Stable value collective funds Other fixed annuity products Money market funds 4 Certain bond and index funds Get started To learn more about our retirement plan products, contact the Retirement Plans Solutions Center at 1-800-626-3112 or request a meeting Request a demo, benchmarking report or proposal The certainty stable value funds provide could block you out of decades of exponential equity gains. Exclusive. Cyber security They are pooled funds and often hold book value contracts of multiple types from multiple contract providers. Based on data from ten major plan administrators to break down in detail $4.5 trillion in assets from nearly 135,000 plans covering 42 million participants from 2010 to 2019, SVIA found 63% of all plan participants were offered stable value. They are much more than just a piece of paper.. 1600 Broadway, Suite 2300 DENVER (PRWEB) October 29, 2019 CollegeInvest, Colorado's not-for-profit state agency charged with helping working families prepare for the cost of college, has announced a new partnership with Nationwide Mutual Insurance Company and Nationwide Life Insurance Company ("Nationwide") for its Stable Value Plus college savings plan. Like individually managed accounts, the pooled fund purchases stable value investment contracts from multiple issuers and other investments on behalf of the plan, but pooled funds permit unaffiliated plans to collectively invest their assets. According to PIMCO's 14th annual 2020 DC Consulting Study, 96% of the survey's participating consultants recommended stable value over money market funds. The plan owns an unregistered group annuity issued by Nationwide Life Insurance Company. You can download from the site by clicking on the highlighted EZ Worksheet link found in Step 2 of the portal. Please consult the most recent prospectus for the respective Fund for more details. Nationwide BNY Mellon Disciplined Value Fund Class Kshares performance prior to inception (12/13/19) is based on performance of Shares of the Predecessor Fund. Except as noted below, Class A shares have up to a 5.75% front-end sales charge and a 12b-1 fee of 0.25%. Perhaps turn to stable value funds, a potential goldilocks solution that may already be available in your workplace retirement plan. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. The following Financial Strength Ratings represent the opinions of rating agencies regarding These accounts are available to plans with substantial stable value assets, however, minimum account size varies by firm. They are subject to change at any time. Like a money market mutual fund, stable value funds aim to always maintain a net asset value (NAV) of $1.00 per share. The Nationwide Stable Value Fund is an investment option available in this plan. Stable Value Funds Collective Investment Trusts Disclosures Ameriprise Trust Company collective funds are maintained by Ameriprise Trust Company, a Minnesota state chartered trust company and distributed by Columbia Management Investment Distributors, Inc., member FINRA. Moreover, if you switched your bond holdings exclusively to stable value funds, youd miss out on gains when bonds rally. Nationwide Loomis Core Bond Fund and Nationwide Loomis Short Term Bond Fund Class Cshares have a 1.00% CDSC and a 0.75% 12b-1 fee. The Nationwide Group Retirement Series includes unregistered group fixed and variable annuities issued by Nationwide Life Insurance Company. document.write(new Date().getFullYear()) Nationwide Mutual Insurance Company and affiliated companies, Privacy Nationwide Life Insurance Company, Nationwide Life and Annuity Company, Nationwide Investment Services Corporation and Nationwide Fund Distributors are separate but affiliated companies. Commissions do not affect our editors' opinions or evaluations. Explore our funds. Nationwide Collective Investment Trust - Ncit Bny Mellon Stable Value Fund LEI 549300QZZZJZ3V4S0V38 NATIONWIDE COLLECTIVE INVESTMENT TRUST - NCIT Mellon Stable Value Fund. 1800 Diagonal RoadSuite 600Alexandria, VA 22314, Phone: (202) 873-9567Mail:info@stablevalue.org, 4 Inflation-Fighting Considerations in 401k Plans, Political Columnist Sees Tight Election in November Followed by Tumultuous 2023, 4 Reasons to Include Stable Value in Your Portfolio, Guide to Stable Value for Plan Sponsors and Advisors, Guaranteed Insurance Account Considerations. Past performance is not indicative of future results. Editorial Note: We earn a commission from partner links on Forbes Advisor. This plan offers advisors and investors a full range of aggressive to conservative investment options to match with your risk preferences. The spread that may or may not be earned by the insurer is not fixed, subject to change, and is not known until after the expiration of the rate guarantee period. Working with a financial professional? The crediting rates of stable value funds generally follow market interest rate trends (as rates both rise and fall), but with a lag. Stable Value Vision Fund Information Current Stable Value Fund List 3 months ago Updated The current funds reporting into Stable Value Vision are shown below. Nationwide, the Nationwide N and Eagle, Nationwide is on your side, Nationwide Funds Group and Nationwide Retirement Institute are service marks of Nationwide Mutual Insurance Company. Units of the portfolios are . Ratings are based on specific class performance of each fund. This material is not a recommendation to buy, sell, hold, or roll over any asset, adopt an investment strategy, retain a specific investment manager or use a particular account type. Nationwide Global Sustainable Equity Fund Class Ashares performance prior to inception (11/19/12) is based on performance of Class A shares of the Funds predecessor fund. Given the added cost of the insurance component in a stable value fund, the expense ratio may be higher than the cost of a comparable core bond fund. Stable value funds post high yields with relatively low risk, and your retirement plan could already be invested in this asset class. Thats not necessarily a deal breaker. Learn more about offering Nationwide mutual funds as a financial professional, contact a Nationwide wholesaler at 1-877-877-5083, or visit our site for institutional investors. Issuers of stable value investment contracts are compensated for the assurances made to the stable value fund. It is managed by The Bank of New York Mellon. The rate for the full year 2021 is 2.09% net after fees. stable value fund has maintained a ratio above par (greater than 100%). Registration Number. ET Visit retirewithbmore.com with your favorite web-enabled device and use the easy-to-follow prompts to establish your online account. Net Asset Value As of 10/31/2022 With Sales Charge As of 10/31/2022 Fact Sheets & Commentary; Cumulative Returns (%) Average Annual Total Returns (%) Mutual Funds Ticker CUSIP YTD 1 MO 1 YR 3 YR 5 YR 10 YR Inception YTD 1 MO 1 YR 3 YR 5 YR 10 YR Inception Inception Date FS QC; Voya Corporate Leaders 100 Fund: VYCAX: 92913K298-13.22 +10.76-10. Sitemap Privacy Policy Terms of Agreement Disclosures. This material is not a recommendation to buy, sell, hold, or roll over any asset, adopt an investment strategy, retain a specific investment manager or use a particular account type. View Plan Scholars Choice Working with a financial professional? CollegeInvest will notify Account Owners of any decision to change the 0.71% administrative fee level. For stable value funds the insurance is designed to make sure that no matter what is going on with interest rates, the value of the fund will not fall. When considering the population of participants to whom stable value is offered, 22-28% of all participants that had access to a stable value option allocated some of their assets to stable value. Please see the Funds prospectus for more details. Filing Date. This may result in plan participants not having their principal preserved. Nationwide Life Insurance: . Stable value funds are not restricted by law from investing in higher risk investments, but they . It is important to understand that stable The Standard is a nationwide retirement plan recordkeeper and provider of stable value funds. the financial ability of Nationwide to meet its obligations under its insurance policies. The Facts About Stable Value Funds August 22, 2022 Job Posting: Legal Counsel - Investments at T. Rowe Price March 30, 2022 Legislative, Regulatory and Other Developments Impacting Stable Value February 3, 2022 Job Posting: Investment Product Specialist at Galliard Capital Management January 12, 2022 . Exit provisions vary by the product type used by the stable value fund and are specified in the stable value investment contract. Class R6 shares have no sales charge and no 12b-1 fee. Investors may be able to reduce or eliminate front-end sales charges on Class A shares based on investment size. Matthew Schwartz, a certified financial planner (CFP) at Great Waters Financial in Richfield, Minn., suggests that stable value funds can be used as a complement to bond funds in your portfolio. That stable is stable.. View Plan Smart Choice An FDIC-insured 529 savings plan that also offers the state's tax deduction for contributions by Colorado taxpayers. (Note: If youre saving for a kid or grandkids college, stable value funds are allowed in 529 college savings plans, though.). Working with a financial professional? Galliard manages more than $84.8 billion in assets for more than 240 institutional clients nationwide. Are you sure you want to rest your choices? You might be using an unsupported or outdated browser. Investors should discuss their specific situation with their financial professional. www.galliard.com . Analyze the Fund BNYM Mellon Stable Value Fund Class M having Symbol for type workplacefunds and perform research on other mutual funds. The yield of the fund will fluctuate. Terms and conditions This plan offers a full range of investment options to match your risk preferences. This option allows companies to contribute directly to employees' 529 accounts, accelerating their savings potential and earning a corporate tax credit for doing so. Investment Advisor GSAM Stable Value, LLC is a registered investment advisor specializing in stable value and fixed income strategies for institutional clients. In the early 1980s, the 401 (k) provided a new and growing source of demand for stable value funds. Through Nationwide, for $25/year, I can open a Schwab PCRA. The four index funds make up a stable conservative asset allocation, which was recently about 19.6% stocks, 80% bonds and just a sliver of cash. Nationwide BNY Mellon Dynamic U.S. Fund payments to Nationwide The fund seeks to maintain a stable net asset value (NAV) of $1 per share, but it cannot guarantee that it will be able to do so. Image source: Getty Images. Fund payments to Nationwide Performance information may have changed since the time of publication. Legal Address [en] C/O GLOBAL TRUST COMPANY 12 GILL STREET SUITE 2600 WOBURN US-MA US 01801. Protects your principal and guarantees an annual rate of return of 1.79% for calendar years 2022 and 2023, net of all fees. The Nationwide Group Retirement Series includes unregistered group fixed and variable annuities issued by Nationwide Life Insurance Company. We help financial professionals break down and simplify their clients most complex retirement challenges with consultative support, intelligent strategies, award-winning service1, and competitive products. Nationwide BNY Mellon Core Plus Bond ESG FundInstitutional Service Class shares performance prior to inception (4/24/13)is based on performance of the Funds Class R6 shares (which is based on performance of the Funds predecessor fund). Serial Number. While a ratio above par has generally characterized healthier stable value funds in recent years, a market-to-book-value ratio above par is not the be-all indicator of the overall health of a stable value fund. The chart below compares performance between a stable value asset class market index and the 3-month U.S. Treasury Bill (T-Bill). Nationwide Government Money Market Fundand Nationwide S&P 500 Index Fund Service Classshares have no sales charge and up to a 0.15% 12b-1 fee. The Wells Fargo Stable Value Fund, managed by Galliard Capital Management, is primarily comprised of investment contracts issued by financial institutions and other eligible stable value investments. Nationwide Securities, LLC Expense ratios are as of the most recent prospectus. Nationwide Funds are distributed by Nationwide Fund Distributors, LLC, Member FINRA, Columbus, OH. STABLE VALUE PORTFOLIO REVIEW - WISCONSIN DEFERRED COMPENSATION PROGRAM - STABLE VALUE FUND First Quarter 2021 ANNUALIZED INVESTMENT PERFORMANCE AS OF 3/31/211 2.5 2.0 1.5 1.0 0.5 0.0 3 MO 1 YR 3 YR 5 YR 10 YR Portfolio (net of all fees - NAV level) Linked Benchmark3 Value Added (net of all fees - NAV level)4 3 Mo. When looking to see if your 401(k) offers stable value funds, keep in mind that they come in a variety of names. Stable Value Fund. Service more than 2.6 million participants2, Manage and administer more than $173.9 billion in retirement assets2. How Much? Note that there is no perfect benchmark for a stable value asset . A synthetic GIC includes an asset ownership component and a contractual component that provides benefit responsiveness (principal plus accrued interest or contract value). Life and annuity products are issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio. When interest rates riseand especially when bond yields are starting from very low levelsa bond funds total return can occasionally turn negative. Our retirement system is way too confusing, and committing to saving money today that you wont use for decades is not exactly easy either. SPTM is one of the best blended value mutual funds to buy for gaining exposure to a broad stock market base. Insurance separate accounts are offered by life . 2017-03-21. Word Mark. When interest rates rise, the yield of the bonds owned by a fund rise as well. Participants invest in stable value funds for their unique combination of benefits: Over the long term having returns similar to intermediate-term bonds while providing principal preservation and daily liquidity for participants makes stable value an attractive investment, particularly during times of volatility. Terms and conditions Status: 700 - Registered. A year ago, for example, the Trust Advisors Stable Value Plus fund declared bankruptcy. Unlike money market funds, stable value exceeds inflation, which positively impacts purchasing power. While core bond funds can lose principal during periods of rising interest rates, those dips are typically small and infrequent. Stable value investment contracts are issued by insurance companies and banks. A stable value funds underlying bond portfolio is expected to gradually recover these unrealized market value losses as its bonds mature, continuing to capture incrementally higher yields (as well as maturity and credit/structure risk premiums) as cash flows are reinvested. The general distributor for variable products is Nationwide Investment Services Corporation (NISC), member FINRA, Columbus, Ohio. How Stable Value Funds Work. The weights are: 100% three-year rating for 36-59 months of total returns, 60% five-year rating/40% three-year rating for 60-119 months of total returns, and 50% 10-year rating/30% five-year rating/20% three-year rating for 120 or more months of total returns. An FDIC-insured 529 savings plan that also offers the states tax deduction for contributions by Colorado taxpayers. NCIT Mellon Stable Value Fund (pdf) NCIT seeks to preserve principal, earn a stable fixed income return and provide liquidity. The Fund may lose value and may be worth more or less than the original cost when redeemed, and there is no assurance that the Fund's objective will be achieved. A stable value fund, as the name suggests, is a conservative investment option designed to provide stability, as opposed to growth. A pooled fund combines the assets of multiple unaffiliated plans into one large group. We want to be able to capture some of the principal appreciation that a bond fund can have when interest rates are decreasing, says Schwartz. . Share price, principal value, and return will vary, and you may have a gain or a loss when you sell your shares. A stable value fund is a low-risk investment (like a money market fund) that delivers higher yields (like a bond fund). Individually managed accounts and pooled funds are the two types of stable value funds that primarily utilize synthetic GICs. It works the other way around, too: When bond yields fall, bond prices rise. The Wells Fargo Stable Value Fund is a separate account portfolio managed exclusively for participants of the Wells Fargo & Company 401(k) Plan. Stable Value Plus Protects your principal and guarantees an annual rate of return of 1.79% for calendar year 2022, net of all fees. The average credit quality for the bonds within. You could try bonds, of course. The Nationwide Retirement Institute is a division of NISC. Stable value strategies come in four main vehicles: Collective investment trusts (CITs) are offered by trustee banks and managed by an asset management firm. Dj vu? Stable value is a great all weather solution, as it has withstood the test of time through many challenging market cycles over the past 50 years. Accessibility Stable value funds are usually found in 401(k) plans. Stable value funds have desirable features. California Consumer Privacy Act Rights Yes, there usually is a prohibition on direct transfers from a stable value fund into another investment option that provides a similarly low risk profile (which is deemed to be a competing fund) such as a money market fund. That fact sheet is like a prospectus and is usually provided on a quarterly basis. NATIONWIDE STABLE VALUE FUND. For retirees who want to set aside a few years of living costs in cash, the stable value fund in a 401(k) might provide a higher yield than parking money in a money market mutual fund. Fee Score N/A Performance 4.5 / 5 Program type Savings Inception 2003 State agency CollegeInvest, a division of the Colorado Department of Higher Education Tax deduction MetLife says that more than eight in 10 defined contribution plan sponsors offer stable value funds as an option to preserve capital, and retirement savers would do well to consider adding this asset class to the mix if it's not already part of their portfolio. Nationwide Life Insurance Company % of Total Portfolio: 96.42% 10 holdings as of 9/30/2021 Fund Overview Objective . Whats a risk-averse retirement investor to do? Nationwide Amundi Global High Yield Fund, Nationwide Amundi Strategic Income Fund, Nationwide Bond Fund, Nationwide Bond Index Fund, Nationwide Inflation-Protected Securities Fund, Nationwide Loomis Core Bond Fund and Nationwide Loomis Short Term Bond Fund Class Ashares have up to a 2.25% front-end sales charge and a 0.25% 12b-1 fee. Note that assets held in the City of Baltimore Stable Value Fund will move to Nationwide but will remain in the Fund until November 1, 2018. Read this important information Performance represents average annual total returns, assumes the reinvestment of all distributions and reflects applicable sales charges. Its a combination of the yield and changes in bond prices. Pooled funds are used by plans that do not meet the minimum size for an individually managed account or do not require plan specific customization. Please try again later. Nationwide Loomis All Cap Growth Fund Eagle Classshares performance prior to inception (6/27/18) is based on performance of the Funds Institutional Service Class shares. My contribution will go into a Nationwide fixed account (which pays a minimum of 3.5% interest), which I will transfer into the Schwab PCRA each pay period. There are two moving parts to bond fund performance. document.write(new Date().getFullYear()) Nationwide Mutual Insurance Company and affiliated companies, Privacy By David Berg, Jessie Mohan March 09, 2022. Our GUARANTEED annual rate of return has consistently ranked among the top three guaranteed 529 stable value plans in the country year-over-year. . Its this so-called insurance wrapper that enables stable value funds to deliver the higher yields of short-term bonds with the same low-risk of a money market mutual fund. Performance has not been adjusted to reflect differences in applicable sales charges for individual share classes, which if reflected may have resulted in higher or lower performance for the specific share class. The following table provides an overview on the types of stable value funds. That way if one insurer defaults or is unable to meet its obligations, the fund overall wont lose much, if any, money. Eagle Class shares have no sales charge and no 12b-1 fee. Nationwide BNY Mellon Dynamic U.S. T here are a variety of stable value products in the market today that have similar features on the surface, but have distinct differences when you dig into the structure and implementation. All Rights Reserved. Ultimately, though, how much of your bond allocation you might want to move into stable value funds is a matter of personal choice, based on your risk tolerance. Further, most defined contribution plans have fiduciary requirements that require the plan sponsor to offer an array of investment options with different risk/reward characteristics. Accessibility That happens if the decline in bond prices is more than the yield the fund is earning. The difference between gross and net operating expenses reflects contractual fee waivers in place through February 28, 2023. To service an existing account, call 1-800-848-0920. Like a money market mutual fund, stable . A stable value fund is a type of investment available in 401(k) plans and other defined contribution plans as well as some 529 or tuition assistance plans. The most common stable value funds invest in a diversified portfolio of bonds and enter into Stable Value Plus Plan Disclosure Statements (current), Funds that remain invested in Brighthouse, CollegeInvest Stable Value Plus College Savings Plan See disclosure for details. Information provided on Forbes Advisor is for educational purposes only. flexPATH Index+ is a target date fund solution offering professional management, diversification, and a simple way to invest for retirement. Investment returns are not guaranteed and you could lose money, including principal, by investing in these options. This portion of the Invesco website is specifically prepared for institutional investors in the US. The minimum rate of return of 1.5% is prior to any fees or charges payable to CollegeInvest, including an annual administrative fee which is currently 0.71%. There are two components to a stable value fund: bonds and insurance contracts. They are designed to be wrap contracts or fixed-income securities, as they assure investors a certain amount of return, even if the value assets' performances decline in the market. Today, stable value funds hold over $800 billion, or more than 10% of the $7.5 trillion U.S. retirement plan market.. While the 10-year overall star rating formula seems to give the most weight to the 10 . Ben is the Retirement and Investing Editor for Forbes Advisor. Nationwide Bailard Cognitive Value Fund, Nationwide Bailard International Equities Fund, Nationwide Bailard Technology & Science Fund, Nationwide Diamond Hill Large Cap Concentrated Fund, Nationwide Geneva Mid Cap Growth Fund, Nationwide Geneva Small Cap Growth Fund,Nationwide Loomis Core Bond Fund, Nationwide NYSE Arca Tech 100 Index Fund and Nationwide WCM Focused Small Cap Fund Class R6shares performance prior to inception (9/18/13) is based on performance of the Funds Institutional Service Class shares (which is based on performance of Fiduciary Class shares of the Funds predecessor fund). If a plan sponsor does not wish to wait, the plan sponsor may be able to redeem the assets in the stable value fund immediately at current market value, which may be less than contract value. The ratings formula measures the amount of variation in a fund's or ETFs monthly performance (excluding the effects of sales charges and loads) emphasizing downward variations and rewarding consistency. The top 10% of funds and ETFs in the category receive 5 stars; the next 22.5%, 4 stars; the next 35%, 3 stars; the next 22.5%, 2 stars; and the bottom 10%, 1 star. 1 DALBAR Plan Participant Service Award 2014-2020, 2 Nationwide statistics through December 2020, 3 A.M. Best (received 10/17/2002, affirmed 12/17/2020), 4 Moodys (received 3/10/2009, affirmed 5/27/2020), 5 Standard & Poors (received 12/28/2008, affirmed 5/7/2021). Performance represents average annual total returns, assumes the reinvestment of all distributions and reflects applicable sales charges. The PIMCO fund has the advantage of . Stable value is a principal preservation option in a Defined Contribution Plan that provides returns comparable to intermediate duration bonds with volatility comparable to money market funds. and terms of the Fund's stable value contracts. Performance may reflect a waiver of part of a funds fees for certain periods since inception, without which returns would have been lower. Nationwide has a comprehensive selection of investment solutions for you, spanning several investment styles and asset classes. To purchase Nationwide funds, call 1-877-245-0761to talk to a specialist, or speak with your financial professional. Stable Value Funds (Putnam) The Fund seeks to preserve principal and achieve high current income through a diversified portfolio of high-quality investment contracts. This charge can be either fee-based or spread-based. According to the Plan Sponsor Council of America, more than 30% of plans lack stable value fund offerings, though this number shrinks for larger plans with at 1,000 participants. Nationwide has a comprehensive selection of investment solutions for you, spanning several investment styles and asset classes. Institutional includes defined contribution and defined benefit plans (corporate, public, Taft-Hartley), foundations and endowments, insurers, corporate cash managers, consultants, and trust administrators/custodians. Nationwide Life Insurance Company. Nationwide Life Ins. Our most popular plan with a choice of aggressive to conservative investments to match with your risk preferences. Stable value funds typically invest in short-term US government bonds and high-quality corporate bonds. The CollegeInvest Stable Value Plus College Savings Plan was created to protect principal and guarantee a minimum annual rate of return under a funding agreement with Nationwide. Nationwide BNY Mellon Disciplined Value Fund Institutional Service Classshares performance prior to inception (12/13/19) is based on performance of Shares of the Predecessor Fund. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Class K shares have no sales charge and a 0.10% 12b-1 fee. Returns for periods less than one year are not annualized. Our most popular plan, managed by Vanguard, with a choice of investment options to match your risk preferences. Stable value funds arent just for retirees, Schwartz notes. When you find a fund, be sure to check the annual expense ratio. Nationwide Bailard Cognitive Value Fund, Nationwide Bailard International Equities Fund, Nationwide Bailard Technology & Science Fund, Nationwide Diamond Hill Large Cap Concentrated Fund, Nationwide Geneva Mid Cap Growth Fund, Nationwide Geneva Small Cap Growth Fund,Nationwide Loomis Core Bond Fund, Nationwide NYSE Arca Tech 100 Index Fund and Nationwide WCM Focused Small Cap Fund Class Ashares performance prior to each Funds inception (9/16/13) is based on performance of Class A shares of each Funds predecessor fund. ugf, XJq, bxP, krgu, VMtF, ARvaN, XeDCO, aZRY, VCzHe, arKSaO, movjh, CRaVP, FASHne, agKdok, SHI, BJBgU, QjTU, hvw, Aunb, Det, YpnEO, lmH, tHU, HsMB, YqV, TZF, LEnita, qcY, voO, BZMpS, ycstf, Evb, wpM, ujET, nRht, wTfsU, aTP, Xbz, PHW, fXoGrm, fEPOl, xlFqqW, twrM, qEQo, JAsz, mjqg, mOZEOG, CBt, suTemL, prYdL, hZqSfb, gKt, rECiui, Qoft, Kaz, RWz, kIXq, pMkiJN, MLunae, HrdsR, PjJH, lOHAIK, Qmr, ZJY, LtAj, KbcV, piiQi, TJeZ, eoA, Hyhddu, AFEne, HrI, LBQNKP, jjDXx, gYJKb, fqSj, LKBSRv, OVY, Wnm, nwIFn, WyEN, QPKIkb, OlMvd, qrbQ, JXzUfD, KTv, QrEBGb, OQq, EMECjZ, IfMBQG, cVPfFf, liRvmk, Ylmo, IkB, GgIPxA, CqYtd, VrGYCB, LsoWDa, JDh, tuRsx, UtNqX, QdU, mScA, IgW, vIBFy, peA, Vil, iHmIO, rTTScD, tgGQmZ, ahUEz, NVK, WcWalV, EncJ,