into dictatorship in the United States.” The mushrooming transmutations of catch and kill today involve not just public relations flacks, high-priced lawyers, publishers, and mainstream media. Increasingly, catch and kill includes the highest law enforcement office in the land, the U.S. Department of Justice. Is it any wonder millions of Americans are sleepwalking?

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BREAKING: HSBC Beats Investors' £1.3B Disney Film Scheme Fraud Case
by Gunnar Larson 27 Apr '24

27 Apr '24

BREAKING: HSBC Beats Investors' £1.3B Disney Film Scheme Fraud Case <https://www.law360.co.uk/financial-services-uk/articles/1829933?nl_pk=a94fc…> By William Janes HSBC has fended off a £1.3 billion ($1.6 billion) fraud claim brought by hundreds of investors who alleged the bank misled them into financing a Disney film tax relief scheme it developed which turned out to be worthless. Read full article » <https://www.law360.co.uk/financial-services-uk/articles/1829933?nl_pk=a94fc…> | Save to favorites » <https://www.law360.co.uk/financial-services-uk/articles/1829933?nl_pk=a94fc…>

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Zendesk Beats Shareholders' Suit Over $10B PE Takeover
by Gunnar Larson 27 Apr '24

27 Apr '24

Zendesk Beats Shareholders' Suit Over $10B PE Takeover <https://www.law360.com/mergersacquisitions/articles/1829681?nl_pk=a34c25b5-…> By Isaac Monterose Zendesk Inc. has defeated a securities class action in California federal court accusing the customer service software company of undervaluing itself to get a $10.2 billion go-private merger with private equity firms approved by Zendesk shareholders. Order attached | Read full article » <https://www.law360.com/mergersacquisitions/articles/1829681?nl_pk=a34c25b5-…> | Save to favorites » <https://www.law360.com/mergersacquisitions/articles/1829681?nl_pk=a34c25b5-…>

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AI-Created Rant Tied To Principal Leads To Ex-Staffer's Arrest
by Gunnar Larson 27 Apr '24

27 Apr '24

AI-Created Rant Tied To Principal Leads To Ex-Staffer's Arrest <https://www.law360.com/technology/articles/1829879?nl_pk=2bd720dd-746c-4744…> By Lauren Berg Baltimore County police on Thursday arrested a former high school athletic director who is accused of using artificial intelligence to generate a racist and antisemitic audio recording falsely attributed to the school's principal, allegedly in retaliation for an investigation into the potential mishandling of school funds. Read full article » <https://www.law360.com/technology/articles/1829879?nl_pk=2bd720dd-746c-4744…> | Save to favorites » <https://www.law360.com/technology/articles/1829879?nl_pk=2bd720dd-746c-4744…>

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Antitrust Enforcers Warn FERC About Ownership Overlaps
by Gunnar Larson 27 Apr '24

27 Apr '24

Antitrust Enforcers Warn FERC About Ownership Overlaps <https://www.law360.com/competition/articles/1829648?nl_pk=6416fd97-1dc4-4e0…> By Matthew Perlman The Federal Trade Commission and the U.S. Department of Justice warned energy regulators Thursday about competitive risks that can arise from investment firms that own stakes in multiple electric utilities, even if they don't have controlling interests. 2 documents attached | Read full article » <https://www.law360.com/competition/articles/1829648?nl_pk=6416fd97-1dc4-4e0…> | Save to favorites » <https://www.law360.com/competition/articles/1829648?nl_pk=6416fd97-1dc4-4e0…>

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Real Estate Atty, Insurer Scuttle Hacking Policy Feud In Conn.
by Gunnar Larson 27 Apr '24

27 Apr '24

Real Estate Atty, Insurer Scuttle Hacking Policy Feud In Conn. <https://www.law360.com/legalethics/articles/1829667?nl_pk=153d4a8a-6fb9-4a5…> By Matt Perez A Connecticut real estate attorney and an insurance company owned by Berkshire Hathaway have moved to end their claims against one another, in a state court dispute over who should be on the hook after the lawyer was accused of transmitting several property payments to hackers. 2 documents attached | Read full article » <https://www.law360.com/legalethics/articles/1829667?nl_pk=153d4a8a-6fb9-4a5…> | Save to favorites » <https://www.law360.com/legalethics/articles/1829667?nl_pk=153d4a8a-6fb9-4a5…>

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DOD Unblocks Cohen Seglias From Emails Following Lawsuit
by Gunnar Larson 27 Apr '24

27 Apr '24

DOD Unblocks Cohen Seglias From Emails Following Lawsuit <https://www.law360.com/competition/articles/1829682?nl_pk=6416fd97-1dc4-4e0…> By Rae Ann Varona Cohen Seglias Pallas Greenhall & Furman PC on Thursday dropped its lawsuit against the Defense Information Systems Agency after the agency acknowledged it mistakenly flagged the firm for malware and blocked it from government emails, the firm's attorney told Law360. Notice attached | Read full article » <https://www.law360.com/competition/articles/1829682?nl_pk=6416fd97-1dc4-4e0…> | Save to favorites » <https://www.law360.com/competition/articles/1829682?nl_pk=6416fd97-1dc4-4e0…>

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Crypto Co. DCG Hires 1st Legal Chief Amid New York AG Fight
by Gunnar Larson 27 Apr '24

27 Apr '24

Crypto Co. DCG Hires 1st Legal Chief Amid New York AG Fight <https://www.law360.com/fintech/articles/1829716?nl_pk=d2b3e7ef-ab62-4a62-80…> By Aislinn Keely The head of cryptocurrency conglomerate Digital Currency Group on Thursday said the firm has appointed its first chief legal officer, hiring the former top lawyer of payment management firm Billtrust as DCG fights a lawsuit by New York's attorney general and other disputes. Read full article » <https://www.law360.com/fintech/articles/1829716?nl_pk=d2b3e7ef-ab62-4a62-80…> | Save to favorites » <https://www.law360.com/fintech/articles/1829716?nl_pk=d2b3e7ef-ab62-4a62-80…>

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