loanDepot is America's lender, offering home purchase and refinance loans and personal loan products nationwide.

Finance

loanDepot

Min Kim currently serves as the EVP of Marketing & Analytics at [loanDepot](/org/loandepot). Prior to this, they were with [Hyundai Capital America](/org/hyundai-capital-america-inc) from January 2011 to August 2012 as Commercial Credit - Risk and Operations. From July 2008 to November 2010, Min Kim worked as Capital Markets - Mortgage Pipeline Risk Management at LendingTree Loans. Her previous position was MSR Valuation at Indymac Bank from December 2006 to July 2008.

Min Kim completed their undergraduate degree at UC Irvine in Economics and then went on to earn their MBA from the University of California, Irvine - The Paul Merage School of Business.

Their manager is Frank Martell, President and CEO. They work with TJ Freeborn - EVP, Chief Administrative Officer, Alex Madonna - EVP, Direct Lending, and Dan Peña - EVP, National Joint Ventures.

Min Kim

Alex Madonna is currently the EVP of Direct Lending at loanDepot. Prior to that, they were the Sales Operations Manager at American Home Loans from April 1999 to November 2008.

Alex Madonna works with Gregg Smallwood - Chief Legal Officer, Corporate Secretary, John Bianchi - EVP, In-Market Retail, and Pat Flanagan - CFO. Alex Madonna reports to Frank Martell, President & CEO.

Alex Madonna

As chief legal officer and corporate secretary, Gregg Smallwood oversees all aspects of loanDepot’s legal strategy and operations as well as various enterprise, shareholder and corporate governance matters, playing a key role in ensuring the company continues to provide exceptional service to its customers, employees and investors.

Gregg has represented major financial services institutions across all aspects of compliance with state and federal law, corporate transactional matters, regulatory enforcement and class action litigation for the majority of his legal career. His areas of expertise include developing and implementing legal initiatives, managing and reducing risk, executing strategic plans and achieving revenue performance targets.

Prior to joining loanDepot, Gregg served as general counsel and executive vice president for Caliber Home Loans. He’s also held senior roles at Bank of America, Morgan Stanley, Saxon Mortgage, GMAC ResCap and Chase Manhattan Mortgage Corporation. He started his career as an attorney at L’Oréal Cosmetics Corporation.

Gregory holds a Juris Doctorate from Seton Hall University School of Law and Bachelor of Arts from the University of Maryland.

Gregg Smallwood

As chief risk officer Joe Grassi is responsible for loanDepot’s enterprise risk management program. A proven senior leader known for delivering exceptional results, Joe’s expansive expertise within the real estate and financial services industries and substantial regulatory experience helps ensure the company delivers on its commitment to superior customer service.

His responsibilities include the overall direction and strategy of the company’s risk management program, including the design and implementation of both enterprise- and loan-level governance policies and procedures. Additionally, Joe provides strategic counsel on the management of potential risks to help reduce the frequency and severity of operational issues and losses, in addition to positioning the company for continued growth.

Joe brings more than 35 years' experience in real estate finance and consumer lending compliance and law to the role, which includes leadership positions within such companies and government agencies as Celebrity Home Loans, the United States Department of Housing and Urban Development, Guaranteed Rate, and Prospect Mortgage. He also spent time at Freddie Mac.

Notably, Joe spent 20 years as a senior attorney for Fannie Mae, including as the lead counsel for the multifamily and single family businesses. He ultimately served as the interim general counsel and corporate secretary for Fannie Mae, where he was responsible for overseeing Fannie Mae’s legal and government and industry relations departments and providing strategic counsel to the CEO and Board.

Joe began his career at Philadelphia-based law firm Obermayer, Rebmann, Maxwell & Hippel and holds both a Juris Doctorate and Bachelor of Science in Business Administration from Villanova University.

Joe Grassi

Zeenat Sidi is President, LDI Digital Products and Services, where she leads the development of loanDepot, Inc.’s mortgage-adjacent digital-first products and services that complement the company’s core mortgage and servicing operations platform. Zeenat boasts 25 years of experience in P&L leadership, digital transformation, risk management, operations, and strategy at several well-known financial institutions in the US and Canada.

Zeenat joined loanDepot in 2022 from Mission Lane where she was Business Head of Digital Banking and Financial Services and led the development of various product offerings to augment credit cards. Prior to this role, Zeenat served as GM of Enterprise Lending, Investing and Data at Galileo Financial Technologies (a SoFi company), where she spearheaded a major strategic transformation that converted Galileo from a powerful payment processing platform to a company that offers a full suite of financial services products through a modern API-based payments platform. Previously, Zeenat was the EVP and Group Business Head of SoFi’s lending businesses, comprised of student loans, personal unsecured loans, and home loans – a digitally-powered business that she built and scaled from the ground up, to a record and industry-leading profitability profile further enhancing her deep FinTech expertise.

Prior to SoFi, Zeenat served as GM of the Home Equity business at Capital One after being the COO of the Home Loans business. During this time, she developed the strategy that moved the Home Loans business into the top quartile for customer experience in the industry, while ensuring positive unit economics through automation and process reengineering. She also brings diverse experience with RBC, including as the GM of the Personal Unsecured, Auto and Student Lending businesses during the financial crisis, leading a 2,500-person Risk Operations team, and overseeing Portfolio Management and Credit Strategy for the largest consumer loan, credit card and small business financing portfolios in Canada. She began her career in credit modeling and consulting with Experian and FICO.

Zeenat holds an MBA with Fuqua Scholar Distinction from Duke University, a Master of Science in Operations Research from Stanford University, and a Bachelor of Science in Systems Analysis from the University of Miami. She serves as the Chair of the Audit Committee of the Board for the Texas Women’s Foundation, the largest regional non-profit women’s fund in the country committed to advancing positive social and economic change for women and girls.

Zeenat Sidi

Misti Snow leads loanDepot Wholesale's long-term strategic vision as Senior Vice President of Operations. Having joined loanDepot Wholesale in December 2013, Snow leads several cross functional departments overseeing the growth and production of the company's origination branches, technology initiatives and corporate training/development.

Snow brings over 20 years of nationwide mortgage experience that spans across retail and wholesale lending platforms with experience in credit, compliance and fulfillment process. Before joining loanDepot Wholesale, Snow served in key roles tied to leadership and development. She previously held a role as a Corporate Trainer in the Wholesale and Correspondent Divisions of [Real Estate Mortgage Network](/org/real-estate-mortgage-network). Prior, Snow was an Operations Manager at New Penn Financial where she partnered with the executive and operations management to develop strategic initiatives and build the company’s Orange County wholesale presence.

In her tenure, Snow has also held leadership roles at E*TRADE Financial and Home Loan Center/LendingTree, collaborating with executive management and sales management to spearhead new processes for efficiency gains, improved customer experience and scalability. She has also held strong foundational production positions including Director of Processing, Account Manager Team Lead, and Sr. Account Executive.

Misti Snow

As loanDepot’s Chief Production Officer, Dan Hanson leads the development of the company’s Retail Production team in achieving its uncompromising mission to become America’s lender of choice.

Responsible for advancing loanDepot’s enterprise growth strategy and platform for its Retail Sales Production team, Dan is also leading the sales organization through further growth while expanding the scope of origination opportunities nationwide.

A highly respected lending industry leader, Dan’s mortgage career covers more than 30 years on a national scale with lending brands that include [Bank of America](/org/bank-of-america) and [Countrywide](/org/countrywide-plc).

In addition to his leadership in the lending industry, he is an active board member of several national nonprofit organizations, including Forum of Christian Business Leaders, HomeAid America, Free Wheelchair Mission, [University of Redlands](/org/university-of-redlands) Global Business, and the Board of Trustees of the California Homebuilding Foundation.

Dan earned his Bachelor of Science degree in Political Science from the [University of Redlands](/org/university-of-redlands).

Dan Hanson

Sheila Mayes, EVP, Treasurer, partners with loanDepot’s consumer direct, in market, wholesale and correspondent leaders to develop and implement strategies that increase sales revenue and maximize profitability. Mayes has been instrumental in building the company’s treasury functions while maintaining balance with current market conditions. Widely respected for her thoughtful and dedicated leadership, Mayes has helped expand the company’s funding and banking capacity to match its production.

Mayes’ background in leading change and supporting rapid expansion in fast-paced, complex mortgage environments is well-suited for loanDepot. A consummate problem-solver with a proven ability to develop innovative solutions that boost revenue while minimizing risk, Mayes is highly skilled in developing and nurturing key internal and external relationships. A systems enthusiast who is adept at leveraging technology to streamline processes, reduce operational inefficiencies and maximize ROI, Mayes is well known for her abilities to integrate ethics and integrity into her daily work and management philosophy.

Sheila Mayes

Dan Peña, EVP, National Joint Ventures, serves as the company’s primary point of contact for all of its Joint Venture and National Builder Account relationships.

Peña, who began his 26-year career as a top-producing originator, has held a variety of sales leadership roles before moving into the operations arena. In 2015, he was promoted to lead of [loanDepot](/org/loandepot)’s Joint Venture channel. Peña has been intricately involved in building successful teams that focus on delivering exceptional customer service to the company’s partners, and the Joint Venture team’s success reflects his laser-focused dedication. Peña’s relationship-centric focus has helped the company nurture multiple exceptional partnerships, including [Meritage Homes](/org/meritage-homes), [LGI Homes](/org/lgi-homes), Michael Saunders and Company, TRI Point Group, Century 21 Redwood and, most recently, Brookfield Residential.

Peña’s son, Marcus, is his top priority, but he also actively participates in his community through ReStore/Habitat for Humanity Central AZ, as well as an annual food drives for Compassion Center Chandler. Peña also enjoys participating in Triathlon sprints throughout the year.

Dan Peña

Frank has more than 30 years’ executive leadership experience and a proven track record of delivering scaled market leadership and growth in revenues and profitability that have resulted in significant stakeholder value creation. He keenly understands the real estate market, along with the power of data, and brings a digital-first mindset to further accelerate our use of technology to deliver superior service for our customers.

As president and CEO, Frank is responsible for all daily operations and leads the company’s diversified multi-channel mortgage origination model (direct lending, in-market retail, wholesale and joint venture), as well as mello, the company’s mortgage-adjacent product and service groups which includes mellohome, melloinsurance, and mellotitle.

Prior to loanDepot, Frank spent 11 years in leadership positions at CoreLogic, where he cemented the company’s reputation as the gold standard for real estate data, intelligence, and analytics. He joined CoreLogic in 2011 and served has the company’s chief financial officer and chief operating officer before assuming the position of CEO and member of the board in 2017. Frank was instrumental in transforming CoreLogic into a global leader in residential property data, analytics and digital platforms. In 2016, he received the HousingWire Vanguard Award in recognition of his distinguished leadership in the housing industry. He also served on the boards of the Mortgage Bankers Association and the Harvard Joint Centers for Housing Studies.

Prior to CoreLogic, Frank held a variety of senior positions in the marketing, financial services, and business information sectors. He spent the first 15 years of his career in a number of financial management roles at [General Electric](/org/general-electric); he subsequently held business leadership roles including chief operating officer of ACNielsen and chief executive officer of the Western Institutional Review Board.

Frank currently serves on the boards of Bank of the West, a wholly-owned subsidiary of BNP Paribas and Compass, Inc., a technology-enabled residential real estate brokerage. He is also a passionate supporter of building better communities as a member of the boards of the Marine Corps Scholarship Foundation, the largest and oldest group supporting the education of the sons and daughters of active and prior service Marines, and Operation HOPE, a provider of financial literacy and empowerment for youth and minority communities.

Frank Martell

Tomo Yebisu currently serves as EVP, Production of [loanDepot](/org/loandepot). Yebisu previously served as president and chief operating officer of Home Loan Center and LendingTree Loans from July 2002 through November 2007. Yebisu brings nearly 20 years of expertise in the areas of sales, marketing, and call center operations.

Prior to joining Home Loan Center, Yebisu served as executive vice president of Sales for LoansDirect.com and resident and chief operating officer for E*TRADE Mortgage from 1994 to 2001.

A dynamic leader and rigorous operator, Yebisu has worked with Anthony Hsieh since the early 1990s as a key player to the management teams responsible for the sale of two highly successful businesses to large public companies.

Tomo Yebisu

John Bianchi is the executive vice president, retail lending at loanDepot. Bianchi has almost 30 years of experience leading nationally-recognized sales organizations and inspiring high performance, customer-centric sales cultures. He is widely considered to be a transformative leader and one who understands the needs of top and emerging producers.

In addition to being a well-respected leader, Bianchi is a top performer and has been recognized as one of the top five mortgage originators in the country. Prior to joining loanDepot, Bianchi served as EVP, National Retail Lending for [Caliber Home Loans](/org/caliber-home-loans-inc), and he held sales leadership positions with [Bank of America](/org/bank-of-america) and Countrywide Home Loans.

Bianchi earned his Bachelor of Business Administration Degree from the [University of San Diego](/org/university-of-san-diego) and, along with his wife Melissa, is the proud parent of 5 children.

John Bianchi

Sam Shiller

Anthony Hsieh is a first-generation American and self-made entrepreneur. Born in Taiwan, he immigrated to the United States with his parents when he was a young child. As the family’s appointed representative, Anthony became adept at negotiating major purchases while also managing larger financial decisions at a very young age. These early life experiences left an indelible mark, and instilled within him the importance of helping families across the nation attain their dreams of homeownership. Beyond that, these experiences ignited a passion to create technology that would transform the mortgage experience into something clear and straightforward.

Today, Hsieh is known for his entrepreneurial spirit and his technological vision. A national mortgage industry expert and innovator who has successfully navigated multiple housing and economic cycles, Hsieh is highly regarded for his market timing and industry acumen, and his commentary is regularly sought out on air and on stage. Hsieh also is a dedicated philanthropist, overseeing the distribution of millions of dollars in charitable donations to organizations nationwide.

The companies that Hsieh has founded over the course of his career are highly regarded both for their inventive approach as well as the business integrity by which they are operated. Known for prioritizing innovation within his companies, Hsieh’s commitment has ultimately transformed the way in which the entire mortgage industry is able to serve its customers. And, thanks to his skillful leadership and tireless work ethic, together with the support of his world-class engineering team, he has brought his vision of a fully digital ecosystem to life.

Hsieh’s relentless pursuit of innovation is fed by a desire to lead the industry with honesty and integrity. He founded loanDepot in 2010 with a commitment to responsible lending and a goal of exceeding customer expectations. The timing was courageous, as many lenders were choosing to leave the industry following the 2008 economic crisis. Not only did he and the company succeed, it excelled, growing from less than 50 employees to become a 7,000-plus-strong workforce. Today, the company is well known as a national lending powerhouse, and has funded more than $212 billion since its inception.

As it enters its second decade, the company continues to lead the charge—and the industry—in a number of notable ways. Hsieh’s vision of a more streamlined and understandable mortgage experience has led to the development of the company’s proprietary mello™ software platform, which today powers every experience between the company’s loan officers and its customers. The mello platform also serves as the foundation for the company’s mello™ smartloan, the world’s first end-to-end fully digital mortgage. Both innovations make the mortgage experience easier, more intuitive, and more in line with customer expectations. Hsieh’s innovations also have spurred the industry to find similar digital solutions, to the benefit of future homebuyers.

Prior to founding loanDepot, Hsieh successfully established two other innovative mortgage companies. In 2002, he established HomeLoanCenter.com, the first online lender to offer a full spectrum of home loan products in all 50 states. HomeLoanCenter.com featured live interest rate quotes and loan offerings that were tailored to borrower needs and credit profiles. Hsieh continued to lead the business for three years after merging with IAC/Interactive subsidiary LendingTree in 2004.

In 1989, Hsieh acquired a mortgage brokerage company which he transformed into LoansDirect.com, taking advantage of the upswell of activity surrounding the debut of internet-based commerce. The company remained one of the most profitable and successful mortgage lenders through the 1990s, and was acquired by E*TRADE Financial in 2001.

Hsieh’s heartfelt commitment to the communities in which loanDepot serves, and his desire to impact the lives of Americans nationwide, is well known. Over the course of his career, Hsieh has led the donation of millions of dollars to support initiatives that have provided much-needed support to families across the country. And, individually, Hsieh has dedicated himself to establishing and supporting initiatives dear to his heart.

In 2018, he conceptualized War Heroes On Water (WHOW), an annual event dedicated to celebrating combat-wounded war veterans. WHOW brings together two of Hsieh’s passions—sportfishing and helping our nation’s greatest heroes, the veteran community. Hsieh’s depth of experience as the captain and owner of Team Bad Company is legendary. He and his team are the winningest competitive sportfishing team in the history of the sport, having earned more than $8M in total prize money, including winning the prestigious Bisbee’s Black and Blue fishing tournament in Cabo San Lucas, which earned the team a $3.9 million prize purse, and which remains the largest single payout in sportfishing history. Most recently the team set a new world record, catching 330 billfish in a single day, and a total of 900 striped marlin over the course of a four-day trip in Mag Bay, off Mexico’s Baja Peninsula.

With the assistance of the Southern California sportfishing community, Hsieh and his fellow anglers gather veterans from across the country for each year’s WHOW event. Over the course of the memory-making weekend, these veterans form lifelong bonds while also experiencing the thrill of big game fishing. Under Hsieh’s direction, the event has raised almost $1M in just two years, funding an extensive array of therapeutic services for veterans.

Most recently, in response to the COVID-19 crisis, Hsieh directed the company’s donation of $1 million dollars to support the individuals, families, first-responders and health care professionals impacted by COVID-19. The funds provided essential meals and services to thousands of impacted individuals and families nationwide. In addition, Hsieh encouraged team members to participate in a variety of virtual volunteer efforts, enabling the 7,000-strong Team loanDepot workforce to make an impact for families in need.

A true entrepreneur, Hsieh has always challenged himself to “do the right thing” both for his company and for the mortgage industry. His ultimate goal remains the continued transformation of the mortgage experience for individuals and families nationwide, ensuring that the American dream of homeownership is attainable for all.

Anthony Hsieh

Viviana Abarca, EVP, Direct Lending Operations, leads the company’s direct lending operations and oversees direct production and its associated teams, including processing, underwriting and closing. Abarca also directs a variety of cross department and cross-channel initiatives designed to enhance cycle times and service levels.

A 16-year veteran of the mortgage industry, Abarca has significant experience in lending operations, specifically processing, underwriting and closing. Previously, as SVP of Underwriting, Abarca managed a team of more than 600 across a variety of departments and business channels. Her keen leadership and ability to identify and implement exceptional improvements has enabled her to enhance every department or channel with which she has worked since she joined loanDepot in 2013. She also has been instrumental in the development of key underwriting process improvements as well as with mentoring colleagues who have gone on to see continued success with the company.

Abarca is passionate about achieving her mentor leadership ideal of assisting team members to grow into areas of leadership and she is excited to tap into loanDepot’s technology platforms to further enhance our existing platforms in a manner that exceeds customer expectations.

Viviana Abarca

EVP and Chief Information Officer George Brady is the company’s top technology executive and oversees all of loanDepot’s technology capabilities, including its groundbreaking proprietary platform, mello®.

With a special talent for spearheading technological innovation, George is focused on leading the world-class mello® platform to new heights while continuing to cultivate a culture of technical excellence and expanding loanDepot’s capacity to meet and exceed changing expectations of its customers. Under George’s leadership, loanDepot continues to advance its ongoing quest to change the game for customers and originators and revolutionize the mortgage lending industry.

George brings nearly 35 years of technology and innovation leadership across a variety of financial services firms, most recently serving as Chief Technology Officer at Capital One. While there he led a comprehensive digital transformation of that company’s software and risk management capabilities.

Prior to Capital One, George held technology leadership roles at Fidelity Investments, Goldman Sachs & Co., Deutsche Bank AG, and Morgan Stanley & Company.

A graduate of the State University of New York at Stony Brook, George earned his Bachelor of Science degree in computer science.

George Brady

As EVP, Human Resources, Kevin Tackaberry leads loanDepot’s Human Resources team as our growing company continues its dynamic expansion as the nation’s employer and lender of choice.

Kevin joined loanDepot in 2017, bringing with him more than 25 years of human resources experience, achieving complex organizational goals through technology and the curation of top talent.

Before joining the company, he served as Chief Human Capital Officer for Prospect Mortgage, LLC, Ford Motor Credit Company, 3M Health Care, among other national brands.

Kevin earned his Bachelor of Science degree in Engineering and his MBA in Human Resource Management from [Michigan State University](/org/michigan-state-university). He is also a member of the Society for Human Resource Management, the Human Resources Professionals Association, and the National Human Resources Association.

Kevin Tackaberry

In his role as Chief Financial Officer, Pat Flanagan leads the expansion of loanDepot’s efforts to create and develop uniquely dynamic lending solutions to responsible borrowers. He currently oversees all aspects of the team’s growth in this innovative function within the business.

Pat brings more than three decades’ investment management and consumer finance experience in the fintech lending space, having most recently served as Executive Vice President at Carrington Mortgage Services. Pat’s leadership roles include various senior-level roles within capital management, mortgage lending and digital financial services.

A graduate of [Monmouth College](/org/monmouth-college), Pat has managed the origination, acquisition and servicing of more than $200 billion in residential mortgage and residential real estate assets.



Pat Flanagan

Jeff DerGurahian was named executive vice president of Capital Markets for loanDepot in May 2012. In this role, DerGurahian oversees loanDepot’s secondary and capital markets efforts including investor relations, loan trading, hedging, pricing strategies and product development.
Prior to joining loanDepot, Mr. DerGurahian served for nine years as executive vice president of Capital Markets for Prospect Mortgage, LLC and was a Hedge Manager for Tuttle Risk Management Services before joining Prospect (formerly MetroCities Mortgage).

DerGurahian holds a bachelor’s degree in Finance from the [University of Virginia](/org/university-of-virginia).

Jeff DerGurahian

Nicole Carrillo is the executive vice president, chief accounting officer at loanDepot. In her role, Carillo is responsible for developing and managing the financial and accounting operations of loanDepot.

Carrillo brings more than 17 years’ experience to her role, most recently as chief financial officer and executive vice president of Opus Bank, where she oversaw all accounting and financial functions, including financial performance, planning and reporting, liquidity management, investment portfolio performance, capital and interest rate risk management and coordination with external auditors, investors and banking regulators. She was also part of the management team that led the company through its initial public offering in 2014.

Prior to Opus Bank, Carrillo was a senior manager in the audit practice with KPMG LLP serving a variety of private and public financial services clients.

Carrillo received her Bachelor of Science in Accounting from [Loyola Marymount University](/org/loyola-marymount-university) and is a California Chartered CPA. She also is a board member of the United Way of Orange County and the Boys and Girls Club of Central Orange Coast.

Nicole Carrillo

Rick Calle is the executive vice president, chief strategy officer at loanDepot. In this role, Calle leads the company’s strategic planning efforts for existing business channels as well as new ventures. His role includes executive oversight of enterprise growth initiatives including new business expansion, mergers and acquisitions, and business development.

Calle has over a decade of experience in financial services including roles in private equity and investment banking. Prior to joining loanDepot in 2013 he was an investment professional at Parthenon Capital Partners, where he was responsible for evaluating investment opportunities and overseeing existing portfolio investments, including loanDepot. Prior to Parthenon, he worked in the M&A groups at [Barclays](/org/barclays) and Lehman Brothers in New York.

Calle holds a bachelor’s degree in political economy from [Georgetown University](/org/georgetown-university).

Rick Calle

Jeff Walsh, President, LDI Mortgage, has a wide-ranging role that touches a broad swatch of the Company’s activities. In addition to overseeing the technological development of the Company’s products and the IT team, he also leads the Company’s Retail, Wholesale and JV production and operations activities. Further, Jeff also has oversight of the Human Resources team as well as the Company’s Closing USA escrow and title services unit.

Jeff joined loanDepot in 2012, bringing with him more than 20 years’ experience in mortgage lending. During this tenure, he has overseen the growth and production of many of the Company’s departments, including operations, processing, human resources, vendor management and escrow.

Jeff attended West Valley College in Saratoga, California and San Jose City College in San Jose, California. He also attended executive development programs at the University of North Carolina’s Kenan-Flagler Business School and the Colorado Springs Center for Creative Leadership.

Jeff Walsh

TJ Freeborn

Gonzalez' extensive background within the financial sector includes serving in multiple leadership roles, in increasing capacity, with such companies as [Citigroup](/org/citigroup), the American Stock Exchange, Nationstar Mortgage and [Santander Consumer USA](/org/santander-consumer-usa). He was attracted to loanDepot thanks to its CEO and Founder, Anthony Hsieh and the Company's focus on creating industry-changing technologies. His areas of expertise include creating transformational programs that strengthen cyber capabilities and reduce potential business risk.

loanDepot

Org chart

Teams

Leadership Team

CEO and Executive Team

Board of Directors

Founding Team

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