Question 1

What is Heed?

Accepted Answer

Heed is a real-time international tax intelligence platform that monitors multiple jurisdictions and tells you, in plain language, when a rule change, residency threshold, or planning window actually affects your specific situation. Think of it as an early warning system for international tax law, sitting between your accountant (who files once a year) and a tax calculator (which only shows you what you owe today). It is built for people whose tax exposure does not fit neatly into one country: digital nomads, expats, high net worth individuals with cross-border income or assets, and the financial advisors who serve them.

Question 2

Who is Heed for?

Accepted Answer

Four core audiences. Digital nomads who move between countries and need to track day counts, residency triggers, and remote-work tax rules. Expats with income or assets in more than one jurisdiction who need to know when something changes at home or in their host country. High net worth individuals with capital gains exposure, crypto holdings, offshore entities, or relocation plans where a single rule change can move millions. And financial advisors, tax attorneys, and family offices who manage clients across borders and need a single workspace to monitor every jurisdiction their clients touch.

Question 3

Is Heed legal or financial advice?

Accepted Answer

No. Heed is an intelligence layer, not a tax advisor. We tell you what changed, why it matters to your profile, and what questions to bring to your accountant or attorney. We do not file returns, optimise structures on your behalf, or replace a qualified professional in your jurisdiction. Every change in your feed links back to the original government source so you and your advisor can verify it independently. Your advisor tells you what to do. Heed makes sure you arrive at that conversation informed, on time, and with the right questions.

Question 4

How do I contact support and how fast do you respond?

Accepted Answer

Email support@heed.finance or use the in-app Support page. We aim to respond within 24 hours on business days; Circle and Advisor members get priority handling with a 4 hour response target.

Question 5

How is Heed different from a tax calculator or my accountant?

Accepted Answer

Calculators are static: you input numbers and they tell you what you owe in one country, today, under current rules. Accountants are reactive: they help you file once a year, and most do not monitor changes outside the jurisdictions they specialise in. Heed is continuous and cross-border: we watch all jurisdictions we cover in real time, match every change against your residency, income types, and asset classes, and alert you the moment something shifts. We complement your accountant, not replace them. Most users describe us as the layer that makes their existing tax setup proactive instead of reactive.

Question 6

Which countries does Heed cover?

Accepted Answer

We monitor multiple jurisdictions across five regions. Europe (48): UK, Germany, France, Italy, Spain, Netherlands, Belgium, Portugal, Switzerland, Ireland, Cyprus, Malta, Monaco, Andorra, Liechtenstein, and every EU member plus the Balkans and CIS. Americas (34): United States, Canada, Mexico, Brazil, Argentina, Chile, Cayman Islands, BVI, Bermuda, Bahamas, Panama, Uruguay, and the wider Caribbean and Latin America. Asia-Pacific (25): Singapore, Hong Kong, Japan, South Korea, Australia, New Zealand, Thailand, Malaysia, Indonesia, Vietnam, India, China, Taiwan. Middle East (10): UAE, Saudi Arabia, Israel, Qatar, Bahrain, Kuwait, Oman, Turkey, Jordan, Lebanon. Africa (20): South Africa, Mauritius, Seychelles, Egypt, Morocco, Kenya, Nigeria, and more.

Question 7

Do you track sub-national tax rates like US states or Swiss cantons?

Accepted Answer

Yes. For jurisdictions where the state, province, or canton materially changes the effective rate, we maintain 80 sub-regional entries on top of the national-level data. This includes all 50 US states, all 26 Swiss cantons, the 13 Canadian provinces and territories, the 17 Spanish autonomous communities, the 8 Australian states and territories, the 36 Indian states, the 13 Malaysian states, and the 3 Belgian regions. The Scenario Planner and Position Optimiser use these sub-regional rates automatically when you pick a jurisdiction that has them, so a move from London to Geneva versus Zurich shows the actual delta, not a national average.

Question 8

How does Heed actually detect tax changes?

Accepted Answer

We monitor official government sources, parliamentary feeds, tax authority bulletins, central bank announcements, and trusted secondary sources across all jurisdictions we cover. Discovery runs on a Tier A weekly sweep for the 30 highest-velocity jurisdictions and a Tier B monthly sweep for the rest. Every signal is passed through an AI-assisted extraction pipeline that pulls structured fields (jurisdiction, effective date, affected income types, asset classes, status), then every draft goes to human review before it ever appears in your feed. No hallucinated rules, no rumour, no auto-publish. Every published change carries a direct link to the original source.

Question 9

How quickly will I be alerted when something changes?

Accepted Answer

Every paid tier receives real-time email alerts the moment a change is verified and published, typically within hours of the official announcement for major jurisdictions and the same day for everything else. Signal, Pro, Circle, and Advisor members all get real-time alerts, filtered by our intelligence matching engine so you only hear about changes that actually overlap with your residency, income types, and asset classes. No noise, no spam. The free, no-account way to get a feel for how Heed thinks is the public Tax Situation Roast.

Question 10

Does Heed track proposed legislation, or only enacted laws?

Accepted Answer

Both, and a stage earlier than either. The feed tags every entry by status: enacted (in force), proposed (introduced, not yet voted), and withdrawn (formally dropped). On top of that sits the Regulatory Radar: measures still being debated, coalition talks, public consultations, EU negotiations, before any bill exists, each clearly marked unconfirmed. Pro, Circle, and Advisor members see all of it, which is essential if you are planning a relocation, an exit event, or a corporate restructure where you need 6 to 18 months of forward visibility. Signal covers enacted changes. The planning window closes the moment a rule becomes enacted, the Radar is how you hear the door starting to move.

Question 11

Where do you cite your sources?

Accepted Answer

Every published tax change carries a source URL pointing to the official government bulletin, parliamentary record, or tax authority page where the change was announced. Every jurisdiction in the Tax Rankings table carries a last-verified date and a source link for each rate. Ask Heed, our AI brief console, returns inline citations alongside its answers so you can verify any claim. We do not publish anything we cannot point to a primary source for. If a source goes dark or is updated, the entry is flagged for re-verification.

Question 12

What is the Change Feed?

Accepted Answer

The Change Feed is the core of Heed: a continuously updated stream of every tax law change across the jurisdictions we cover, filtered to show only the ones that actually match your profile. Every entry shows the jurisdiction, the change type (rate change, threshold change, new regime, withdrawn rule), the effective date, the affected income types and asset classes, a plain-language summary, and a link to the official source. You can bookmark changes, filter by status (enacted, proposed, or the Regulatory Radar for measures still under discussion), and click through to a detail view with full context and related changes.

Question 13

What is the Tax Rankings tool?

Accepted Answer

Tax Rankings is a live comparison of all jurisdictions we cover across six income types: employment income, capital gains, dividends, crypto, rental income, and corporate tax. You can sort, filter by region, and drill into sub-national rates for jurisdictions like the US, Switzerland, Canada, and Spain. Every rate is sourced, dated, and verified. Tax Rankings comes with Signal, with side-by-side comparison and the full numeric breakdown. Pro adds sub-national filtering and integration with the Scenario Planner.

Question 14

What is the Scenario Planner?

Accepted Answer

Scenario Planner is a what-if comparison tool for Pro members. Pick your current jurisdiction and a target jurisdiction, enter your income mix (employment, dividends, capital gains, crypto, rental) and asset exposure, and Heed shows you the side-by-side tax delta, the residency requirements to qualify, and an AI-generated narrative explaining the trade-offs (cost of living, currency risk, regime stability, exit tax exposure from your current country). You can save scenarios, compare multiple targets, and export a branded PDF for your accountant or family office.

Question 15

How does the Residency Tracker work?

Accepted Answer

Residency Tracker comes with Signal and every tier above it. It lets you log presence in any jurisdiction and runs dual-mode day counting against your goals. Set each country to either Avoid (stay under a threshold, typically 183 days, to prevent triggering tax residency) or Establish (build presence to meet a threshold and qualify for a regime). Automatic warnings fire at 50%, 85%, and 100% of your goal so you never accidentally trigger residency in a country you are trying to avoid, and never miss the qualifying day count in a country you are trying to establish in. Supports unlimited concurrent jurisdictions with timezone-aware presence ranges.

Question 16

What is the Position Optimiser?

Accepted Answer

Position Optimiser is a Pro AI tool that takes your full profile (residency, income types, asset classes, offshore entities, life-event horizon) and runs a structural analysis against every jurisdiction we cover. It returns a structured read, always as options with trade-offs rather than a single recommendation: which jurisdictions are structurally favourable for your profile, which regimes you might qualify for, which exit-tax exposures to watch, and which planning windows are closing. Advisor-tier users can inject any client profile to run the same analysis on their behalf.

Question 17

What are Visa Match, Structure Match, and Financial Navigator?

Accepted Answer

Three Pro directories that answer "what are my options?". Visa Match filters 540+ residency, nomad, golden-visa, talent and investor programmes down to the ones you qualify for. Structure Match compares 250+ company structures by jurisdiction (corporate tax, setup cost and time, beneficial-owner registers, CRS exposure, and whether the structure grants a residence visa). Financial Navigator covers 250+ banks, neobanks, crypto cards and wallets, scoped to your jurisdictions. Each one is data: programmes, structures and accounts you sign up for yourself, with the official source linked. They are different from the Marketplace, which lists vetted people (lawyers, bankers, firms) you engage. Rule of thumb: a directory is a thing with a signup button; the Marketplace is a person you would brief.

Question 18

What is Ask Heed?

Accepted Answer

Ask Heed is a credit-metered AI tax brief console. You ask a tax question in natural language ("what changed for UK capital gains in 2026?", "what is the Italian impatriate regime?", "will the Portuguese NHR regime affect me if I relocate next year?") and Heed returns a grounded, cited answer based on the published changes database plus current jurisdiction data, alongside a list of accountant-ready follow-up questions. Signal gets 10 credits a month, Pro gets 50, Advisor gets 300, and Circle is unmetered. Top-up packs are available on every paid tier.

Question 19

What is the Tax Situation Roast?

Accepted Answer

Roast is a free viral tool that takes any jurisdiction and produces an AI-generated comedic take on its tax regime, with split-panel share cards designed for X and LinkedIn. No account required; an email unlocks your result. Limits: one roast per email every 30 days and ten per day per network. It exists for two reasons: it is genuinely fun, and it is the easiest way to get a feel for how Heed thinks about jurisdictions before you commit to an account.

Question 20

What is the Advisor Workspace?

Accepted Answer

Advisor Workspace is the B2B side of Heed, for tax attorneys, wealth managers, family offices, and accounting firms with cross-border clients. You get a multi-client dashboard with a firm and teams hierarchy, CSV client import, per-client residency tracking, white-label tax alerts sent under your firm name, client-specific notes and tasks, a public read-only share link per client, branded PDF exports, a weekly digest, and a compliance dashboard. Each client gets their own profile so the entire intelligence engine (Change Feed, Scenario Planner, Residency Tracker, Position Optimiser, Ask Heed) operates on their data, not yours. Starts at $499/month for 5 clients, +$29/client beyond that.

Question 21

What is Concierge? (coming soon)

Accepted Answer

Concierge is the done-for-you human relocation service: a paid, scoped engagement where Heed runs the actual move end-to-end with vetted partners on the ground (visa filing, banking setup, structure incorporation, tax registrations, timeline coordination). It is sold separately, priced per engagement, and is not included in any subscription tier. Circle members get a 20% discount on Concierge engagements. The planning deliverable that comes with Circle is the Relocation Brief, not Concierge.

Question 22

What is a Relocation Brief and who gets one?

Accepted Answer

A Relocation Brief is a plan for moving your tax position from one jurisdiction to another. Pro members run the Heed planning engine themselves inside their dashboard and can generate and export the Brief on their own. The engine returns exactly two scenarios (tax delta, residency and exit-tax windows, sequenced steps) and members can re-run and refine them as many times as they like. Circle adds the analyst layer: when the scenarios are right, members send them to their named analyst, who reviews, corrects, and signs the finalised Brief within 48 hours. The signed Brief is the Circle deliverable, raw engine output is never the signed Brief. Circle includes one analyst-signed Brief a year, with additional Briefs available at a member rate. Engine runs in the dashboard are unlimited.

Question 23

What's the Marketplace and who gets warm intros?

Accepted Answer

Marketplace is a curated network of vetted tax attorneys, accountants, immigration lawyers, family-office specialists, private bankers, and relocation agents across the jurisdictions Heed covers. Access is tiered. Pro sees the directory: firm name, jurisdictions, specialism, vetting badge, and the public URL. You can take it from there yourself. Circle members get the warm intro: a real introduction email from Heed, member rates where we've negotiated them, and 'Heed sent you' treatment so you skip the cold-outreach queue. We disclose any commercial relationships, and partners cannot pay to stay listed if members rate them poorly. The directory is the data layer (Pro). The intros are the access layer (Circle).

Question 24

Ask Heed, Relocation Brief, Marketplace, Concierge, which is which?

Accepted Answer

Five things people mix up, cleanly separated. Ask Heed is the AI assistant: ask any tax question, get a cited answer, on every paid tier (Signal includes 10 credits a month, Pro 50). The Relocation Brief is a move plan: Pro members generate and export it themselves from the planning engine (two move scenarios with trade-offs), and Circle adds the analyst layer, where your named analyst reviews and signs the finalised brief within 48 hours. Marketplace is the vetted directory of people (lawyers, bankers, firms): Pro browses it and reaches out directly, Circle gets a warm introduction with member rates. Concierge is the done-for-you human service: a person runs your actual move end to end, sold separately per engagement, in no subscription tier. And Advisor / Family Office is the B2B software tier: firms managing clients, family offices managing their own entities. One line each: Ask Heed answers questions. The Brief plans a move. Marketplace lists the people. Concierge executes the move. Advisor / Family Office is software for firms and family offices.

Question 25

Can I use Heed across multiple clients?

Accepted Answer

Yes. The Advisor tier is built around a multi-client workspace. Every client gets their own profile (residency, income types, asset classes, offshore entities) and the full intelligence engine runs against each one independently. You can switch between clients with a single dropdown, see a unified compliance dashboard across your entire book, and filter the Change Feed by client. CSV import lets you onboard your existing book in minutes.

Question 26

Do client alerts go out under my firm name?

Accepted Answer

Yes. Advisor-tier accounts can configure a sender name override on automated client communications so alerts, residency warnings, and digests appear to come from your firm rather than from Heed. PDF exports, the weekly digest, and the public client share portal all use your firm logo and branding. Clients see your firm; Heed runs invisibly in the background.

Question 27

How does the firm and teams hierarchy work?

Accepted Answer

Firms sit at the top and contain members (with roles: owner, admin, analyst, viewer) and teams. Teams group clients and members so a large firm can scope visibility (for example, a Geneva team only sees Swiss-resident clients). Owners and admins can invite members, assign clients to teams, and manage the firm logo and branding. All clients are scoped to the firm, so member onboarding and offboarding is clean and audit-logged.

Question 28

Can I share a client view with the client themselves?

Accepted Answer

Yes. Every client record has a public read-only share link with a hashed token and an expiry date. Send the link to the client and they see a branded summary of their tax position, recent changes affecting them, and any notes you have chosen to surface. No login required on the client side. You can revoke the link at any time.

Question 29

How is Advisor pricing structured?

Accepted Answer

Advisor plans start at $499/month (or $425/month on annual, $5,099/year, saving ~15%) and include 5 clients. Additional clients are $29/client/month, billed metered through Stripe. You get 300 Ask Heed credits per month, the full Change Feed and Tax Rankings across all jurisdictions we cover, all advisor tools (Scenario Planner, Residency Tracker, Position Optimiser per client), white-label alerts, branded PDF exports, the weekly digest, and the compliance dashboard. Advisor accounts go through a Pay After Approval flow: you apply, we verify your credentials, then you subscribe, with early-access pricing locked in for life.

Question 30

Is my data private and secure?

Accepted Answer

Yes. Your profile, residency, income types, asset details, and presence history are encrypted at rest and never sold, never shared with third parties, and never used to train external models. We do not share your data with advisors unless you explicitly invite one into your workspace. We are GDPR aligned, support data export and deletion on request, and run row-level security on every table so you can only ever read or write your own data. Authentication is email-based with optional TOTP two-factor authentication for high-sensitivity accounts.

Question 31

Can I export or delete my data at any time?

Accepted Answer

Yes. You can export your full profile, residency history, bookmarks, scenarios, and Ask Heed history from Settings. Account deletion is self-service and removes all personal data within 30 days, retaining only the minimum required for legal and accounting obligations (suppression list for email compliance, anonymised payment records for Stripe). Advisor accounts have an additional firm-level export covering all client records for handover or audit purposes.

Question 32

Can I track multiple residencies and day counts?

Accepted Answer

Yes. The Residency Tracker supports unlimited concurrent jurisdictions on Pro, Circle, and Advisor tiers. Each jurisdiction is configured independently as Avoid (stay under a threshold) or Establish (build qualifying presence) with custom day count limits (defaults to 183 where applicable). You log presence as date ranges with timezones, and Heed calculates rolling day counts, warns you at 50%, 85%, and 100% of your goal, and surfaces conflicts (for example, if your day counts in two countries would both trigger residency).

Question 33

Do you support two-factor authentication?

Accepted Answer

Yes. TOTP-based two-factor authentication (Google Authenticator, 1Password, Authy, etc.) is available on every account from Settings. We strongly recommend enabling it for Pro and Advisor accounts where sensitive client and financial data lives. Sign-in attempts are server-side rate-limited and suspicious activity is logged. Admin and white-label advisor-firm accounts can require MFA at the firm level.

Question 34

What information does Heed actually store about me?

Accepted Answer

The minimum required to make the intelligence engine work: your email and authentication credentials, your declared tax residency, the income types you receive (employment, dividends, capital gains, crypto, rental, business), the asset classes you hold, optional flags for offshore entities and crypto holdings, your wealth bracket (broad band, used for relevance scoring), notification preferences, and presence history if you use the Residency Tracker. We do not store account balances, transaction history, bank details, or returns. We never see the numbers your accountant sees.

Question 35

Can I subscribe today?

Accepted Answer

Yes. Signal, Pro, and Advisor are buyable now through Stripe Checkout, with early-access pricing locked in for life. Circle is members-only and joins by application. The public Tax Situation Roast is free and needs no account, so you can also get a feel for Heed without subscribing.

Question 36

What does Heed cost?

Accepted Answer

Signal is the entry tier at $12/month (or $10/month on annual, $120/year) and covers the essentials: the Change Feed with real-time alerts, the Residency Tracker, Tax Rankings with side-by-side comparison, the Heed Mobile App, and 10 Ask Heed credits a month. Pro is $49/month (or $42/month on annual, $499/year) and unlocks the Scenario Planner, the Position Optimiser, Visa, Structure and Financial Match, the Relocation Brief (generate and export), proposed-legislation monitoring, the Regulatory Radar, and 50 Ask Heed credits a month. Circle is by application (pricing not set yet) and is the members tier for internationally mobile individuals who want a real human relationship: a dedicated Heed analyst, an annual written structural review, the analyst-signed Relocation Brief, private briefings before changes hit the public feed, members-only events, priority support, and unmetered Ask Heed. Advisor starts at $499/month (or $425/month on annual, $5,099/year) for 5 clients, with +$29/client beyond that, multi-client dashboard, white-label PDFs, priority support, and 300 Ask Heed credits a month. There is no free account; the public Tax Situation Roast is the free, no-account way to try Heed.

Question 37

What is the difference between Signal, Pro, and Circle?

Accepted Answer

Signal ($12/month) is the entry tier for one person who wants to know where they stand: the Change Feed with real-time alerts, the Residency Tracker, Tax Rankings, the Heed Mobile App, and 10 Ask Heed credits a month. Pro ($49/month) is the full software platform: every planning tool (Scenario Planner, Position Optimiser, Visa/Structure/Financial Match), the Relocation Brief you generate and export yourself, proposed-legislation visibility plus the Regulatory Radar, and 50 Ask Heed credits a month. Circle (by application) is the members tier for internationally mobile individuals who want a real human relationship alongside the software: a dedicated Heed analyst as your named contact, an annual written structural review, the analyst-signed Relocation Brief, private briefings before changes hit the public feed, members-only events, priority support, and unmetered Ask Heed. Advisors and family offices need the Advisor tier.

Question 38

How much do I save on annual billing?

Accepted Answer

Roughly 15% across all paid tiers. Pro drops from $49/month to $42/month ($499/year) and Advisor from $499/month to $425/month ($5,099/year). Circle is by application, so it is not on the annual-discount ladder. Early-access pricing is locked in for the lifetime of the subscription, so if you sign up at today's prices you keep them on renewal.

Question 39

When does Circle launch?

Accepted Answer

Circle is by application and rolls out in limited intake over the coming months. It is a members tier built around a real human relationship: a dedicated Heed analyst as your named contact, an annual written structural review, the Relocation Brief (run the planning engine, two scenarios, your analyst signs it within 48 hours), member briefings before changes hit the public feed, the members-only events, priority support with a 4-hour response, and unmetered Ask Heed. Apply from the pricing page for first access.

Question 40

Can I cancel or downgrade anytime?

Accepted Answer

Yes. Monthly plans can be cancelled anytime from the billing portal and stay active until the end of the current cycle. Annual plans run to the end of the prepaid period; there are no early-termination fees. You can move down to Signal at any time and keep your profile, bookmarks, scenarios, and history intact. Downgrading restricts feature access to the new tier but never deletes data, so you can upgrade again later without losing anything.

Question 41

Do you offer refunds?

Accepted Answer

We don't offer refunds. Monthly and annual plans can be cancelled at any time and stay active until the end of the period you've paid for, so you never lose time you've paid for. If something has gone wrong with billing (a duplicate charge, for example), contact support@heed.finance and we'll sort it out.

Question 42

Is there a free way to try Heed?

Accepted Answer

Yes. The public Tax Situation Roast works without any account at all and is the free way to get a feel for how Heed thinks about a jurisdiction. There is no free account tier; the entry plan is Signal at $12/month, buyable now with early-access pricing locked in for life. Payment is handled by Stripe; we never store card details.

Question 43

What are Ask Heed credit top-ups?

Accepted Answer

Ask Heed runs on a monthly credit allocation: 10 on Signal, 50 on Pro, 300 on Advisor, and unmetered on Circle. If you burn through your monthly allocation, you can buy top-up packs (10, 30, or 100 extra credits) through Stripe. Top-ups never expire and roll alongside your monthly allocation.

Question 44

What's included in Advisor / Family Office?

Accepted Answer

One tier, one subscription, two shapes chosen at onboarding. Advisors manage multiple external clients and switch between them; family offices manage their own entities (a trust, a holding company, each member) and switch between those instead. Both get the firm-wide workspace, the same intelligence engine, white-label exports, and per-seat billing on a single subscription (a set number included, then a flat rate per extra client or entity). Family offices sign up self-serve with no approval step. For a multi-firm group (several separate firms under one roof), a custom data feed, or API access, use the Book a call link on the pricing page and we'll scope it.

Question 45

How does Heed decide which changes are relevant to me?

Accepted Answer

Every tax change is tagged with the jurisdictions it affects, the income types it touches (employment, dividends, capital gains, crypto, rental, corporate), and the asset classes involved. Heed matches every change against your profile using AND logic: a change must affect a jurisdiction you track AND overlap with at least one of your income types or asset classes before it surfaces as an alert. This eliminates the noise of "every tax change everywhere" and means a Belgian capital gains rule change does not ping you if you only hold crypto in Portugal.

Question 46

Why didn't I get an alert for a change I saw in the news?

Accepted Answer

Three likely reasons. First, the change does not match your profile (wrong jurisdiction, or affects income types and assets you do not hold). Second, the change is still in our draft pipeline awaiting human verification (we never publish on rumour). Third, status visibility differs by tier: Signal sees enacted changes, while Pro, Circle, and Advisor also see proposed legislation and the Regulatory Radar. If you think we missed something material, the Support page has a feedback channel that routes straight to the editorial team.

Question 47

What alert channels does Heed support?

Accepted Answer

Email is the primary channel for real-time alerts, the weekly digest, and residency threshold warnings, sent from notify.heed.finance. In-app, alerts appear in the Alerts inbox with full detail and source links. Advisor-tier accounts can configure white-label sender names so client alerts appear under their firm. Browser push notifications are on the roadmap; the Heed Mobile App ships soon and is included on every tier from Signal up. You can configure granular notification preferences (real-time, daily digest, weekly digest, off) per jurisdiction and per change type from Settings.

Question 48

What is the difference between the weekly digest and real-time alerts?

Accepted Answer

Real-time alerts fire within hours of a verified change being published and are scoped to changes that match your profile, on every tier from Signal up. The weekly digest is a Sunday summary of every relevant change from the prior week, useful when you want one inbox event per week instead of continuous notifications. Most users run real-time alerts for urgent jurisdictions (current residency, planned destinations) and the weekly digest for everything else.

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