- Delivered strong consolidated revenue growth of 17.7% in the
second quarter
- Revenue increased 6.6% excluding the First American acquisition
and business exits
- All four segments delivered year-over-year sales-driven revenue
growth, led by Payments and Data-Driven Marketing
- Net income of $22.1 million, up 82.6% from the prior year
primarily driven by a gain on the sale of our Australian web
hosting business
- Adjusted EBITDA rate of 18.1% down from 20.4% in the prior
year
- Declared regular quarterly dividend
- Updated full year 2022 guidance to reflect strong revenue
performance and lower Adjusted EBITDA rate expectations
Deluxe (NYSE: DLX), a Trusted Payments and Business Technology™
company, today reported operating results for its second quarter
ended June 30, 2022.
“Our strong sales momentum continues. We delivered our fifth
consecutive quarter of sales-driven revenue growth led by our
Payments and Data businesses,” said Barry McCarthy, President and
CEO of Deluxe. “All four of our segments once again achieved
year-over-year revenue growth, demonstrating the durable demand for
our products and services even in an uncertain market.”
“While we were very pleased with our sales performance, our
second quarter Adjusted EBITDA rate was impacted by inflation and
supply chain disruptions primarily in our Promotional Solutions
segment,” said Scott Bomar, Senior Vice President and Chief
Financial Officer of Deluxe. “We are updating our full year
guidance to reflect our strong revenue performance and rate
pressure.”
Second Quarter 2022 Financial and Segment Highlights (in
millions, except per share amounts)
2nd Quarter
2022
2nd Quarter
2021
% Change
Revenue
$563.0
$478.2
17.7
%
Net Income
$22.1
$12.1
82.6
%
Adjusted EBITDA
$101.7
$97.5
4.3
%
Diluted EPS
$0.50
$0.28
78.6
%
Adjusted Diluted EPS
$0.99
$1.25
(20.8
%)
- Revenue for the second quarter was $84.8 million higher than
the previous year. Excluding incremental revenue from the First
American acquisition, which closed on June 1, 2021, and business
exits during the quarter, revenue increased $31.2 million, or 6.6%
year-over-year.
- The Payments segment delivered revenue growth of 65.7% over the
previous year to $171.2 million. Excluding incremental revenue from
the First American acquisition, Payments grew 6.7%.
- Net income of $22.1 million included gains of $17.5 million
from the sale of the Australian web hosting business and a call
center facility, and also included an $8.0 million increase in
First American acquisition amortization and an increase in interest
expense of $11.9 million resulting from the acquisition
transaction. Prior year net income included $15.9 million of
acquisition transaction costs.
- Adjusted EBITDA margin was 18.1%, down 230 basis points from
the prior year and was impacted by inflation, supply chain
disruptions primarily affecting the higher margin portion of our
Promotional Solutions business, and planned IT investments.
- Cash flow from operations for the first half of the year was
$72.2 million and capital expenditures were $45.3 million. Free
cash flow was $26.9 million, a decrease of $10.3 million compared
to the first half of 2021, and included increased interest payments
of $28.8 million.
Outlook
Given our strong revenue growth, as well as inflation and supply
chain disruption impacts on our margin rate, the Company now
expects the following for full year 2022:
- Increasing full year revenue growth outlook to 10% to 12%
excluding the impact of business exits; or 8% to 10% as
reported
- Modifying full year adjusted EBITDA rate to 18.5% to 19.0% with
the fourth quarter rate being higher than the third quarter due to
our normal seasonality pattern
- Capital expenditures of approximately $105 million
The guidance outlined above is subject to, among other things,
prevailing macroeconomic conditions, anticipated continued supply
chain constraints, labor supply issues, inflation, and the impact
of recent divestitures.
Capital Allocation and Dividend
The Board of Directors recently approved a regular quarterly
dividend of $0.30 per share. The dividend will be payable on
September 6, 2022 to shareholders of record as of market closing on
August 22, 2022.
Earnings Call Information
Deluxe management will host a conference call today at 8:30 a.m.
ET (7:30 a.m. CT) to review the financial results. Listeners can
access the call by dialing 1-888-210-4748 (access code 7092711).
The webcast and presentation will also be available on the investor
relations website at www.investors.deluxe.com. Alternatively, an
audio replay of the call will be available after 11:30 a.m. ET
through midnight on August 11, 2022 by dialing 1-800-770-2030
(access code 7092711).
About Deluxe Corporation
Deluxe, a Trusted Payments and Business Technology™ company,
champions business so communities thrive. Our solutions help
businesses pay and get paid, accelerate growth and operate more
efficiently. For more than 100 years, Deluxe customers have relied
on our solutions and platforms at all stages of their lifecycle,
from start-up to maturity. Our powerful scale supports millions of
small businesses, thousands of vital financial institutions and
hundreds of the world’s largest consumer brands, while processing
approximately $3 trillion in annual payment volume. Our reach,
scale and distribution channels position Deluxe to be our
customers’ most trusted business partner. To learn how we can help
your business, visit us at www.deluxe.com,
www.facebook.com/deluxecorp, www.linkedin.com/company/deluxe, or
www.twitter.com/deluxe.
Forward-Looking Statements
Statements made in this release concerning Deluxe, the company’s
or management’s intentions, expectations, outlook or predictions
about future results or events are “forward-looking statements”
within the meaning of the Private Securities Litigation Reform Act
of 1995. Such statements reflect management’s current intentions or
beliefs and are subject to risks and uncertainties that could cause
actual results or events to vary from stated expectations, which
variations could be material and adverse. Factors that could
produce such a variation include, but are not limited to, the
following: potential continuing negative impacts from pandemic
health issues, such as the coronavirus / COVID-19, along with the
impact of government restrictions or similar directives on our
future results of operations and our future financial condition;
uncertainties related to the Russia-Ukraine dispute; the impact
that further deterioration or prolonged softness in the economy may
have on demand for the company’s products and services; continuing
cost increases and/or declines in the availability of materials and
other services; the company’s ability to execute its
transformational strategy and to realize the intended benefits; the
inherent unreliability of earnings, revenue and cash flow
predictions due to numerous factors, many of which are beyond the
company’s control; declining demand for the company’s checks,
check-related products and services and business forms; risks that
the company’s strategies intended to drive sustained revenue and
earnings growth, despite the continuing decline in checks and
forms, are delayed or unsuccessful; intense competition; continued
consolidation of financial institutions and/or additional bank
failures, thereby reducing the number of potential customers and
referral sources and increasing downward pressure on the company’s
revenue and gross profit; risks related to the company’s
acquisition of First American Payment Systems, including
integration-related risks; risks that future acquisitions will not
be consummated; risks that any such acquisitions do not produce the
anticipated results or synergies; risks that the company’s cost
reduction initiatives will be delayed or unsuccessful; risks
related to any divestitures contemplated or undertaken by the
company; performance shortfalls by one or more of the company’s
major suppliers, licensors or service providers; unanticipated
delays, costs and expenses in the development and marketing of
products and services, including web services and financial
technology and treasury management solutions; the failure of such
products and services to deliver the expected revenues and other
financial targets; risks related to security breaches, computer
malware or other cyber-attacks; risks of interruptions to the
company’s website operations or information technology systems;
risks of unfavorable outcomes and the costs to defend litigation
and other disputes; and the impact of governmental laws,
regulations or investigations. The company’s forward-looking
statements speak only as of the time made, and management assumes
no obligation to publicly update any such statements. Additional
information concerning these and other factors that could cause
actual results and events to differ materially from the company’s
current expectations are contained in the company’s Form 10-K for
the year ended December 31, 2021 and other filings made with the
SEC. The company undertakes no obligation to update or revise any
forward-looking statements to reflect subsequent events, new
information or future circumstances.
DELUXE CORPORATION
CONSOLIDATED CONDENSED
STATEMENTS OF INCOME
(in millions, except per share
amounts)
(Unaudited)
Quarter Ended June
30,
Six Months Ended June
30,
2022
2021
2022
2021
Product revenue
$322.2
$306.2
$639.4
$605.3
Service revenue
240.8
172.0
479.6
314.2
Total revenue
563.0
478.2
1,119.0
919.5
Cost of products
(117.6
)
(112.6
)
(231.9
)
(219.9
)
Cost of services
(146.6
)
(94.0
)
(281.4
)
(165.2
)
Total cost of revenue
(264.2
)
(206.6
)
(513.3
)
(385.1
)
Gross profit
298.8
271.6
605.7
534.4
Selling, general and administrative
expense
(249.5
)
(233.8
)
(509.4
)
(446.3
)
Restructuring and integration
expense
(15.2
)
(11.4
)
(31.4
)
(25.7
)
Gain on sale of businesses and
facility
17.5
—
17.5
—
Operating income
51.6
26.4
82.4
62.4
Interest expense
(21.4
)
(9.5
)
(41.7
)
(14.1
)
Other income
2.4
2.1
4.5
4.2
Income before income taxes
32.6
19.0
45.2
52.5
Income tax provision
(10.5
)
(6.9
)
(13.4
)
(16.0
)
Net income
22.1
12.1
31.8
36.5
Non-controlling interest
—
—
(0.1
)
(0.1
)
Net income attributable to
Deluxe
$22.1
$12.1
$31.7
$36.4
Weighted average dilutive
shares
43.3
42.7
43.3
42.6
Diluted earnings per share
$0.50
$0.28
$0.72
$0.85
Adjusted diluted earnings per
share
0.99
1.25
2.05
2.51
Capital expenditures
24.4
24.9
45.3
46.6
Depreciation and amortization
expense
45.0
33.2
86.6
61.0
EBITDA
99.0
61.7
173.4
127.5
Adjusted EBITDA
101.7
97.5
201.3
188.0
DELUXE CORPORATION
CONSOLIDATED CONDENSED BALANCE
SHEETS
(dollars and shares in
millions)
(Unaudited)
June 30, 2022
December 31,
2021
June 30, 2021
Cash and cash equivalents
$43.3
$41.2
$163.3
Other current assets
482.9
579.3
440.0
Property, plant & equipment
127.8
126.0
96.4
Operating lease assets
52.8
58.2
62.4
Intangibles
480.5
510.7
521.5
Goodwill
1,431.5
1,430.1
1,439.3
Other non-current assets
321.6
328.9
294.6
Total assets
$2,940.4
$3,074.4
$3,017.5
Current portion of long-term
debt
$57.3
$57.2
$57.1
Other current liabilities
495.8
626.2
470.1
Long-term debt
1,618.4
1,625.8
1,776.3
Non-current operating lease
liabilities
53.8
56.4
52.9
Other non-current liabilities
118.3
134.2
108.8
Shareholders' equity
596.8
574.6
552.3
Total liabilities and shareholders'
equity
$2,940.4
$3,074.4
$3,017.5
Net debt
$1,632.4
$1,641.8
$1,670.1
Liquidity
359.0
403.8
455.8
Shares outstanding
43.1
42.7
42.5
Number of employees
6,169
6,313
6,443
DELUXE CORPORATION
CONSOLIDATED CONDENSED
STATEMENTS OF CASH FLOWS
(in millions)
(Unaudited)
Six Months Ended June
30,
2022
2021
Cash provided (used) by:
Operating activities:
Net income
$31.8
$36.5
Depreciation and amortization of
intangibles
86.6
61.0
Gain from sale of businesses and
facility
(17.5
)
—
Prepaid product discount
payments
(12.3
)
(19.1
)
Other
(16.4
)
5.4
Total operating activities
72.2
83.8
Investing activities:
Payment for acquisition, net of cash,
cash equivalents, restricted cash and restricted cash equivalents
acquired
—
(956.7
)
Proceeds from sale of businesses and
facility
23.9
—
Purchases of capital assets
(45.3
)
(46.6
)
Other
0.9
(1.4
)
Total investing activities
(20.5
)
(1,004.7
)
Financing activities:
Net change in debt, net of debt
issuance costs
(9.4
)
990.0
Proceeds from issuing shares
1.6
14.9
Dividends
(26.6
)
(25.9
)
Net change in customer funds
obligations
(100.1
)
5.6
Other
(9.8
)
(8.4
)
Total financing activities
(144.3
)
976.2
Effect of exchange rate change on cash,
cash equivalents, restricted cash and restricted cash
equivalents
(3.3
)
3.4
Net change in cash, cash equivalents,
restricted cash and restricted cash equivalents
(95.9
)
58.7
Cash, cash equivalents, restricted cash
and restricted cash equivalents, beginning of year
285.5
229.4
Cash, cash equivalents, restricted cash
and restricted cash equivalents, end of period
$189.6
$288.1
Free cash flow
$26.9
$37.2
DELUXE CORPORATION
SEGMENT INFORMATION
(In millions)
(Unaudited)
Quarter Ended June 30,
Six Months Ended June
30,
2022
2021
2022
2021
Revenue:
Payments
$171.2
$103.3
$337.4
$182.8
Cloud Solutions
68.6
68.1
138.1
130.3
Promotional Solutions
139.3
135.0
272.5
259.5
Checks
183.9
171.8
371.0
346.9
Total
$563.0
$478.2
$1,119.0
$919.5
Adjusted EBITDA:
Payments
$35.0
$21.2
$71.4
$39.5
Cloud Solutions
17.5
18.8
34.8
36.0
Promotional Solutions
14.6
21.4
31.5
39.2
Checks
82.5
80.2
165.4
163.7
Corporate
(47.9
)
(44.1
)
(101.8
)
(90.4
)
Total
$101.7
$97.5
$201.3
$188.0
Adjusted EBITDA Margin:
Payments
20.4
%
20.5
%
21.2
%
21.6
%
Cloud Solutions
25.5
%
27.6
%
25.2
%
27.6
%
Promotional Solutions
10.5
%
15.9
%
11.6
%
15.1
%
Checks
44.9
%
46.7
%
44.6
%
47.2
%
Total
18.1
%
20.4
%
18.0
%
20.4
%
The segment information reported here was calculated utilizing
the methodology outlined in the Notes to Consolidated Financial
Statements included in the company's Annual Report on Form 10-K for
the year ended December 31, 2021.
DELUXE CORPORATION RECONCILIATION OF
GAAP TO NON-GAAP MEASURES (in millions) (Unaudited)
Note that the company has not reconciled the adjusted EBITDA
margin outlook for 2022 to the directly comparable GAAP financial
measure because the company does not provide outlook guidance for
net income or the reconciling items between net income and adjusted
EBITDA. Because of the substantial uncertainty and variability
surrounding certain of these forward-looking reconciling items,
including: asset impairment charges; restructuring, integration and
other costs; gains and losses on sales of businesses and
facilities; and certain legal-related expenses, a reconciliation of
the non-GAAP financial measure outlook to the corresponding GAAP
measure is not available without unreasonable effort. The probable
significance of certain of these reconciling items is high and,
based on historical experience, could be material.
EBITDA, ADJUSTED EBITDA AND ADJUSTED EBITDA
MARGIN
Management discloses EBITDA, adjusted EBITDA and adjusted EBITDA
margin because it believes they are useful in evaluating the
company's operating performance, as the calculations eliminate the
effect of interest expense, income taxes, the accounting effects of
capital investments (i.e., depreciation and amortization) and in
the case of adjusted EBITDA and adjusted EBITDA margin, certain
items, as presented below, that may not be indicative of current
period operating performance. In addition, management utilizes
these measures to assess the operating results and performance of
the business, to perform analytical comparisons and to identify
strategies to improve performance. Management also believes that an
increasing EBITDA and adjusted EBITDA depict an increase in the
value of the company. Management does not consider EBITDA and
adjusted EBITDA to be measures of cash flow, as they do not
consider certain cash requirements, such as interest, income taxes,
debt service payments or capital investments. Management does not
consider EBITDA, adjusted EBITDA or adjusted EBITDA margin to be
substitutes for operating income or net income. Instead, management
believes that these amounts are useful performance measures that
should be considered in addition to GAAP performance measures.
Quarter Ended June 30,
Six Months Ended June
30,
2022
2021
2022
2021
Net income
$22.1
$12.1
$31.8
$36.5
Non-controlling interest
—
—
(0.1
)
(0.1
)
Interest expense
21.4
9.5
41.7
14.1
Income tax provision
10.5
6.9
13.4
16.0
Depreciation and amortization expense
45.0
33.2
86.6
61.0
EBITDA
99.0
61.7
173.4
127.5
Restructuring, integration and other
costs
15.2
12.0
31.5
27.2
Share-based compensation expense
4.9
7.6
13.0
14.4
Acquisition transaction costs
—
15.9
0.1
18.6
Certain legal-related expense
0.1
0.3
0.8
0.3
Gain from sale of businesses and
facility
(17.5
)
—
(17.5
)
—
Adjusted EBITDA
$101.7
$97.5
$201.3
$188.0
Adjusted EBITDA as a percentage of total
revenue (adjusted EBITDA margin)
18.1
%
20.4
%
18.0
%
20.4
%
DELUXE CORPORATION RECONCILIATION OF
GAAP TO NON-GAAP MEASURES (continued) (in millions, except per
share amounts) (Unaudited)
ADJUSTED DILUTED EPS
By excluding the impact of non-cash items or items that may not
be indicative of current period operating performance, management
believes that adjusted diluted EPS provides useful comparable
information to assist in analyzing the company's current and future
operating performance. As such, adjusted diluted EPS is one of the
key financial performance metrics used to assess the operating
results and performance of the business and to identify strategies
to improve performance. It is reasonable to expect that one or more
of the excluded items will occur in future periods, but the amounts
recognized may vary significantly. Management does not consider
adjusted diluted EPS to be a substitute for GAAP performance
measures, but believes that it is a useful performance measure that
should be considered in addition to GAAP performance measures.
Quarter Ended June 30,
Six Months Ended June
30,
2022
2021
2022
2021
Net income
$22.1
$12.1
$31.8
$36.5
Non-controlling interest
—
—
(0.1
)
(0.1
)
Net income attributable to Deluxe
22.1
12.1
31.7
36.4
Acquisition amortization
23.0
17.3
47.0
30.5
Restructuring, integration and other
costs
15.2
12.0
31.5
27.2
Share-based compensation expense
4.9
7.6
13.0
14.4
Acquisition transaction costs
—
15.9
0.1
18.6
Certain legal-related expense
0.1
0.3
0.8
0.3
Gain from sale of businesses and
facility
(17.5
)
—
(17.5
)
—
Adjustments, pre-tax
25.7
53.1
74.9
91.0
Income tax provision impact of pretax
adjustments(1)
(5.1
)
(11.7
)
(16.0
)
(20.2
)
Income tax impact of business sale(2)
0.6
—
(1.6
)
—
Adjustments, net of tax
21.2
41.4
57.3
70.8
Adjusted net income attributable to
Deluxe
43.3
53.5
89.0
107.2
Income allocated to participating
securities
—
(0.1
)
(0.1
)
(0.1
)
Re-measurement of share-based awards
classified as liabilities
(0.3
)
—
(0.4
)
—
Adjusted income attributable to Deluxe
available to common shareholders
$43.0
$53.4
$88.5
$107.1
Weighted-average dilutive shares
43.3
42.7
43.3
42.6
GAAP Diluted EPS
$0.50
$0.28
$0.72
$0.85
Adjustments, net of tax
0.49
0.97
1.33
1.66
Adjusted Diluted EPS
$0.99
$1.25
$2.05
$2.51
(1)
The tax effect of the pretax
adjustments considers the tax treatment and related tax rate(s)
that apply to each adjustment in the applicable tax
jurisdiction(s). Generally, this results in a tax impact that
approximates the U.S. effective tax rate for each adjustment.
However, the tax impact of certain adjustments, such as share-based
compensation expense, depends on whether the amounts are deductible
in the respective tax jurisdictions and the applicable effective
tax rate(s) in those jurisdictions.
(2)
Represents the recognition of a
capital loss carryover arising from the sale of the Australian web
hosting business, partially offset by a related valuation allowance
for the portion of the carryover not currently expected to be
realized.
DELUXE CORPORATION RECONCILIATION OF
GAAP TO NON-GAAP MEASURES (continued) (in millions)
(Unaudited)
REVENUE EXCLUDING FIRST AMERICAN ACQUISITION
AND BUSINESS EXITS
Management views the measure of revenue growth, excluding the
incremental revenue from the First American acquisition and the
impact of business exits, as an important indicator when assessing
and evaluating the performance of the business and when identifying
strategies to improve performance. These measures of revenue growth
may be expressed as a dollar amount or as a percentage rate. By
excluding the incremental First American revenue and the impact of
business exits, management is able to evaluate internally-generated
revenue, measured by comparable sales of products and services
year-over-year. These measures are utilized by management for one
fiscal year following an acquisition or business exit.
Quarter Ended June 30,
Six Months Ended June
30,
2022
2021
2022
2021
CONSOLIDATED REVENUE:
Total revenue
$563.0
$478.2
$1,119.0
$919.5
Less: incremental First American
revenue
(61.0
)
—
(144.2
)
—
Less: business exits
—
(7.4
)
—
(7.4
)
Total revenue excluding First American
acquisition and business exits
$502.0
$470.8
$974.8
$912.1
Total revenue growth excluding First
American acquisition and business exits
$31.2
$62.7
Total revenue growth excluding First
American acquisition and business exits %
6.6
%
6.9
%
PAYMENTS REVENUE:
Payments revenue
$171.2
$103.3
$337.4
$182.8
Less: incremental First American
revenue
(61.0
)
—
(144.2
)
—
Payments revenue excluding First American
acquisition
$110.2
$103.3
$193.2
$182.8
Payments revenue growth excluding First
American acquisition
$6.9
$10.4
Payments revenue growth excluding First
American acquisition %
6.7
%
5.7
%
OUTLOOK REVENUE:
2022 Outlook
2021 Actual
Total revenue
$2,184 - $2,224
$2,022
Less: business exits
—
(34
)
Total revenue excluding business exits
$2,184 - $2,224
$1,988
Total revenue growth excluding business
exits %
10% - 12%
DELUXE CORPORATION RECONCILIATION OF
GAAP TO NON-GAAP MEASURES (continued) (in millions)
(Unaudited)
NET DEBT
Management believes that net debt is an important measure to
monitor leverage and to evaluate the balance sheet. In calculating
net debt, cash and cash equivalents are subtracted from total debt
because they could be used to reduce the company’s debt
obligations. A limitation associated with using net debt is that it
subtracts cash and cash equivalents, and therefore, may imply that
management intends to use cash and cash equivalents to reduce
outstanding debt. In addition, net debt suggests that our debt
obligations are less than the most comparable GAAP measure
indicates.
June 30, 2022
December 31,
2021
June 30, 2021
Total debt
$1,675.7
$1,683.0
$1,833.4
Cash and cash equivalents
(43.3
)
(41.2
)
(163.3
)
Net debt
$1,632.4
$1,641.8
$1,670.1
FREE CASH FLOW
Management defines free cash flow as net cash provided by
operating activities less purchases of capital assets. Management
believes that free cash flow is an important indicator of cash
available for debt service and for shareholders, after making
capital investments to maintain or expand the company’s asset base.
A limitation of using the free cash flow measure is that not all of
the company’s free cash flow is available for discretionary
spending, as the company may have mandatory debt payments and other
cash requirements that must be deducted from its cash available for
future use. Free cash flow is not a substitute for GAAP liquidity
measures. Instead, management believes that this measurement
provides an additional metric to compare cash generated by
operations on a consistent basis and to provide insight into the
cash flow available to fund items such as dividends, mandatory and
discretionary debt reduction, acquisitions or other strategic
investments, and share repurchases.
Quarter Ended June 30,
Six Months Ended June
30,
2022
2021
2022
2021
Net cash provided by operating
activities
$37.9
$44.2
$72.2
$83.8
Purchases of capital assets
(24.4
)
(24.9
)
(45.3
)
(46.6
)
Free cash flow
$13.5
$19.3
$26.9
$37.2
DELUXE CORPORATION RECONCILIATION OF
GAAP TO NON-GAAP MEASURES (continued) (in millions)
(Unaudited)
LIQUIDITY
Management defines liquidity as cash and cash equivalents plus
the amount available for borrowing under the company's revolving
credit facility. Management considers liquidity to be an important
metric for demonstrating the amount of cash that is available or
that could be readily available to the company on short notice.
This financial measure is not a substitute for GAAP liquidity
measures. Instead, management believes that this measurement
enhances investors’ understanding of the funds that are currently
available to the company.
June 30, 2022
December 31,
2021
June 30, 2021
Cash and cash equivalents
$43.3
$41.2
$163.3
Amount available for borrowing under
revolving credit facility
315.7
362.6
292.5
Liquidity
$359.0
$403.8
$455.8
View source
version on businesswire.com: https://www.businesswire.com/news/home/20220804005130/en/
Tom Morabito, VP, Investor Relations 470-607-5567
tom.morabito@deluxe.com
Cam Potts, Chief Communications Officer 651-233-7735
cameron.potts@deluxe.com
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