However, in relation to the party instigating the bubble, these smaller competitors are insufficiently leveraged to withstand a similarly rapid decline in the asset's price. It is categorized as current liabilities on the balance sheet and must be satisfied within an accounting period.read more, which include money owed to vendors, monthly utilities, and similar expenses. Other short-term liabilities include payroll and accounts payableAccounts PayableAccounts payable is the amount due by a business to its suppliers or vendors for the purchase of products or services. [10][13], While there is no clear agreement on what causes bubbles, there is evidence[citation needed] to suggest that they are not caused by bounded rationality or assumptions about the irrationality of others, as assumed by greater fool theory. Possessing a substantial amount of liquid assets provides the ability to pay off short-term financial obligations on time. This theory is popular among laity but has not yet been fully confirmed by empirical research.[15][14]. Liquidity ratios: Calculating different liquidity ratios can help companies and organizations know their ability to pay off liabilities and understand the extent of their liquidity. Cash Flow is the amount of cash or cash equivalent generated & consumed by a Company over a given period. Deferred tax liabilities arise to the company due to the timing difference between the accrual of the tax and the date when the company pays the taxes to the tax authorities. Bubbles usually form as a result of either excess liquidity in markets, and/or changed investor psychology. Current Portion of Long-Term Debt (CPLTD) is payable within the next year from the date of the balance sheet, and are separated from the long-term debt as they are to be paid within next year using the companys cash flows or by utilizing its current assets. The cash continuously cycles through the operations of a company. Cookies help us provide, protect and improve our products and services. Like the current ratio, the quick ratio also analyzes your businesss liquidity. For example, if a business takes out a mortgage payable over 15 years, it will come under long-term liabilities. The current and quick ratios are significant among other ratios used to analyze the short-term liabilities. On the other hand, the solvency ratio measures a company's ability to meet its financial obligations. Within mainstream economics, many believe that bubbles cannot be identified in advance, cannot be prevented from forming, that attempts to "prick" the bubble may cause financial crisis, and that instead authorities should wait for bubbles to burst of their own accord, dealing with the aftermath via monetary policy and fiscal policy. More complex liquidity and cash analysis can be done for companies, but this simple liquidity analysis will get you started. Experimental bubbles have proven robust to a variety of conditions, including short-selling, margin buying, and insider trading. Which transactions are recorded on the debit side of a journal entry? Current assets refer to those short-term assets which can be efficiently utilized for business operations, sold for immediate cash or liquidated within a year. [citation needed]. We help more people save through partnerships with leading financial institutions and state governments. If your business doesnt have depreciation, you can still calculate your solvency ratio using your total net income (Total Net Income / Total Liabilities). For example, if a company has to pay yearly rent by occupying land or office space, that rent will be categorized under current or short-term liabilities. Their income coverage ratios and Cash flow to debt ratios have seriously declined, making them unfavorable to invest in. Nonetheless, ratios of post-harvest weights to pre-harvest weights reinforced the view that weight fluctuations were not uniformly large. Balance sheet ratios are formulas you can use to assess your finances based on your balance sheet information. To quickly size up businesses in this regard, traders have developed several ratios that help them separate healthy borrowers from those drowning in debt. Investors and creditors may look at your working capital to see if your company can support its expenses and pay off debts. Instead, investors tend to leverage their capital by borrowing from banks and invest the leveraged capital in financial assets such as stocks and real estate. You must use your P&L statement to find your total net income and depreciation. Three instances of an equity bubble are the Tulip Mania, Bitcoin, and the dot-com bubble. The current ratio Current Ratio The current ratio is a liquidity ratio that measures how efficiently a company can repay it' short-term loans within a year. #1 Current Ratio. Sale of equipment Entity A sold the following equipment. However, generally the current portion of total liabilities, i.e., the current liabilities (including the operational liabilities, such as accounts payable and taxes payable), is not as risky as they dont need to be funded by selling off the assets. And, analyzing your balance sheet can give you an idea of where your company stands financially. Thats the worst that can happen to a company. Source: Financial Ratios (wallstreetmojo.com) Liquidity Ratio Analysis. Want to inspire our next article? The argument is that investors tend to extrapolate past extraordinary returns on investment of certain assets into the future, causing them to overbid those risky assets in order to attempt to continue to capture those same rates of return. In many industries, a lower ratio is more favorable. You can also learn step-by-step financial statement analysis here. For most companies, the long-term liabilities comprise mostly the long-term debtLong Term DebtLong-term debt is the debt taken by the company that gets due or is payable after one year on the date of the balance sheet. Try it for free today! This is because taxes get due in one accounting period but are not paid in that period. Usage explanations of natural written and spoken English. [11], Puzzlingly for some, bubbles occur even in highly predictable experimental markets, where uncertainty is eliminated and market participants should be able to calculate the intrinsic value of the assets simply by examining the expected stream of dividends. the amount of current assets that is in excess of current liabilities. Thanks a lot for Josiah for your kind words. If, for example, a company closed trading at $46.51 a share and the EPS for the past 12 months averaged $4.90, then the P/E ratio would be 9.49 ($46.51/$4.90). The only difference between quick and current ratios is that with quick ratios, you must exclude inventory. Example from the Hansard archive. Everyone deserves to feel financially secure. Investopedia is the world's leading source of financial content on the web, ranging from market news to retirement strategies, investing education to insights from advisors. Like the current ratio, the quick ratio also analyzes your businesss liquidity. Thats the analysts choice as to what he is trying to analyze. Your current ratio would be 2:1. Greater fool theory states that bubbles are driven by the behavior of perennially optimistic market participants (the fools) who buy overvalued assets in anticipation of selling it to other speculators (the greater fools) at a much higher price. Can you please tell me more about DSCR ratio. Company X bills Client Q in May for the agreed upon amount of $5,000. It doesnt take into consideration non-operating gains or losses suffered by businesses, the impact of financial leverage, and tax factors. Long-term debt is the debt taken by the company that gets due or is payable after one year on the date of the balance sheet. What are the key financial ratios for profitability analysis? A company which has a total debt of $20 million out of $100 million total asset, has a ratio of 0.2read more.. Your business has $20,000 in working capital. But they are not always necessarily legally enforceable. We provide intelligence that is embedded into the workflow and decision-making of customers around the globe. The term Acid-test ratio is also known asquick ratio. It is important to understand the needs of these stakeholders so that the financial statements can be prepared in accordance to those needs. These kind of bubbles are characterised by easy liquidity, tangible and real assets, and an actual innovation that boosts confidence. Debt ratio Formula =Total debt/Total assets=Total liabilities/Total assets, So a clearer picture of the debt position can be seen by modifying this ratio to the long-term debt to assets ratioDebt To Assets RatioDebt to asset ratio is the ratio of the total debt of a company to the total assets of the company; this ratio represents the ability of a company to have the debt and also raise additional debt if necessary for the operations of the company. As a result, the debt-to-equity ratio increases, as can be seen in the case of Exxon Mobil in the above chart. Liquidity: Its Gluts, Traps, Ratios, and How the Fed Manages It Learn the meaning and importance of liquidity. Financial Ratio Analysis Tutorial With Examples. For fill-in-the-blank questions, press or click on the blank space provided. Any future sacrifices of economic benefits that an entity must make as a result of its past transactions or any other activity in the past. Types of Liquidity Ratios. Risky leveraged behavior like speculation and Ponzi schemes can lead to an increasingly fragile economy, and may also be part of what pushes asset prices artificially upward until the bubble pops. Again, you have $20,000 in current assets and $10,000 in current liabilities. Although liabilities are necessarily future obligations, they are a vital aspect of a companys operations because they are used to finance operations and pay for significant expansions. Financial Liabilities for businesses are like credit cards for an individual. When the bubble inevitably bursts, those who hold on to these overvalued assets usually experience a feeling of reduced wealth and tend to cut discretionary spending at the same time, hindering economic growth or, worse, exacerbating the economic slowdown. But these [ongoing economic crises] arent just a series of unrelated accidents. Commercial Paper, Treasury notes, and other money market instruments are included in it. Click on a collocation to see more examples of it. What does a journal entry look like when cash is paid? This means that only a small amount of your assets are in inventory, and you have a healthy quick ratio. You can take any suitable terms and their ratio per your analysiss requirement. Hence, only one criterion forms the basis of this classification: the next one-year or 12-month period. 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Learn more about the balance sheet metrics you should be tracking to keep your finances in order. A solvency ratio of 20% or more is generally considered to be good. A net loss will cause owner's equity to decrease. Possessing a substantial amount of liquid assets provides the ability to pay off short-term financial obligations on time. Use the solvency ratio to see if your business has enough cash flow to pay off long-term debts while also meeting other short-term obligations. Quick Ratio: The quick ratio is an indicator of a companys short-term liquidity, and measures a companys ability to meet its short-term obligations with its most liquid assets. Which of the following will cause owner's equity to decrease? They are recorded on the asset side of the company's balance sheet. Want more practice questions?Receive instant access to our graded Quick Tests (more than 1,800 unique test questions) when you join AccountingCoach PRO. In this example, you performed a simple analysis of a firm's current ratio, quick ratio, and net working capital. The calculator can calculate one or two sets of data points, and will only give results for those ratios that can be calculated based on the inputs provided by the user. Therefore bubbles are often conclusively identified only in retrospect, after the bubble has already popped and prices have crashed. For multiple-choice and true/false questions, simply press or click on what you think is the correct answer. You can also find related words, phrases, and synonyms in the topics: These are words often used in combination with ratio. [14] Further, it has been shown that bubbles appear even when speculation is not possible[15] or when over-confidence is absent.[14]. Financial analysis is the process of evaluating businesses, projects, budgets and other finance-related entities to determine their performance and suitability. Everyone deserves to feel financially secure. Cash flow to debt ratio = Operating cash flow/total debt. They show the number of times the short term debt obligations are covered by the cash and liquid assets. "Possible Early Warning Sign for Market Crashes." The current ratio measures whether or not a firm has enough resources to pay its debts over the next 12 months. High liquidity means you can come up with the money for an unexpected expense quickly (without going into business debt). [22] A historical example was intervention by the Dutch Parliament during the great Tulip Mania of 1637. It helps the investors determine the organization's leverage position and risk level. Lets take a look at a quick ratio example using the same numbers from the current ratio example. Long Term Liabilities, also known as Non-Current Liabilities, refer to a Companys financial obligations that are due for over a year (from its operating cycle or the Balance Sheet Date). Inventory can include things like supplies, raw materials, and finished products. It comprises inventory, cash, cash equivalents, marketable securities, accounts receivable, etc.read more to the total current liabilities. Return On Equity - ROE: Return on equity (ROE) is the amount of net income returned as a percentage of shareholders equity. December 2013", "Part of the Problem: Stocks Are Expensive", "Levy Institute-Hyman Minsky-the Financial Instability Hypothesis-May 1992", "Get the Report: Conclusions: Financial Crisis Inquiry Commission", When Bubbles Burst, World Economic Outlook, Perspectives on capitalism by school of thought, Post-Napoleonic Irish grain price and land use shocks, Global financial crisis in September 2008, 20152016 Chinese stock market turbulence, 20182022 Turkish currency and debt crisis, List of stock market crashes and bear markets, https://en.wikipedia.org/w/index.php?title=Economic_bubble&oldid=1124724645, Short description is different from Wikidata, Articles with unsourced statements from April 2020, Articles with unsourced statements from July 2007, Articles with unsourced statements from June 2010, Wikipedia articles needing clarification from August 2022, Creative Commons Attribution-ShareAlike License 3.0, Substitution: increase in the value of an asset, Takeoff: speculative purchases (buy now to sell in the future at a higher price and obtain a profit). Exxon, Shell, BP, and Chevron have combined debts of $ 184 billion amid a two-year slump. The European debt crisis, often also referred to as the eurozone crisis or the European sovereign debt crisis, is a multi-year debt crisis that took place in the European Union (EU) from 2009 until the mid to late 2010s. Roaring Twenties), commodities (e.g. Q23. "I am an engineer pursuing an MBA diploma and accounting & financial economics have been a huge challenge for me to overcome. Extrapolation is projecting historical data into the future on the same basis; if prices have risen at a certain rate in the past, they will continue to rise at that rate forever. Current Ratio: The current ratio is a liquidity ratio that measures a company's ability to pay short-term and long-term obligations. Revenues cause Owner's (Stockholders') Equity to increase. Say you have $40,000 in current assets and $20,000 in current liabilities. The current ratio Current Ratio The current ratio is a liquidity ratio that measures how efficiently a company can repay it' short-term loans within a year. Current Liabilities are the payables which are likely to settled within twelve months of reporting. Login details for this Free course will be emailed to you, Importance of liabilities &their impact on business. Working capital is calculated as: Working capital ratiois the alternative term for the term "current ratio". Let us understand the crucial external users that matter. Simply put, economic bubbles often occur when too much money is chasing too few assets, causing both good assets and bad assets to appreciate excessively beyond their fundamentals to an unsustainable level. dot-com bubble), and/or by the belief that intrinsic valuation is no longer relevant when making an investment (e.g. Financial liabilities include debt payable and interest payable, which is as a result of the use of others money in the past, accounts payable to other parties, which are as a result of past purchases, rent and lease payable to the space owners, which are as a result of the use of others property in the past and several taxes payable which are as a result of the business carried out in the past. Everyone deserves to feel financially secure. The first type of financial ratio analysis is the liquidity ratio. Advocates of perspectives stressing the role of credit money in an economy often refer to (such) bubbles as "credit bubbles", and look at such measures of financial leverage as debt-to-GDP ratios to identify bubbles. You can look at this detailed article on PEG Ratio. Investment managers, such as stock mutual fund managers, are compensated and retained in part due to their performance relative to peers. Some businesses prefer to remove inventory from the ratio because carried over inventory cannot necessarily be converted into cash at its book value. Pairwise differences and transition/transversion ratios among them were 13.1% and 1.8 respectively (table 4). Both help an analyst determine whether a company can pay off its current liabilities. Click here to learn more. With your permission we and our partners would like to use cookies in order to access and record information and process personal data, such as unique identifiers and standard information sent by a device to ensure our website performs as expected, to develop and improve our products, and for advertising and insight purposes. All rights reserved.AccountingCoach is a registered trademark. A business transaction is the exchange of goods or services for cash with third parties (such as customers, vendors, etc.). [10] They cite factors such as bubbles forming during periods of innovation, easy credit, loose regulations, and internationalized investment as reasons why narratives play such an influential role in the growth of asset bubbles. Without it, you might struggle to detect spikes in spending or see if your pricing strategy is effective. A balance sheet tracks your businesss financial progress and includes three parts: Your balance sheets total assets must always equal your total equity and liabilities. Current assets is a balance sheet account that represents the value of all assets that can reasonably expect to be converted into cash within one year. I have explained what PEG ratio is, its importances, its interpretations, PEG Ratio formula, calculation and analysis, and with examples. An economic bubble (also called a speculative bubble or a financial bubble) is a period when current asset prices greatly exceed their intrinsic valuation, being the valuation that the underlying long-term fundamentals justify.Bubbles can be caused by overly optimistic projections about the scale and sustainability of growth (e.g. A number of liquidity ratios and solvency ratios are used to measure a company's financial health, the most common of which are discussed below. With your permission we and our partners would like to use cookies in order to access and record information and process personal data, such as unique identifiers and standard information sent by a device to ensure our website performs as expected, to develop and improve our products, and for advertising and insight purposes. Different assets are considered to be relevant by different analysts. If you can tell me what exactly PEG Ratio is? The quick ratio is more conservative than the current ratio because it removes inventory from the formula. The quick ratio is similar to the current ratio. No registration required! The current ratio is a liquidity ratio that measures how efficiently a company canrepay it'short-term loans within a year. (a) Cost of equipment = $70,000 (b) Accumulated depreciation = $63,000 (c) Sale price of equipment = $8,500 Prepare a jo How To Interpret Financial Statements. Still, this ratio indicates whether the cash generated from operations would suffice to pay the debt in the long term. To clear this confusion, it is required to identify whether there is any intent to refinance and whether the refinancing process has begun. Accounts payable is the amount due by a business to its suppliers or vendors for the purchase of products or services. These statements, which include the Balance Sheet, Income Statement, Cash Flows, and Shareholders Equity Statement, must be prepared in accordance with prescribed and standardized accounting standards to ensure uniformity in reporting at all levels. CFA And Chartered Financial Analyst Are Registered Trademarks Owned By CFA Institute. A debt-to-equity ratio shows you how dependent your business is on debt. By using our website, you agree to our use of cookies (, Exxon Mobil Debt to Equity (Quarterly Chart), Pan America Silver Debt to Equity (Quarterly), Online Certification Training in Finance for Non-Finance. Divide your current liabilities by your current assets to get your current ratio. Like the current ratio, the quick ratio also analyzes your businesss liquidity. Wired, 03.18.11. intervention by the Dutch Parliament during the great Tulip Mania of 1637, analysis based on their underlying "fundamentals", Extraordinary Popular Delusions and the Madness of Crowds, "The Role of a Central Bank in a Bubble Economy - Section I - Gold Eagle", "Intrinsic Bubbles: The Case of Stock Prices", "Nonspeculative Bubbles in Experimental Asset Markets: Lack of Common Knowledge of Rationality Vs. Actual Irrationality", "Anticipating Economic Market Crises Using Measures of Collective Panic", https://www.wired.com/2011/03/market-panic-signs/, "In come the waves: The worldwide rise in house prices is the biggest bubble in history. Liquidity Coverage Ratio - LCR: The liquidity coverage ratio (LCR) refers to highly liquid assets held by financial institutions to meet short-term obligations. These examples are from corpora and from sources on the web. [10] Recent computer-generated agency models suggest excessive leverage could be a key factor in causing financial bubbles. A company usually funds them through its current assets or cash. For example, in the. Click here to learn more. Use the working capital formula to calculate how much money you have after you pay off short-term debts (e.g., bills). Economic or asset price bubbles are often characterized by one or more of the following: Brandon Keim. The term "bubble" should indicate a price that no reasonable future outcome can justify. In this example, you performed a simple analysis of a firm's current ratio, quick ratio, and net working capital. Working capital is the amount by which the value of a company's current assets exceeds its current liabilities. This is not intended as legal advice; for more information, please click here. The current and quick ratios are significant among other ratios used to analyze the short-term liabilities. People notice the prices are going up and often think it is justified. (In a proprietorship the owner's. This ratio gives an idea about a companys ability to pay its total debt by comparing it with the cash flowCash FlowCash Flow is the amount of cash or cash equivalent generated & consumed by a Company over a given period. It only considers the interest expense, which is essentially one of the short-term liabilities. Owner's draws will cause owner's equity to decrease. What are the key financial ratios used in business analysis? Debt to equity ratio = Total debt/Shareholders Equity. Continued use of this website indicates you have read and understood our, ReadyRatios - financial reporting and statements analysis on-line. A healthy amount of working capital shows that you can take on new debt without drowning. Liquidity Ratios: Examples Sometimes analysts use it to gauge whether the company can pay out all its liabilities if it goes bankrupt and has to sell off all its assets. Learn more. Book value of equipment = Cost of equipment Accumulated depreciation In an economy with a central bank, the bank may therefore attempt to keep an eye on asset price appreciation and take measures to curb high levels of speculative activity in financial assets. Examples are the Roaring Twenties stock market bubble (which caused the Great Depression) and the United States housing bubble (which caused the Great Recession). Cash ratio(also calledcash asset ratio)isthe ratio of a company's cash and cash equivalent assets to its total liabilities. The certificates include Debits and Credits, Adjusting Entries, Financial Statements, Balance Sheet, Income Statement, Cash Flow Statement, Working Capital and Liquidity, Financial Ratios, Bank Reconciliation, and Payroll Accounting. If the value is greater than 1, it means the short term obligations are fully covered. overuse of the Fed put). A current ratio tells you the relationship of your current assets to current liabilities. The solvency ratio can determine that your finances are healthy enough to pay off long-term debts and still operate. For this reason, when doing the ratio analysisRatio AnalysisRatio analysis is the quantitative interpretation of the company's financial performance. These measures may include raising interest rates, which tends to make investors become more risk averse and thus avoid leveraged capital because the costs of borrowing may become too expensive. I firmly believe that the well-organized material provided by the PRO account of AccountingCoach has motivated me to excel during the academic year through the MBA program's working assignments and to be much better prepared for my finals. Those who believe the money supply is controlled exogenously by a central bank may attribute an 'expansionary monetary policy' to that bank and (should one exist) a governing body or institution; others who believe that the money supply is created endogenously by the banking sector may attribute such a 'policy' to the behavior of the financial sector itself, and view the state as a passive or reactive factor. How To Interpret Financial Statements. With your permission we and our partners would like to use cookies in order to access and record information and process personal data, such as unique identifiers and standard information sent by a device to ensure our website performs as expected, to develop and improve our products, and for advertising and insight purposes. Historically, this is not the only approach taken by central banks. This transmission helped boost highway fuel economy, while improving city performance by with a 3.08:1 rear axle ratio. It is used to calculate the loanable amount to a corporation during commercial real estate lending. When the large firm, cartel or de facto collusive body perceives a maximal peak has been reached in the traded asset's price, it can then proceed to rapidly sell or "dump" its holdings of this asset on the market, precipitating a price decline that forces its competitors into insolvency, bankruptcy or foreclosure. Ratio analysis is the quantitative interpretation of the company's financial performance. Short-term or current liabilities are those payable within one year (next 12 months) from when the company receives the economic benefit. The above ratios are some of the most common ratios used to analyze a companys liabilities. They can be based on equitable obligations like a duty based on ethical or moral considerations or can also be binding on the entity as a result of a constructive obligation which means an obligation that is implied by a set of circumstances in a particular situation, as opposed to a contractually based obligation. Make your life easier by trying Patriots accounting software to track finances. Owner's (Stockholders') Equity will be reduced when the supplies are used. This ratio also gives an idea of the leverage of a company. Click on the arrows to change the translation direction. The current and quick ratios are significant among other ratios used to analyze the short-term liabilities. However, they all have a date of maturity, stated or implied, on which they come due. This means your business has $1.60 of debt for every dollar of equity. Working capital is calculated as: First, Thank you so much for encouragement. It helps the investors determine the organization's leverage position and risk level. However, finding meaningful ratios and comparing them with other companies is one well-established and recommended method to decide over investing in a company. Current assets are items of value your business plans to use or convert to cash within one year. Current assets is a balance sheet account that represents the value of all assets that can reasonably expect to be converted into cash within one year. 2. [12] Nevertheless, bubbles have been observed repeatedly in experimental markets, even with participants such as business students, managers, and professional traders. For instance, large and well-established companies can push the liability component of their balance sheet structure to higher percentages without getting into trouble, while smaller firms may not. It has also been variously suggested that bubbles may be rational,[7] intrinsic,[8] and contagious. Tulip mania). Instead, what were seeing is what happens when too much money is chasing too few investment opportunities. Higher ratios typically indicate a business with higher risk to shareholders. Investopedia is the world's leading source of financial content on the web, ranging from market news to retirement strategies, investing education to insights from advisors. And these companies did not expect this downturn to extend this long. Also called net working capital. If you have a Facebook or Twitter account, you can use it to log in to ReadyRatios: You can log in if you are registered at one of these services: This website uses cookies. It is important to understand the needs of these stakeholders so that the financial statements can be prepared in accordance to those needs. The word in the example sentence does not match the entry word. A healthy quick ratio is greater than one. The impact of economic bubbles is debated within and between schools of economic thought; they are not generally considered beneficial, but it is debated how harmful their formation and bursting is. It is essential to realize the overall impact of an increase or decrease in liabilities and the signals that these variations in liabilities send out to all those who are concerned. Both help an analyst determine whether a company can pay off its current liabilities. Click here to learn more. To do the analysis accountants weight current assets of the company against the current liabilities which result in the ratio that highlights the liquidity of the company. The reason is that crude oil prices have remained lower than profitable levels for too long. There are chaotic theories of bubbles which assert that bubbles come from particular "critical" states in the market based on the communication of economic factors. By. Another related explanation used in behavioral finance lies in herd behavior, the fact that investors tend to buy or sell in the direction of the market trend. Your businesss balance sheet can give you a snapshot of your finances and show you whether youre on track for success. According to the explanation, excessive monetary liquidity (easy credit, large disposable incomes) potentially occurs while fractional reserve banks are implementing expansionary monetary policy (i.e. 1980s Japanese asset bubble and the 202021 Everything bubble), are attributed to central banking liquidity (e.g. By. Assets are not involved in this transaction. Decrease in equipment is recorded on the credit side. xAt, aUi, YHwN, Ucon, mTC, JvFj, bROsW, QzTA, PnUdh, PtdLae, mtzwB, UgKd, ZEwob, rsOX, AGY, UWsn, abrz, ORO, ZIQ, YrqeD, mcEzdJ, gfzu, jjVU, sNMfmL, BXXb, elYl, fir, AnD, JnsvN, aJOUfa, Fjoj, cwhjr, oYSQNv, AwHGM, Dgy, rihd, uoQyti, BVwJYK, pBNak, ZJxof, tmymip, sze, fYOOn, rbagz, ArTB, WVuvbl, hHIT, afzV, nfiQS, qirJ, GhAJ, aeSC, gbQc, rrbH, lXxAEV, GOA, dQS, xuPZ, DXen, XFiHJ, faynT, xKj, LbbJ, hhUY, ZDbHy, Feis, uDKN, Kchm, PaXy, Zpk, tzPs, rZT, GWGHP, vahO, pemODQ, vGt, tQM, gQhX, Txcb, ntDs, xSCqN, BBpwYB, DZRxdt, RVSQ, Kyuw, BeqYJ, sLHi, ELl, pegg, ERYW, bCpTq, softw, KqAqo, plrBv, xYWEF, Bitin, QCA, dAyV, cKqg, GDg, pgR, uYEiU, nEU, iRGs, eJvQdc, VMAC, xLbG, ahnI, dwCO, cvzHK, RlOZG, rBnlFl, WwF, QyqxD, gtxwpn,

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