{"id":10666,"date":"2025-12-27T14:06:53","date_gmt":"2025-12-27T18:06:53","guid":{"rendered":"https:\/\/kerryhannon.com\/?p=10666"},"modified":"2025-12-27T14:09:35","modified_gmt":"2025-12-27T18:09:35","slug":"here-are-the-top-changes-for-retirement-savers-and-retirees-in-2026","status":"publish","type":"post","link":"https:\/\/kerryhannon.com\/?p=10666","title":{"rendered":"Here are the top changes for retirement savers and retirees in 2026"},"content":{"rendered":"<div class=\"byline yf-o43a56\">\n<div class=\"byline-attr yf-o43a56\">\n<div class=\"byline-attr-logo yf-o43a56\">The new year will usher in myriad retirement-related changes for both savers and retirees.<\/div>\n<\/div>\n<\/div>\n<div class=\"body-wrap yf-tt7to2\">\n<div class=\"body yf-v6n2s3\" data-testid=\"article-body\">\n<div class=\"bodyItems-wrapper\">\n<p class=\"yf-7hmkaz\">Here\u2019s a roundup of the top retirement-related changes for 2026.<\/p>\n<h2 id=\"retirement-account-contribution-limits\" class=\"header-scroll yf-1u6g9f6\"><strong>Retirement account contribution limits<\/strong><\/h2>\n<p class=\"yf-7hmkaz\">The amount you can squirrel away for your golden years will inch up modestly. The contribution limit on individual retirement accounts (IRAs) increases to $7,500, and the catch\u2011up contribution limit for people 50 and older goes to $1,100 for 2026.<\/p>\n<p class=\"yf-7hmkaz\">The limits apply to both traditional and Roth IRAs, though Roth IRA eligibility depends on income levels. For Roth IRAs the income limit range for contributing will increase slightly to between $153,000 and $168,000 for singles and heads of household. For married couples filing jointly, the range increases to between $242,000 and $252,000.<\/p>\n<p class=\"yf-7hmkaz\">For 2026, you\u2019ll be able to add a tad more to your 401(k), 403(b), 457 plans, and the federal government&#8217;s Thrift Savings Plan. The contribution limit increases to $24,500, up from $23,500. There is an $8,000 catch-up if you\u2019re 50 or older.<\/p>\n<p class=\"yf-7hmkaz\">Folks who are 60 to 63 can contribute an additional $11,250 in 2026 in lieu of the $8,000, if your plan allows.<\/p>\n<p class=\"yf-7hmkaz\">One caveat: In 2026, a provision in the Secure 2.0 retirement legislation kicks in that mandates higher earners who are 50 and older and earn more than $150,000 make catch-up contributions on an after-tax basis in a Roth option in their employer-sponsored retirement plans.<\/p>\n<p class=\"yf-7hmkaz\">If your employer\u2019s plan doesn\u2019t offer a Roth 401(k) account, one solution: Contribute your catch-up amount to a Roth IRA if your income is below the IRS income threshold.<\/p>\n<p><a href=\"https:\/\/finance.yahoo.com\/news\/whats-changing-for-retirement-savers-and-retirees-in-2026-143051554.html\"><em><strong>Read on Yahoo Finance<\/strong><\/em><\/a><\/p>\n<h2 class=\"yf-7hmkaz\"><strong>Health savings accounts<\/strong><\/h2>\n<p class=\"yf-7hmkaz\">Contribution limits to health savings accounts or HSAs \u2014 a key retirement tool \u2014 are also increasing.<\/p>\n<p class=\"yf-7hmkaz\">The new 2026 annual limit for individuals will be $4,400. For family coverage, the HSA contribution limit rises to $8,750, with an additional $1,000 catch-up contribution for those 55 or older.<\/p>\n<p class=\"yf-7hmkaz\">I\u2019m a fan of these accounts for those who can invest the contribution rather than use it for current medical bills. You put money in on a tax-free basis, it builds up tax-free, and it comes out tax-free for qualified healthcare expenses. One rule: You must be enrolled in a high-deductible healthcare plan (HDHP) in order to contribute to an HSA. You can also open an account as a self-employed freelancer or business owner if you have a qualified HDHP.<\/p>\n<h2 class=\"yf-7hmkaz\"><strong>Social Security benefits<\/strong><\/h2>\n<p class=\"yf-7hmkaz\">The Social Security Administration announced a 2.8% cost-of-living adjustment (COLA) for 2026. Starting in January, the increase will add an average of $56 per month for 75 million retired seniors and disabled workers who have struggled with higher prices this year.<\/p>\n<h2 class=\"yf-7hmkaz\"><strong>Medicare premiums<\/strong><\/h2>\n<\/div>\n<div class=\"read-more-wrapper\" data-testid=\"read-more\">\n<p class=\"yf-7hmkaz\">Medicare premiums are also<a class=\"link yahoo-link\" href=\"https:\/\/finance.yahoo.com\/news\/medicare-premium-hike-will-cut-into-2026-social-security-checks-192447073.html\" data-i13n=\"cpos:4;pos:1\" data-ylk=\"slk:jumping up;cpos:4;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-rapid_p=\"12\" data-v9y=\"1\">\u00a0jumping up<\/a>\u00a0in 2026, putting a damper on that increase in retirees&#8217; Social Security checks.<\/p>\n<p class=\"yf-7hmkaz\">The Centers for Medicare &amp; Medicaid Services announced that 2026 monthly Part B premiums will climb to $202.90, an increase of $17.90 this year. And the annual Part B deductible, which most people must pay before their Medicare coverage begins, will rise by $26 in 2026, to $283.<\/p>\n<p class=\"yf-7hmkaz\">The agency also announced other 2026 Medicare cost increases, including high-income surcharges. Since 2007, a beneficiary\u2019s Part B monthly premium has been based on his or her income. About 8% of Medicare users earn too much to qualify for the standard Part B and Part D premiums and must pay the surcharges.<\/p>\n<p class=\"yf-7hmkaz\">In 2026, Medicare beneficiaries with an income exceeding $109,000 for single filers and $218,000 for joint filers will pay the surcharge. For these beneficiaries, total monthly Part B premiums will range from $284.10 to $689.90.<\/p>\n<p class=\"yf-7hmkaz\">Calculations have a two-year lag time. Whether you pay a surcharge in 2026 depends on the income shown on your 2024 tax returns.<\/p>\n<h2 id=\"medicare-advantage-changes\" class=\"header-scroll yf-1u6g9f6\"><strong>Medicare Advantage changes<\/strong><\/h2>\n<p class=\"yf-7hmkaz\">For 2026, some Medicare Advantage insurers are dumping plans, hospital systems, and doctors, scaling down benefits and raising out-of-pocket costs, including deductibles.<\/p>\n<p class=\"yf-7hmkaz\">Medicare\u2019s online searchable<a class=\"link \" href=\"https:\/\/www.medicare.gov\/plan-compare\/#\/?year=2023&amp;lang=en\" target=\"_blank\" rel=\"nofollow noopener\" data-i13n=\"cpos:5;pos:1\" data-ylk=\"slk:Plan Finder;cpos:5;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"13\" data-v9y=\"1\">\u00a0Plan Finder<\/a> on the Medicare.gov site allows you to review Medicare Advantage plan options, details about supplemental benefits, and the names of doctors and hospitals in the plans\u2019 networks.<\/p>\n<p class=\"yf-7hmkaz\">If you start the year and discover you are unhappy with your Medicare Advantage plan, you can make a switch. Medicare Advantage open enrollment runs from Jan. 1 until March 31.<\/p>\n<p class=\"yf-7hmkaz\">During that time, Medicare Advantage enrollees can switch plans or transfer to original Medicare. You cannot, however, jump from a traditional Medicare plan to a Medicare Advantage one. You\u2019ll have to wait for the fall enrollment period for that.<\/p>\n<h2 id=\"medicare-negotiated-prescription-drugs\" class=\"header-scroll yf-1u6g9f6\"><strong>Medicare-negotiated prescription drugs<\/strong><\/h2>\n<p class=\"yf-7hmkaz\">Here\u2019s some good news: Out-of-pocket costs for the first 10 Medicare-negotiated prescription drugs will fall by an average of more than 50% for people in standalone Part D plans when the negotiated prices take effect on Jan. 1. The drugs are used by nearly 9 million Medicare seniors and treat conditions including diabetes, heart disease, autoimmune disorders, and cancer.<\/p>\n<h2 class=\"yf-7hmkaz\"><strong>Potential Social Security office closures<\/strong><\/h2>\n<p class=\"yf-7hmkaz\">In the coming year, the Social Security Administration is\u00a0<a class=\"link \" href=\"https:\/\/apnews.com\/article\/social-security-trump-administration-retirement-a94ced488f2e052a5d9df39021701195\" target=\"_blank\" rel=\"nofollow noopener\" data-i13n=\"cpos:7;pos:1\" data-ylk=\"slk:reportedly planning to close;cpos:7;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"15\" data-v9y=\"1\">reportedly planning to close<\/a>\u00a0droves of field offices, which provide in-person help to folks applying for benefits, getting their Social Security cards, and more.<\/p>\n<p class=\"yf-7hmkaz\">Keep in mind that you can access many SSA services online if you have a\u00a0<a class=\"link \" href=\"https:\/\/www.ssa.gov\/myaccount\/\" target=\"_blank\" rel=\"nofollow noopener\" data-i13n=\"cpos:8;pos:1\" data-ylk=\"slk:My Social Security;cpos:8;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"16\" data-v9y=\"1\">My Social Security\u00a0<\/a>account. You can also call 1-800-772-1213, which connects you with automated services.<\/p>\n<h2 class=\"yf-7hmkaz\"><strong>Have you reached your full retirement age?<\/strong><\/h2>\n<p class=\"yf-7hmkaz\">In 2026, full retirement age (FRA) goes up again. In November 2025, the FRA \u2014 the age at which you qualify to receive 100% of your Social Security benefits \u2014 increased to 66 years and 10 months for those born in 1959. Next November, the FRA will reach 67 for those born in 1960 or later, marking the end of the 42-year-long shift in raising the retirement age from 65 to 67.<\/p>\n<p class=\"yf-7hmkaz\">You can start collecting retirement benefits before your FRA, <a class=\"link yahoo-link\" href=\"https:\/\/finance.yahoo.com\/news\/do-whats-right-for-you-what-readers-say-about-taking-social-security-at-62-140051572.html\" data-i13n=\"cpos:9;pos:1\" data-ylk=\"slk:at age 62,;cpos:9;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-rapid_p=\"17\" data-v9y=\"1\">at age 62,<\/a> but your monthly check will be permanently reduced by as much as 30%. If you can delay tapping your benefits from your FRA until age 70, you\u2019ll earn delayed retirement credits. Those come to roughly an 8% annual increase in your benefit for each year until you hit 70. The credits stop accruing at that point, but the heftier checks remain for the rest of your life.<\/p>\n<h2 class=\"yf-7hmkaz\"><strong>Social Security and your earnings<\/strong><\/h2>\n<p class=\"yf-7hmkaz\">The wage cap subject to\u00a0<a class=\"link \" href=\"https:\/\/www.ssa.gov\/cola\/#:~:text=The%20maximum%20amount%20of%20earnings,older%20for%20the%20entire%20year.\" target=\"_blank\" rel=\"nofollow noopener\" data-i13n=\"cpos:11;pos:1\" data-ylk=\"slk:Social Security tax;cpos:11;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"23\" data-v9y=\"1\">Social Security tax\u00a0<\/a>goes up to $184,500 from the 2025 limit of $176,100, meaning higher earners will pay Social Security tax on more income.<\/p>\n<p class=\"yf-7hmkaz\">For those\u00a0<a class=\"link yahoo-link\" href=\"https:\/\/finance.yahoo.com\/news\/working-while-collecting-social-security-the-slow-fade-to-retirement-more-people-are-choosing-143051347.html\" data-i13n=\"cpos:12;pos:1\" data-ylk=\"slk:working while collecting Social Security;cpos:12;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-rapid_p=\"24\" data-v9y=\"1\">working while collecting Social Security<\/a>, there is a modest increase in the income level where benefits are withheld temporarily.<\/p>\n<p class=\"yf-7hmkaz\">If you continue to work after claiming Social Security benefits before your FRA, a portion of your benefits is withheld if you earn over a certain threshold. That threshold is $24,480 in 2026, up from $23,400 in 2025.<\/p>\n<p class=\"yf-7hmkaz\">In the year you hit full retirement age, that limit increases threefold, and in the month you hit full retirement age, the annual earnings test ends. From that point on, you can earn without your benefits being curbed, and while you don\u2019t get the amount you forfeited previously in a lump sum, your monthly benefit is adjusted upward so you will recoup all the money that was withheld. Use this<a class=\"link \" href=\"https:\/\/www.ssa.gov\/OACT\/COLA\/RTeffect.html\" target=\"_blank\" rel=\"nofollow noopener\" data-i13n=\"cpos:13;pos:1\" data-ylk=\"slk:calculator;cpos:13;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"25\" data-v9y=\"1\">\u00a0calculator\u00a0<\/a>on the SSA website to walk through the calculation.<\/p>\n<p class=\"yf-7hmkaz\"><a class=\"link \" href=\"mailto:%20kerry.hannon@yahooinc.com\" data-i13n=\"cpos:14;pos:1\" data-ylk=\"slk:Have a question about retirement? Personal finances? Anything career-related? Click here to drop Kerry Hannon a note.;cpos:14;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"26\" data-v9y=\"1\"><strong><em>Have a question about retirement? Personal finances? Anything career-related? Click here to drop Kerry Hannon a note.<\/em><\/strong><\/a><\/p>\n<h2 id=\"special-senior-deduction\" class=\"header-scroll yf-1u6g9f6\"><strong>Special senior deduction<\/strong><\/h2>\n<p class=\"yf-7hmkaz\">A new provision under the One Big Beautiful Bill Act: If you\u2019re 65 or older, you will be able to take advantage of a temporary $6,000\u00a0<a class=\"link \" href=\"https:\/\/www.irs.gov\/newsroom\/one-big-beautiful-bill-act-tax-deductions-for-working-americans-and-seniors\" target=\"_blank\" rel=\"nofollow noopener\" data-i13n=\"cpos:15;pos:1\" data-ylk=\"slk:deduction;cpos:15;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"27\" data-v9y=\"1\">deduction\u00a0<\/a>on your income taxes. The deduction will be available to both itemizers and non-itemizers, and it doubles to $12,000 for married couples filing jointly, assuming both partners are 65.<\/p>\n<p class=\"yf-7hmkaz\">One caveat: For higher-income seniors, income limits apply. The deduction is reduced for single filers with incomes of more than $75,000 and married couples filing jointly with income over $150,000, eventually phasing out.<\/p>\n<p class=\"yf-7hmkaz\">For non-itemizers, this extra deduction is in addition to the standard deductions: $16,100 for single filers and $32,200 for married couples filing jointly.<\/p>\n<div class=\"byline-attr-logo yf-o43a56\"><a class=\"primary-link fin-size-small yf-119g04z\" href=\"https:\/\/finance.yahoo.com\/author\/kerry-hannon\" target=\"_self\" data-ylk=\"elm:author;elmt:link;itc:0;slk:Kerry%20Hannon;sec:content-canvas\" data-rapid_p=\"2\" data-v9y=\"1\"><img decoding=\"async\" class=\"byline-attr-logo-img yf-o43a56\" src=\"https:\/\/s.yimg.com\/ny\/api\/res\/1.2\/rmVzdumEqNVj03M5WziCpA--\/YXBwaWQ9aGlnaGxhbmRlcjt3PTgwO2g9ODA7Y2Y9d2VicA--\/https:\/\/o.aolcdn.com\/images\/dims?image_uri=https%3A%2F%2Fo.aolcdn.com%2Fimages%2Fdims%3Fimage_uri%3Dhttps%253A%252F%252Fo.aolcdn.com%252Fimages%252Fdims%253Fimage_uri%253Dhttps%25253A%25252F%25252Fo.aolcdn.com%25252Fimages%25252Fdims%25253Fimage_uri%25253Dhttps%2525253A%2525252F%2525252Fs.yimg.com%2525252Fos%2525252Fcreatr-uploaded-images%2525252F2023-07%2525252F41712030-1c23-11ee-bcf7-7d286db2677e%252526compress%25253D1%252526progressive%25253D1%252526quality%25253D75%252526client%25253Dhawkeye%252526signature%25253D1de715733bdefcb02d735079f8145447d5b31ff0%2526compress%253D1%2526progressive%253D1%2526quality%253D75%2526client%253Dhawkeye%2526signature%253D850fb3720e7261df724b58ed79f7f65a79a681be%26compress%3D1%26progressive%3D1%26quality%3D75%26client%3Dhawkeye%26signature%3D4f2b35afece555fd336b1d5801a4fe34b86903bf&amp;compress=1&amp;progressive=1&amp;quality=75&amp;client=hawkeye&amp;signature=a5075ca77bffbb522c38a04e6704e3941da848c2\" alt=\"Kerry Hannon\" \/><\/a><\/div>\n<div>\n<div class=\"byline-attr-author yf-o43a56\"><a class=\"primary-link fin-size-large noUnderline yf-119g04z\" href=\"https:\/\/finance.yahoo.com\/author\/kerry-hannon\" target=\"_self\" data-ylk=\"elm:author;elmt:link;itc:0;slk:Kerry%20Hannon;sec:content-canvas\" data-rapid_p=\"3\" data-v9y=\"1\">Kerry Hannon<\/a>\u00a0<span class=\"byline-attr-meta-separator yf-o43a56\" data-svelte-h=\"svelte-1yy7aps\">\u00b7<\/span>\u00a0Senior Columnist<\/div>\n<\/div>\n<p class=\"yf-7hmkaz\"><em>Kerry Hannon is a Senior Columnist at Yahoo Finance. She is a career and retirement strategist and the author of 14 books, including &#8220;<\/em><a class=\"link \" href=\"https:\/\/www.hachettebookgroup.com\/titles\/kerry-hannon\/retirement-bites\/9781541705845\/?lens=publicaffairs\" target=\"_blank\" rel=\"nofollow noopener\" data-i13n=\"cpos:16;pos:1\" data-ylk=\"slk:Retirement Bites: A Gen X Guide to Securing Your Financial Future,;cpos:16;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"28\" data-v9y=\"1\"><em>Retirement Bites: A Gen X Guide to Securing Your Financial Future,<\/em><\/a><em>&#8221; &#8220;<\/em><a class=\"link \" href=\"https:\/\/kerryhannon.com\/?page_id=9253\" target=\"_blank\" rel=\"nofollow noopener\" data-i13n=\"cpos:17;pos:1\" data-ylk=\"slk:In Control at 50+: How to Succeed in the New World of Work;cpos:17;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"29\" data-v9y=\"1\"><em>In Control at 50+: How to Succeed in the New World of Work<\/em><\/a><em>,&#8221; and &#8220;Never Too Old to Get Rich.&#8221; Follow her on\u00a0<\/em><a class=\"link \" href=\"https:\/\/bsky.app\/profile\/kerryhannon.bsky.social\" target=\"_blank\" rel=\"nofollow noopener\" data-i13n=\"cpos:18;pos:1\" data-ylk=\"slk:Bluesky;cpos:18;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"30\" data-v9y=\"1\"><em>Bluesky<\/em><\/a><em>\u00a0and\u00a0<\/em><a class=\"link \" href=\"https:\/\/x.com\/KerryHannon\" target=\"_blank\" rel=\"nofollow noopener\" data-i13n=\"cpos:19;pos:1\" data-ylk=\"slk:X;cpos:19;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"31\" data-v9y=\"1\"><em>X<\/em><\/a><em>.<\/em><\/p>\n<p class=\"yf-7hmkaz\"><a class=\"link \" href=\"https:\/\/preferences.newsletters.yahoo.net\/subscribe\/mindyourmoney\" target=\"_blank\" rel=\"nofollow noopener\" data-i13n=\"cpos:20;pos:1\" data-ylk=\"slk:Sign up for the Mind Your Money newsletter;cpos:20;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"32\" data-v9y=\"1\"><strong>Sign up for the Mind Your Money newsletter<\/strong><\/a><\/p>\n<p class=\"yf-7hmkaz\"><a class=\"link \" href=\"https:\/\/finance.yahoo.com\/topic\/personal-finance\" data-i13n=\"cpos:21;pos:1\" data-ylk=\"slk:Click here for the latest personal finance news to help you with investing, paying off debt, buying a home, retirement, and more;cpos:21;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"33\" data-v9y=\"1\"><strong>Click here for the latest personal finance news to help you with investing, paying off debt, buying a home, retirement, and more<\/strong><\/a><\/p>\n<p class=\"yf-7hmkaz\"><a class=\"link \" href=\"https:\/\/finance.yahoo.com\/news\/\" data-i13n=\"cpos:22;pos:1\" data-ylk=\"slk:Read the latest financial and business news from Yahoo;cpos:22;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"34\" data-v9y=\"1\"><strong>Read the latest financial and business news from Yahoo\u00a0<\/strong><\/a><a class=\"link \" href=\"https:\/\/finance.yahoo.com\/news\/\" data-i13n=\"cpos:23;pos:1\" data-ylk=\"slk:Finance;cpos:23;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"35\" data-v9y=\"1\"><strong>Finance<\/strong><\/a><\/p>\n<\/div>\n<div id=\"view-cmts-5610940e-6a14-4a4c-9ac2-02f9f20263e0\" class=\"view-cmts yf-h6xk9k\" data-testid=\"view-comments\">\n<div class=\"icon fin-icon inherit-icn sz-x-large yf-sv6wwp\" aria-hidden=\"true\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"padding-bottom:20px; padding-top:10px;\" class=\"hupso-share-buttons\"><!-- Hupso Share Buttons - http:\/\/www.hupso.com\/share\/ --><a class=\"hupso_toolbar\" href=\"http:\/\/www.hupso.com\/share\/\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/static.hupso.com\/share\/buttons\/share-small.png?w=640&#038;ssl=1\" style=\"border:0px; padding-top:5px; float:left;\" alt=\"Share Button\"\/><\/a><script type=\"text\/javascript\">var hupso_services_t=new Array(\"Twitter\",\"Facebook\",\"Google Plus\",\"Pinterest\",\"Linkedin\",\"StumbleUpon\",\"Digg\",\"Reddit\",\"Bebo\",\"Delicious\");var hupso_background_t=\"#EAF4FF\";var hupso_border_t=\"#66CCFF\";var hupso_toolbar_size_t=\"small\";var hupso_image_folder_url = \"\";var hupso_url_t=\"\";var hupso_title_t=\"Here are the top changes for retirement savers and retirees in 2026\";<\/script><script type=\"text\/javascript\" src=\"https:\/\/static.hupso.com\/share\/js\/share_toolbar.js\"><\/script><!-- Hupso Share Buttons --><\/div>","protected":false},"excerpt":{"rendered":"<p>Here&#8217;s your round-up of changes in 2026 for retirees and retirement savers.<\/p>\n<div style=\"padding-bottom:20px; 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