Rec. For each term, write a sentence that explains its significance or meaning: public opinion, public policy, mass media, poll, sampling error. Maxwell, Liza. Roman Emperors Through History. A checking account is a highly liquid transaction account held at a financial institution that allows deposits and withdrawals. Do total debits equal total credits? Here's Everything You Need To Know, Joint Account: What It Is, How It Works, Benefits, and Pitfalls, Federal Reserve Issues Final Rule to Repeal Regulation Q, Which Prohibited the Payment of Interest on Demand Deposits. Is money in a checking account called a demand deposit. The money is available "on-demand"hence, the name "demand deposit" for this sort of account. They are called demand deposits or checkable deposits, because the banking institution must give the deposit holder his money on demand when a check is written or a debit card is used. gwolf1121. Demand deposit accounts, which typically are offered by banks and credit unions, are in contrast to investment accounts offered by brokerages and financial services firms. For each account, include the account number, name, and balance. \text{105} & \text{Accts. Japan wanted to receive news from the United States Consumer spending. This figure is calculated at the end of the monthly billing cycle (up to the closing date) and printed on your bill. \hline \text { Workers employed } & 20 & 24 & 30 \\ limited time offer: get 20% off grade+ yearly subscription The most familiar type of term deposit account is the certificate of deposit (CD). d. People transfer money and pay bills electronically. k. Costs for accounting and tax services. Extend the appropriate amounts to the Balance Sheet section. Ideal for frequent or everyday needs. They may also charge various fees for handling the account. Demand deposits are used as money because they are accepted as a form of payment for goods and services. However, they might not be as on-demand as regular demand deposit accounts. 2006. A demand deposit is a bank account that allows you to withdraw funds at any time without having to notify the bank first. ", Federal Reserve Archival System for Economic Research. . \text{501} & \text{Advertising Expense} & \text{$1,940$} & \text{ }\\ Reg Q was repealed in 2011. When you visit the site, Dotdash Meredith and its partners may store or retrieve information on your browser, mostly in the form of cookies. They are available whenever the account holder wants them. It's what happens when you use a debit card. But they differ in terms of accessibility or liquidity, and in the amount of interest that can be earned on the deposited funds. Where do money market accounts (MMAs) fit into the equation? The statement balance is what is reflected in the statement. Deborah Johnstone \end{array} What is an important characteristic of the M1 money supply? Some banks may limit the per month withdrawals or other transactions (like transfers) on MMA accounts. Prepare a work sheet for the period ended May 31. Checking Account: Which Should You Open? 3. Since the deposits in the bank accounts can be withdrawn on demand, these deposits are called demand . How was the banking system reformed as part of recovery from the Great Depression? They are called demand deposits or checkable deposits because the banking institution must give the deposit holder his money "on demand" when a check is written or a debit card is used. Direct What geographic factors helped Britain industrialize. People save their money in banks by opening an account. \text{ } & \text{ } & \text{Debit} & \text{Credit}\\ You can learn more about the standards we follow in producing accurate, unbiased content in our. Demand deposit accounts (DDAs) allow funds to be withdrawn at any time from the financial institution. \text{515} & \text{Rent Expense} & \text{$3,500$} & \text{ }\\ This is the sum of all of a nation's demand deposits, plus all the currency in circulation. They are called demand deposits or checkable deposits because the banking institution must give the deposit holder his money "on demand" when a check is written or a debit card is used. Money. In this given Kocian, we have to discuss why are checking accounts called demand deposits checking accounts cold demand deposits Because the honor of the checking account can use checks. They are available whenever the account holder wants them. $$ \text{125} & \text{Camping Equipment} & \text{$6,130$} & \text{ }\\ The additional machines were purchased second-hand and some of them have proven to be unreliable. Demand deposits are liabilities because they are backed by the deposited money. The main drawback of DDAs is that they offer little or no interest in the money in them. Demand deposits include saving account deposits and current account deposits. These are the amounts held in checking accounts. Jamison, Matthew. Why are funds in checking accounts called demand deposits? Checking Account: A checking account is a deposit account held at a financial institution that allows withdrawals and deposits . A demand deposit consists of funds held in an account from which deposited funds can be withdrawn at any time from the depository institution. - Greg Mollaro} & \text{ } & \text{635}\\ DDAs are primarily checking accounts, but they can include savings accounts as well. Demand deposit accounts can have joint owners. A transaction deposit is a bank deposit that has immediate and full liquidity, with no delays or waiting periods. \hline & \textbf{ 2012 } & \textbf{ 2013 } & \textbf{ 2014 } \\ Pay. That interest is the second big thing distinguishing demand deposits from term deposits. home. . \hline \text { Number of machines used } & 10 & 12 & 15 \\ Money market accounts (MMAs) are a bit of a gray area: Some financial authorities classify them as DDAs, some don't. Johnstone, Deborah. Checkable deposits consist of any demand deposit account against which checks or drafts of any kind may be written. Demand deposits are deposits that are held by a bank for use in the future. Two. \text{305} & \text{Ronald Hicks, Withdrawals} & \text{1,200} & \text{ }\\ Bank deposits are money placed into a deposit account at a banking institution, such as savings accounts, checking accounts and money market accounts. Why are funds in checking accounts called demand deposits? What Caused the Roman Empire to Collapse? These are called demand deposits as it is very liquid and can be used for purchase of goods and services immediately. List all of the accounts in the Account Name and Trial Balance sections. anything that serves as a medium of exchange, a unit of account, and a store of value. \text{301} & \text{Ronald Hicks, Capital} & \text{ } & \text{$12,760$}\\ How does a bank make most of its profit on its business? The depositor will typically use demand deposit funds to pay for everyday expenses . Write a sentence explaining its significance to citizenship and the family. Offered by banks and credit unions, demand deposit accounts allow you to deposit to and withdraw funds immediately, whenever you want"on-demand," in effect. Which of the following has contributed to a recent banking crisis? The checking account may earn only zero or minimal interest since demand deposit accounts involve minimal risk. Why are funds in checking accounts called demand deposits? . Your credit card balance, also called your current balance, is the total that you owe today. Only some deposits must be paid on demand. Many banks got around that rule via negotiable order of withdrawal (NOW) accounts, checking accounts with a temporary holding period on funds, which allowed them to actually pay some interest. It would be hard to use money if you always had to use exact change. You buy the CD for a set term or time perioda certain number of months or yearsand you generally don't touch it until the term is up. They let account-holders deposit and withdraw funds on demand and they typically pay market interest rates (it fluctuates). Such an account lets you withdraw funds without having to give the financial institution any advance notice. The payment of interest and the amount of interest on the DDA are up to the individual institution. This compares to $1.4 trillion five years ago and $733 billion 10 years ago. \text{115} & \text{Office Supplies} & \text{847} & \text{ }\\ These are the amounts held in checking accounts. The acronym DDA stands for "demand deposit account," indicating that funds in the account (usually a checking or regular savings account) are available for immediate useon-demand, so to speak. It offers the greatest liquidity, allowing cash to be withdrawn at any time. Term deposits offer interest rates that are generally higher DDAsmuch closer to prevailing market rates. They're a hybrid. Demand deposits are those that are made into checking accounts in order to meet the bank's need for funds. Her expertise covers a wide range of accounting, corporate finance, taxes, lending, and personal finance areas. \text{101} & \text{Cash in Bank} & \text{$\$ 5,814$} & \text{ }\\ Yes, checking accounts are commonly called demand deposits because you can withdraw cash from them as needed. Why would commodity money be hard to use in most societies? OC. Savings Account vs. Roth IRA: Whats the Difference? If we could not carry money with us, it would be hard to use. Why Are Funds In Checking Accounts Called Demand Deposits? The Small Customer Group, including residential customers, can expect a 20% hike in the PSNH all-in default service rate. ", Federal Reserve System. So monthly rent, bills, groceries, and fun money are often covered . Write the heading on the work sheet. VIDEO ANSWER:Why are checking accounts called demand deposits? - Adventure Equipment Inc.} & \text{ } & \text{$\$ 1,680$}\\ - Digital Tech Computers} & \text{ } & \text{$3,554$}\\ _________ is a simplified language used by people who speak different languages. Demand deposit accounts are intended to provide ready moneythe funds people need to make a purchase or pay bills. - Polk and Co.} & \text{590} & \text{ }\\ The Difference Between Term Deposit vs. Demand Deposit, How Certificate of Deposit (CDs) Maturities Work, Top 9 Checking Accounts for US Expats Living Abroad, Money Market Account: How It Works and How It Differs From Other Bank Accounts, What Is a Checking Account? What is an important characteristic of the M1 money supply? Accounts falling below the minimum value typically are assessed a fee each time the balance drops below the required value. Why is divisibility an important characteristic of money? The account holder simply walks up to the teller or the ATMor, increasingly, goes onlineand withdraws the sum they need; as long as the account has that amount, the institution has to give it to them. Why is portability an important characteristic of money? Demand deposit accounts (DDAs) may have joint owners. Convert the farms in the account into currency on demand. Japan was considering expanding its trading relationships. What is the difference between how simple and compound interest are paid? View the full answer. "DDA" can also mean direct debit authorization, which is a withdrawal from an account for purchasing a good or service. Demand deposits provide funds for daily expenses and purchases. DDAs usually take the form of checking or savings accounts. \text{120} & \text{Office Equipment} & \text{$4,360$} & \text{ }\\ A demand deposit account (DDA) is a bank account from which deposited funds can be withdrawn at any time, without advance notice. People also have the provision to withdraw the money as and when they require. The two main differences between demand deposit and time deposit (or term deposit) accounts are how easily you can access the money in the account and how much interest the account earns.Demand deposit accounts allow you to withdraw money from the account "on demand " at any time. They are available whenever the account holder wants them, Claudia Bienias Gilbertson, Debra Gentene, Mark W Lehman, Alexander Holmes, Barbara Illowsky, Susan Dean, Don Herrmann, J. David Spiceland, Wayne Thomas, Choose the word or words that best complete the sentence. \text{ } & \text{ } & \text{Balances} & \text{Balances}\\ Once upon a time, banks could not pay interest on certain demand deposit accounts. If not, find and correct the problem before continuing. Suppose the economy is experiencing a high rate of inflation. Advertisement. (i) Banks accept the deposits and also pay an interest rate on the deposits. Investopedia requires writers to use primary sources to support their work. A consumer DDA is a demand deposit account. We also reference original research from other reputable publishers where appropriate. These demand deposit accounts or DDA are bank accounts through which deposits can be withdrawn anytime without any advance notice to the bank. , Why are funds in checking accounts called demand deposits? representative money can be converted into silver or gold; fiat money cannot. Wiki User. c. They go down in value when demand for them decreases. 5. The deposits in the bank accounts can be withdrawn on demand so these deposits are called demand deposits. Falling profitability may make it difficult to raise the capital needed for any technological improvements in the factory - but, without these, profits could fall even further. 2. These include white papers, government data, original reporting, and interviews with industry experts. A transaction account, also called a checking account, chequing account, current account, demand deposit account, or share draft account at credit unions, is a deposit account held at a bank or other financial institution. He has collected the following data from factory records. However, many banks now offer no monthly fees and no minimum balances. 8. Demand deposits consist of funds the account holder can access right away, such as checking account funds. Publishing, 1951. Somer G. Anderson is CPA, doctor of accounting, and an accounting and finance professor who has been working in the accounting and finance industries for more than 20 years. Explain **two** possible reasons for the change in labour productivity over the three years. Fees may apply if the limit is exceeded. Barriston, Josh. 4. DDA can also stand for "direct debit authorization," meaning a transaction, such as a transfer, cash withdrawal, bill payment, or purchase, which has immediately subtracted money from the account. Basically, a DDA allows funds to be accessed anytime, while a term deposit accountalso known as a time deposit accountrestricts access to funds for a predetermined period. Liza Maxwell, what were the CAUSES and CONSEQUENCES of the decline of mughal empire(please give a good answer long with causes and consequences), Why did the Japanese government accept the letter Perry brought from President Fillmore in 1853? She holds a Bachelor of Science in Finance degree from Bridgewater State University and has worked on print content for business owners, national brands, and major publications. Let's go through problem forth from money and banking. Best Answer. The type of DDA you're probably most familiar with is a checking account. Although the marketing department admits that the higher quality of Westlife's jeans allows higher prices to be charged, the lack of cost competitiveness is cutting into profits. \hline \text { Total output of jeans } & 50000 & 55000 & 60000 \\ 4. Demand Deposit: A demand deposit consists of funds held in an account from which deposited funds can be withdrawn at any time from the depository institution, such as a checking or savings account . Copy. The time deposit pays more, in compensation for its lack of liquidity. \end{array} The operations manager at Westlife Jeans Ltd is concerned about the declining rate of productivity in the factory. - Helen Katz} & \text{717} & \text{ }\\ The fact that money can withstand the wear and tear that comes from being used over and over again is a measure of its, Divisibility means that money can be easily divided into, The difference between representative money and fiat money is that. A joint account is a bank or brokerage account shared between two or more individuals. Interest paid may vary based on the financial provider. It sits in a special account, earning interest at a fixed rate. $$ Advertisement. Total and rule the Income Statement and Balance Sheet sections. A demand deposit account and a term deposit account are both types of financial accounts offered by banks and credit unions. When a person wants to buy something, they deposit their demand deposit in a bank. Get the detailed answer: why are funds in checking accounts called demand deposits OneClass: why are funds in checking accounts called demand deposits LIMITED TIME OFFER: GET 20% OFF GRADE+ YEARLY SUBSCRIPTION Certificate of Deposit (CD) vs. Pay. Savings account. What is the probability that a $2 lottery ticket wins the Powerball lottery? Why Are Funds In Checking Accounts Called Demand Deposits? The End of the Roman Empire. Money Market Fund vs. MMA vs. Savings Account: Whats the Difference? \text{525} & \text{Utilities Expense} & \text{$2,164$} & \text{ }\\ Economics of the Roman Empire. 1. an institution for receiving, keeping, and lending money, a bank chartered by the federal government, a widespread panic in which many people try to redeem their paper money at the same time, a paper currency issued during the Civil War, a monetary system in which paper money and coins had the value of certain amounts of gold, a bank that can lend to other banks in time of need, a bank that belongs to the Federal Reserve System, the seizure of property from borrowers who are unable to repay their loans, wanted a centralized banking system; Alexander Hamilton, favored a decentralized banking system; Thomas Jefferson, gave the federal government the power to issue a national currency, insured customer deposits if bank failed; insured up to $100,000, anything that serves as a medium of exchange, a unit of account, and a store of value, anything that is used to determine value during the exchange of goods and services, the direct exchange of one set of goods or services for another, a means for comparing the values of goods and services, something that keeps its value if it is stored, rather than spent, objects that have value in and out of themselves and that are also used as money, objects that have value because the holder can exchange them for something else of value, coined money, usually gold or silver, used to back paper money, objects that have value because a government has decreed that they're an acceptable means to pay debts, all the money available in the US economy, the ability to be used as, or directly converted into cash, money in a checking account that can be paid out "On demand" or at any time, a fund that pools money from small savers to purchase short-term government and corporate securities, a banking system that keeps only a fraction of its funds on hand and lends out the remainder, a specific type of loan that is used to buy real estate, a card entitling its owner to buy goods and services based on the owner's promise to pay for those goods and services at a later time, the price paid for the use of borrowed money, a card used to withdraw money from a bank account, a person institution to whom money is owed, the fact that money can withstand the wear and tear that comes from being used over and over again, money can be easily divided into smaller units of value, two units of the same type of money must be the same in terms of what they will buy, What the US dominated during the Free Banking Era. Expert Answer. Demand deposits refer to deposits that are made into the various types of demand deposit accounts or DDA. New workers have been employed and put into the production department with training. In general, most people use their DDAs to pay for items regularly. A. Creole B. Pidgin C. Lingua franca D. Translation. Rec. This site is using cookies under cookie policy . simple interest: on principal only; compound interest: on both principal and interest. The ending balances in the general ledger accounts of Wilderness Rentals for the period ended May 31 follow. \begin{array}{|l|c|c|c|} 7. Money market account is an interest-bearing account at a bank or credit union, not to be confused with a money market mutual fund. Which type of deposits can be classified as demand deposits? 1832. A demand deposit is the most accessible type of bank account, but it pays the least amount of interest and may come with fees. You can withdraw the funds in form of the cash or to pay for something (using a debit card or online transfer) at any time, without giving the bank notice or incurring a penalty, or paying fees. Total and rule the Trial Balance section. 2. \text{203} & \text{Accts. Students also viewed. As of May 2022, the total amount of demand deposit accounts in the U.S.officially, the total demand deposits component of M1was $4.98 trillion. \text{505} & \text{Maintenance Expense} & \text{$1,083$} & \text{ }\\ Which type of money has no value of its own but is valuable because it can be exchanged for something else of value? Examine these citations for hypothetical books about the Roman Empire: This is different from your statement balance. Checking account. As chair of the Federal Reserve Board, what actions would you take to put the economy back on track? A checking account is one of the most common types of demand deposits. Also called demand accounts or transactional accounts, checking . 100% (1 rating) Answer) Checking accounts are considered a liability to the bank be . demand deposits (checking accounts) liabilities of . For funds in the account, the bank or financial institution may pay either a low or zero interest rate on the deposit. A demand deposit account (DDA) is a type of bank account that allows you to access your money on demand and without advance notice. Banks accept the deposits and also pay an interest rate on the deposits. \text{205} & \text{Accts. Identify the permanent accounts on the work sheet that have normal debit balances. Pay. The financial institution can't require advance notice or charge a fee for letting you access the funds. This is often done in order to help ease the load on the bank's coffers during a slow period or during a time of financial emergency. Some banks create minimum balances for demand deposit accounts. OA. 6. They go up in value as demand for them increases. The key requirements of DDAs are no limitations on withdrawals or transfers, no set maturity or lockup period, funds accessible on-demand, and no eligibility requirements. by paying out less in interest on deposits than it earns in interest on loans. The bank then uses the demand deposit as a form of currency to buy the good or service. Demand deposit accounts pay little or no interestthe trade-off for the funds being so readily available. Funds cannot be withdrawn from a term deposit account until the end of that term without incurring a financial penalty, and withdrawals often require written notice in advance. That's the price you pay for the funds being readily available. What is meant by demand deposits quizlet? This is often done in order to help ease the load on the banks coffers during a slow period or during a time of financial emergency. Oxford Press, Which author wrote the only book published in the 18th century? In contrast, time deposits or term deposits are locked for a certain period of time, such as certificates of deposit (CDs). . That's basically the trade-off: In return for the ability to access your funds on demand, your money earns less in a DDA. \text{201} & \text{Accts. 1. It's a measure of the most liquid types of money in the money supply. \text{310} & \text{Income Summary} & \text{\_\_\_} & \text{\_\_\_}\\ "Money Stock Measures - H.6 Release. They are available whenever the account holder wants them. Martin Publishing, \hline b. Economics Chapter 10 Sec 1-2. "Demand Deposits: Total. The largest source of income for banks is, Fundamentals of Financial Management, Concise Edition, Claudia Bienias Gilbertson, Debra Gentene, Mark W Lehman, Donald E. Kieso, Jerry J. Weygandt, Terry D. Warfield, Daniel F Viele, David H Marshall, Wayne W McManus. James Chen, CMT is an expert trader, investment adviser, and global market strategist. The banking system was taken off the gold standard, high interest rates, bad loans, and fraud, a cooperative lending institution for a particular group. "Federal Reserve Issues Final Rule to Repeal Regulation Q, Which Prohibited the Payment of Interest on Demand Deposits.". Demand deposits make up most of a particular measure of the money supplyM1. 1721. insured customer deposits if bank failed; insured up to $100,000. Japan was impressed with the stature of the US president. He has authored books on technical analysis and foreign exchange trading published by John Wiley and Sons and served as a guest expert on CNBC, BloombergTV, Forbes, and Reuters among other financial media. Demand deposits are those that are made into checking accounts in order to meet the banks need for funds. From February 1, 2022, to July 31, 2022, the current 8.826 cents per kWh will rise to 10.669 cents per kWh.The Aspiration Account has early direct deposit and pays a high interest rate on account balances under $10,000. Extend the appropriate amounts to the Income Statement section. The account's holdings can be accessed at any time, without prior notice to the institution. The operations manager has been told to increase productivity within six months, as it is believed that the labour costs of Westlife Jeans' main competitor are $20 \%$ lower. Total the amount columns in the Income Statement and Balance Sheet sections. Identify whether each of the following costs of Granite Construction, Inc., would be classified as direct labor, direct materials, manufacturing overhead, or as selling, general, and administrative costs. Federal Reserve System. While the funds may be invested in highly liquid assets, the account holder still must notify the institution that they wish to withdraw money; depending on the asset in question, it may take a day or two for the investments to be sold and the cash to be available. A Checking account is also called a demand deposit , because the money can be withdrawn at any time - that is ," on demand. It is available to the account owner "on demand" and is available for frequent and immediate access by the account owner or to others as the account owner may direct. Enter the amount of net income or net loss in the appropriate columns in the Income Statement and Balance Sheet sections. What is an important characteristic of the M1 money supply? Either owner may deposit or withdraw funds and sign checks without permission from the other owner. Japan appreciated that the letter had been written in Japanese. Which of the following is an example of representative money? They are available whenever the account holder wants them. 20 terms . Demand deposit is a type of checking account that allows customers to hold money until they need it. For example, the Federal Reserve Board's Regulation Q (Req Q) enacted in 1933, specifically prohibited banks from paying interest on checking account deposits. $$ In this way people's money is safe with the banks and it earns an interest. A demand deposit is money deposited into a bank account with funds that can be withdrawn on-demand at any time. $$ You can find out more about our use, change your default settings, and withdraw your consent at any time with effect for the future by visiting Cookies Settings, which can also be found in the footer of the site. But it's fundamentally the same concept: The money is immediately available, drawn on the linked account, for your use. 3. Still, DDAs tend to pay relatively low-interest rates (on savings accounts) no interest at all (as is often the case with checking accounts, Reg Q's repeal notwithstanding). Why are funds in checking accounts called demand deposits? B. Matthew Jamison Free Press Publishing, DDA accounts can pay interest on the deposited funds but arent required to. \text{401} & \text{Equipment Rental Revenue} & \text{ } & \text{9,716}\\ You can specify conditions of storing and accessing cookies in your browser, Why are funds in checking accounts called demand products. In other words, the funds are available when they whenever the account holder wants them. . In this way people's money is safe with the banks and it earns an interest. what were the main goals of the united states? Money market account. See answer. Two units of the same type of money must be the same in terms of what they will buy, which is the principle of. Checking accounts and savings accounts are common types of DDAs. The most common types of demand deposits are checking, savings, and money market accounts. They offer the utmost convenience for getting cash or transferring funds to another account or another party. a. Josh Barriston Both owners must sign when opening the account, but only one owner must sign when closing the account. It is often not portable, durable, or divisible. Cookies collect information about your preferences and your devices and are used to make the site work as you expect it to, to understand how you interact with the site, and to show advertisements that are targeted to your interests. A checking account is one of the most common types of demand deposits. With demand deposit accounts, the funds are always readily available. OD. September 29, 2022 by Editorial Team. This is right out the book this is right. If depositors were required to notify their banks in advance before withdrawing funds, it would be quite a challenge to obtain cash or make mundane transactions. \begin{array}{llll} Suzanne is a researcher, writer, and fact-checker. \text{110} & \text{Accts. Each worker is paid $\$ 3000$ per year and this has not changed for three years. So if I go into my bank and to make a withdrawal out of my . 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