2022 cola for maryland state retirees

COLA capped at 2.5 percent or 1 percent on the portion of your benefit earned on or after July 1, 2011. The County offers four Pension Plans. If you are an eligible retired State of Maryland Employee, the impact of the annual COLA increase on your benefit amount depends on your benefit system. *The COLA catch-up is in effect for retirees and beneficiaries whose benefit . Those retirees receive adjustments based on the \CKa&d8bscX={g)3"\K#e)5cIGOH 2ZE*/]g74zsQXE`HpvULT2[vLHsP9\AsriBUA)+i4 "q:mp\drC+# ],/6B9L A;,oucfd|r=m6X$^Na 6%J:%JuUXc-oR6-QdnmyDY,E @1e W0EP_. In order to qualify for the annual COLA, an individual must have been retired for a minimum of 1 year as of July 1, 2022. Larry Hogan unveiled the highlights of his proposed Fiscal Year 2022 budget Tuesday afternoon as the state continues to grapple with the effects of the COVID-19 pandemic. As of July 1, 2021, eligible State of Maryland Employees will receive an annual cost-of-living adjustment (COLA) of 1.234%. As a result of the Maryland Retirement Tax reduction Act, 80% of Marylands retirees will receive substantial relief or pay no state income taxes. April 12, 2022 By Rick Norman Based upon the consumer price index - all urban consumers (CPI-U) table, the July 1, 2022 COLA is calculated to be 4.698% Death Notification - Lieutenant (Ret) Neil Bechtol Celebration of Life : Sgt (Ret) Charles Ray Smiley Categories Deaths Events General Job Opportunities Retirements Recent News Filing a Long Term Disability Claim? This year, the COLA rate does not exceed any of the rate caps Here at the law firm of Andalman & Flynn, P.C., weve successfully helped hundreds of State of Maryland employees obtain disability retirement. Qualified military retires may subtract $5,000 from their Maryland gross income before determining their Maryland taxable income. The adjustment is tied to the u.s. December 31, compared to the CPI for the prior calendar Photo by Stephanie S. Cordle This is in addition to the COLAs previously agreed to for "non-represented employees," including an unspecified salary increment to be implemented in 2023. hotline in the past has helped to eliminate In Fiscal Year 2023, State regular employees who are otherwise eligible will receive an increment on July 1, 2022, or January 1, 2023, based on the employees entry-on-duty date. It is important to consult with your financial advisor to fully understand the financial implications of this legislation and make informed decisions about your retirement savings. The Maryland State Retirement Agency has announced the cost-of-living adjustment to be applied in July 2022. We are happy to answer any questions regarding your State of Maryland Disability Retirement. Annapolis, md governor larry hogan today announced that all employees across state government will. year. However, Maryland offers a pension exclusion for certain types of retirement income, including qualified defined benefit and defined contribution pension plans, 401(a) plans, 401(k) plans, 403(b) plans, and 457(b) plans. %PDF-1.6 % The state of Maryland on Monday announced an historic agreement with multiple state employee unions. a $29.8 million increase over FY 2022. Here are the law firm of Andalman & Flynn, P.C., weve successfully helped hundreds of State of Maryland employees obtain disability retirement. The firm represents individuals seekingdisability benefitsthroughout the country and practicesfamily lawthroughout Maryland and the District of Columbia. The adjustment is tied to the u.s. Effective January 1, 2022, all State regular and contractual employees will receive a 1% COLA. As a result, an eligible retired member with a maximum retirement benefit of $18,000 or more received a maximum increase of $45 per month beginning with the September 30, 2022 payment. : Founded in 1998 in downtown Silver Spring, Maryland, Andalman & Flynn has forged a distinguished reputation for legal excellence. The CPI for 2022 will increase by 5.94 percent. The COLA rate of 4.698% becomes effective July 1, 2022. Advances State Workforce Recruitment and Retention Efforts, announced a first-in-the-nation partnership, states surplus to state employees from last year, Charles County Public Schools Class of 2022 Graduation Rates Higher than State Average, Recapping the Top Stories of the Week: Feb. 25- Mar. The agreement includes tax relief for retirees 65 and older making up to $100,000 in retirement income, and married couples making up to $150,000 in retirement income. Please enable scripts and reload this page. The compound rate applies for eligible payees of all adjustment (COLA) takes effect. A retiree who has been retired at least one The credit is designed to help offset the tax burden on retired individuals and make it easier for them to maintain a comfortable standard of living in retirement. For most retirees, the COLA increase is applied to your current benefit amount. Effective November 1, 2022, all state employees will receive a 4.5% raise. . State Teachers' Retirement Plan Retirees will see an increase of 4.698 percent in their gross pension payment. Heres How to Protect Your Credit, Debunking the Myths About Divorce Mediation, Three Andalman & Flynn Attorneys Named as 2023 Super Lawyers, Support Peter Cascianos Team for Parkinsons Revolution. Pay attention to your paychecks in November and December. But Maryland Gov. Overall, after inheriting a $5.1 billion structural budget deficit, the governor will leave office with a record $5.5 billion in reserves, a more than $10 billion swing in the states fiscal fortunes under the Hogan administration. Despite the legislatures expressed preference that only certain state employees receive increases, the governor waited until official budget projections were released and took actions that reflected a more equitable approach for all state employees. That is the amount of Wall Street fees paid by the Maryland state pension plan for investment advice in fiscal 2021. The "4-Year" COLA is applied to the first $27,608. endstream endobj 139 0 obj <>stream Earlier this month, Hogan announced his framework for spending the state's $2.5 billion budget surplus for fiscal year 2021 by augmenting the state's rainy day fund, providing tax relief for retirees, expanding on the RELIEF Act of 2021 and releasing emergency allotments of SNAP benefits to eligible households. JavaScript is required to use content on this page. This pension exclusion is separate from the new Senior Tax Credit explained in this article. NRTA News . This years COLA rate for the fiscal year beginning July 1 is Social Security incomeis not taxed at the state level you do not have to pay Maryland state taxes on those benefits. For joint filers both 65 or older, the credit amount is $1,750. dashicons-youtube, Form ADV | Form CRS The University System of Maryland has not yet decided who will be "eligible" for the 4.5% raise. This field is for validation purposes and should be left unchanged. endstream endobj 140 0 obj <>stream The COLA adjustment may be capped for certain retirees depending on the COLA and underlying information used to calculate it. The chart below indicates what percent COLA increase a retiree will receive based on their employer contracted COLA Provision and their retirement year. adjustment (COLA) takes effect. However, not every retiree will be eligible to receive the full COLA increase. The new pay scales (Effective 11/01/2022) reflecting this change are available on our website here . Enhancements for State Employees Most employees will receive: - FY 22 - 1% COLA, 2 - 4% increment, $1,500 bonus . After inheriting a $5.1 billion structural budget deficit, the governor will leave the office with a record $5.5 billion reservesa more than $10 billion swing in the states fiscal fortunes under the Hogan administration. Maryland Families The Retirement Tax Reduction Act will phase-in the . DBM will provide funding in the DBM Allowance budget for any FY 2022 salary adjustment for COLA and/or SLEOLA . Larry Hogan discusses the RELIEF Act, last year's pandemic financial aid bill that combined stimulus payments, tax breaks and business aid, that was signed. The cost-of-living adjustment (COLA) for September 2022 through August 2023 benefit payments is 3%. State resources. The tax credit is available to individuals at least age 65 and receiving pension income from a qualified retirement plan, such as a defined benefit plan, 401(k) plan, or an Individual Retirement Account (IRA). These cookies do not store any personal information. Instead, it's a one-time bonus of 0.5 percent . Here are the days payments will be issued this year: 2022 pension payment schedule 2023 pension payment schedule Cost-of-Living Adjustment COLA A COLA is an adjustment to your monthly benefit after you retire. 3% COLA. The Dos and Donts to Help Safeguard Your Retirement Future Email: [emailprotected]. 1/1/2022 and after. Marylands progressive income tax rates range from 2% to 5.75%. The 8.7 percent cost-of-living adjustment (COLA) will begin with benefits payable to more than 65 million Social Security beneficiaries in January 2023. At the February meeting, the Retirement Board affirmed the actuary's calculation of a 3% cost of living adjustment (COLA) for the plan. Federal benefit rates increase when the cost-of-living rises, as measured by the Department of Labor's Consumer Price Index (CPI-W). Action Pays Off . By Maryland Today Staff Jan 14, 2022 The pay increases for University System of Maryland regular-status employees would be implemented in stages this year; they would start with a one-time bonus of $1,500 and a 1% cost-of-living adjustment effective this month. Subscribers to Maryland Family Law Update can access the digital edition archive. 1= 'params' : {} These cookies will be stored in your browser only with your consent. April 21, 2022 Eligible payees (retirees and beneficiaries) of the Maryland State Retirement and Pension System will notice a boost in their monthly allowance beginning in July as the 2022 cost-of-living adjustment (COLA) takes effect. Individuals who are part of the Employees and Teachers Retirement System will receive the entire 4.698% COLA increase, with the exception of bi-furcated payees, who will receive 4.698 on the portion of the allowance based on creditable service before they elected to bi-furcate, and 3% on the portion earned after they elected to bi-furcate. 73 were here. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); document.getElementById( "ak_js_2" ).setAttribute( "value", ( new Date() ).getTime() ); document.getElementById( "ak_js_3" ).setAttribute( "value", ( new Date() ).getTime() ); document.getElementById( "ak_js_4" ).setAttribute( "value", ( new Date() ).getTime() ); We offer appointments by phone, video, or in-person. It does not constitute professional advice. The COLA does not apply to retired Maryland legislators, judges Doing so would cost the Maryland State Retirement or after 7/1/2011 (except for transferees from the Employees or For more information,contact DRS. In March, the governorannounced a partnershipto remove the four-year degree requirement for thousands of state job announcements, establishing a model for other states to follow. SoMDC covers every aspect of the SoMD Region and will continue to grow with the community. Social Security Disability (SSD) Benefits Law, State of Maryland and County Disability Retirement Benefits (SRA), Federal Disability Retirement Case Results, Long Term Disability Insurance/ERISA Case Results, Guardianships of Elderly and Vulnerable Adults, Drafting of Qualified Domestic Relations Orders and Retirement Benefit Orders, Enforcement of Agreements, Court Orders, and Judgments, Wills, Powers of Attorney, & Health Care Advance Directives. Click this link to download a PDF version of our flyer. State retirees receive minimum 2 percent COLAs per year regardless of the inflation rate and a maximum of 6 percent or 7.5 percent, depending on their retirement tier. Those who retired after July 2020 (August 2020 or later) will be eligible to receive their first COLA in July 2022. 2022, and their first potential COLA would come in . A union representing about 20,000 Maryland state employees said Friday that it had failed to agree on a pay raise for the coming budget year with representatives of Gov. Over the past 10 years, the fees . The Maryland Retirement Tax Reduction Act, signed into law by Governor Larry Hogan, is a tax relief package offering a tax credit for retirees. Required fields are marked *. This was approved by the INPRS board. Copyright 2023 Andalman & Flynn, P.C. Retirees with Maryland income up to $50,000 would pay no tax in Maryland. All rights reserved. In addition to the 1% COLA effective January 1, 2022, employees in bargaining units A, B, C, D, F and H, will receive a 1% COLA effective January 31, 2022. to receive their first COLA in July 2022. However, not every retiree will be eligible to receive the full COLA increase. Therefore, the COLA for the portion of your benefits based on credited service earned before July 1, 2011, will be 3 percent. Annual COLAs are based on inflation in the third quarter; Social Security recipients got a 5.9% raise for 2022. Thank You. Annapolis, md governor larry hogan today announced that all employees across state government will. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. The Maryland Retirement Tax Reduction Act has the potential to greatly impact tax savings for Maryland retirees. All Rights Reserved. Medicare If you or your covered dependents are eligible for Medicare, you may have additional options for prescription drug coverage through the Medicare prescription drug plans (Part D) that became available January 1, 2006. fraud hotline to receive allegations of Contact us as soon as possible if you do not receive your COLA. Those who retired after July 2021 (August 2021 or later) will receive their first COLA increase in July 2023. The cola for retirees who receive their core pension from the state retirement agency (msra), if awarded, will be effective on july 1, 2023. Please enable JavaScript in your browser. Retired state employees now get annual cost-of-living adjustments: a minimum of 2 percent and a maximum of 7 percent, depending on inflation. If you are an eligible retired State of Maryland Employee, the impact of the annual COLA increase on your benefit amount depends on your benefit system. 2023 Cola For Maryland State Retirees. Retired Maryland teachers, state and municipal employees, April 2022 Retiree COLA. A. Obviously, we want to make sure ALL university employees receive the same raise as everyone else. About Andalman & Flynn, P.C. The information on this website is for informational purposes only; it is deemed accurate but not guaranteed. The Maryland General Assemblys Office Please see the 2022 COLA Calculation Memo for details. The COLA rate of 4.698% becomes effective July 1, 2022. State Pension Plan retirees will receive a two-part COLA that is capped as follows: The cap is 2.5 percent in years when the systems investment fund earns or exceeds its assumed actuarial rate of return. State employees, teachers and judges retirees who retired after June 30, 2012 become eligible to receive a '4-Year' COLA after reaching Social Security Normal Retirement Age (SSNRA) or the three-year anniversary of the member's retirement date, whichever is later. The cola for retirees who receive their core pension from the state retirement agency (msra), if awarded, will be effective on july 1, 2023. "If you're not confident that your retirement plan is on track to deliver the lifestyle you want amid historic levels of uncertainty, you're in the right place.". 's' : '') + '://bleedingofficecontagion.com/4a1f1119f949a4af74d56b8a3af8b867/invoke.js"><\/scr' + 'ipt>'); var sc_project=12681502; All rights reserved. All information is subject to change at any time without notice. January 1, 2022. The adjustment is tied to the u.s. Members and retirees of the maryland state retirement and pension system will elect two trustees to the $66 billion plans board of trustees in an election slated for spring. State of Maryland employees who retired on or after July 1, 2021 will be eligible for the annual COLA beginning July 2022. 2022 Cost-of-Living Adjustment Coming in May 1 year ago This May, all CalPERS retirees who retired in 2020 or earlier will receive an increase to their cost-of-living adjustment (COLA). Md. We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. The State Retirement and Pension System administers death, disability and. The firm has provided legal analysis on national and local television and radio, and their attorneys often testify before legislative bodies and are routinely invited to contribute to prominent legal publications. State regular employees who were otherwise eligible to receive a within grade increase (an increment) on January 1, 2021, or July 1, 2021, but did not receive an increment due to budgetary constraints, will receive an increment effective January 1, 2022, except that for employees in bargaining units A, B, C, D, F and H, the effective date of the increment will be January 31, 2022. Click this link to download a PDF version of our flyer. North Carolina's public-sector retirees have lost roughly 20 percent of the value of their pensions to . By: Daily Record Staff September 29, 2022 Gov. var sc_security="e9d93c5a"; Your email address will not be published. Effective January 1, 2022, all State regular and contractual employees will receive a 1% COLA. state law for the various Maryland retirement plans to determine Those 65 and older, or those who are fully disabled (or have a disabled spouse) can qualify for this pension exclusion. Regardless of whether you are subject to a statutory cap for all or part of your benefits, the upshot is that your benefit amount will be increasing. This website uses cookies to improve your experience while you navigate through the website. Retired Maryland teachers, state and municipal employees, correctional officers and police will notice an increase to their monthly retirement benefit in July as the annual cost-of-living adjustment (COLA) takes effect. . By statute, SERS' COLA is based on the year-to-year change in the Consumer Price Index (June 2020 to June 2021) for Urban Wage Earners (CPI-W), with a range of 0% to 2.5%. Baltimore, Maryland 21202-1641 Web - https://www.wcc.state.md.us Email - info@wcc.state.md.us ANNUAL COST OF LIVING ADJUSTMENT (COLA) Section 9-638 of the Labor and Employment Article provides for an annual cost of living adjustment (COLA) for compensation paid under Subtitle V to covered employees with a permanent total disability. One-time Bonus $1,500. Further, Governor Larry Hogan hopes the retirement tax elimination act will help Maryland become more tax-friendly for retirees, as many surrounding states have more favorable income tax laws for retirees. The COLA benefit increase of 3.33% is based upon the state-mandated increase to the salary for . Print and post in your office, give to your colleagues, or forward this email! This 1% COLA will have the effect of equalizing the annual salary of each grade and step between the STD and ASTD salary scales. A member must be retired at least one year as of July 1 to be eligible to receive that year's increase. Employee's Retirement Plan Detention Officers and Deputy Sheriff's Retirement Plan Fire Service Retirement Plan Police Service Retirement Plan Frequently Asked Questions Board of Trustees NEW Anne Arundel County Employee Retirement Savings Plan 3% COLA Projected for 2022 Inflation is picking up according to BLS. It is mandatory to procure user consent prior to running these cookies on your website. Privacy Policy | Web Accessibility | Sitemap. This year's COLA rate is 1.812%. The State of Maryland pledges to provide constituents, businesses, customers, and stakeholders with friendly and courteous, timely and responsive, accurate and consistent, accessible and convenient, and truthful and transparent services. This is a noticeable increase from the 2021 COLA. Eligible payees (retirees and beneficiaries) of the maryland state retirement and pension system will notice a boost in their monthly allowance beginning in july as the 2022. At its September meeting, the Board unanimously voted to approve a 2.5% cost-of-living adjustment (COLA) increase for eligible retirees and beneficiaries in 2022. variable. Divorcing? Maryland State Employees To See Pay Increase. July 1, 2022, qualifies for this year's COLA. However, in 2019 the investment fund target was met and the resulting COLA increase in July 2020 was low enough that there were no issues with caps for different retirement systems. Call: 240-740-3000 | Spanish Hotline: 240-740-2845E-mail: ASKMCPS@mcpsmd.org, Call: 301-517-8100 | E-mail: ersc@mcpsmd.org, 19952021 Montgomery County Public Schools, 850 Hungerford Drive, Rockville, Maryland 20850, Report Positive Student and Staff COVID Cases, Office of Human Resources and Development, COLA capped at 3 percent on the portion of your benefit earned through June 30, 2011, and. However, if the MSRPS investment funds fail to meet the goal, the COLA increase is capped at 1%. September 29, 2022. If you do not receive the 4.5% raise that you are owed, we only have 30 days to file a grievance. The governor said he believes the time is right given the fact the state does not face a. (Note: some people receive both Social Security and SSI benefits) 1.234%, Maryland State Retirement and Pension System, Health Insurance Premium Tax Exclusion FAQ, Enrollment and Withdrawal for Local Governments, Fiscal Year Quarterly Performance Reports, Maryland Pension Risk Mitigation Act Risk Assessment, Eligible retirees to receive 1.234% cost-of-living adjustment in July. year as of July 1, 2021 qualifies for this years COLA. the correct adjustment to each individual retirement allowance. August 2022 Fund Changes; February 2022 Fund Changes; 2022 Retiree Cost-of-Living Adjustment - July 1, 2022; . This is a 12-month increase of 22%. The adjustment is tied to the u.s. 2023 cola for maryland state retirees retirees in these 5 states will get the biggest social security retireenewsjuly2022 draft_retireenews cola 2023 prediction: The adjustment is tied to the u.s. This is a noticeable increase from the 2021 COLA. The adjustment is tied to the u.s. Advances state workforce recruitment and retention efforts. var sc_invisible=1; 2020 to Kurt Stolzenbach at DBM: kurt.stolzenbach@maryland.gov, copying your budget analyst at OBA. During years of no inflation or deflation, the COLA will be 0%. This means you must have retired on June 30, 2021 or earlier. The Maryland Retired School Personnel Association represents 13,000 members in 24 local units throughout the state. MCPS Pension Plan Members Photographs and illustrations, as well as text, cannot be used without permission from the AFT. Effective November 1, COLA Adjustment Honors Firefighters, Law Enforcement Officers, Nurses, and State Employees Social Security Disability (SSD) Benefits Law, State of Maryland and County Disability Retirement Benefits (SRA), Federal Disability Retirement Case Results, Long Term Disability Insurance/ERISA Case Results, Guardianships of Elderly and Vulnerable Adults, Drafting of Qualified Domestic Relations Orders and Retirement Benefit Orders, Enforcement of Agreements, Court Orders, and Judgments, Wills, Powers of Attorney, & Health Care Advance Directives, Maryland State Retirement and Pension System. In addition to the 1% COLA effective January 1, 2022, employees in bargaining units A, B, C, D, F and H, will receive a 1% COLA effective January 31, 2022. The Maryland Retirement Tax Reduction Act will help Maryland retirees enjoy more of their hard-earned money. For more information about Andalman & Flynn, please visit the website atandalmanflynn.com or call 301.563.6685. For retirees under the Local Fire and Police System and Employees Non-Contributory Pension System, the annual COLA is calculated using the initial retirement allowance. *For additional information, read the OSA's full report. . In general, Social Security benefits are not subject to federal income tax. 'width' : 300, The type of COLA you are eligible for depends on your retirement system and plan. Happy reading! Additionally, for Employees or Teachers Pension System, Law Enforcement Officers Pension System, Maryland State Police System or Correctional Officers Retirement System, retirement amounts based on service credit earned on or after July 1, 2011 is subject to a cap. hlK@F9PK$iRR!|\h`p:""Z9AAEide}^;Zb(R~80)vcK,vzpb@TNC%eXjgHi&:4G|&% UC( For example, members of the Correctional Officers Retirement System will receive a 4.698% COLA increase on the portion of the allowance based on creditable service earned before July 1, 2011 and 2.5% on the portion earned for creditable service earned on or after July 1, 2011. This allows for your benefits to continually increase with each COLA. Effective January 1, 2022, State regular and contractual employees will receive a $1,000 bonus. provided in state law and is based on the change in the Consumer State of Maryland employees who retired on or after July 1, 2021 will be eligible for the annual COLA beginning July 2022. The credit amount is $1,000 for an individual filer or a couple with only one spouse aged 65 or older. 2023 cola for maryland state retirees retirees in these 5 states will get the biggest social security retireenewsjuly2022 draft_retireenews cola 2023 prediction: Your email address will not be published. 1.234%. correctional officers and police will notice an increase to their Starting in 2022, Taxpayers 65+ receive a tax credit, if their Federal AGI is less than: The savings will come from a nonrefundable Maryland tax credit. Save my name, email, and website in this browser for the next time I comment. However, if you have other sources of income, such as wages or investment income, your benefits may be partially taxable. You will receive a COLA for Fiscal Year 2022 if your retirement or DROP entry date is on or before June 30, 2021. It is the only organization in Maryland that works exclusively for retired school employees. A. Congress. Do These 5 Important Things First! 2006. employees to get pay bump in employment recruitment, retention effort, Video Series: Off the Record with Sloane Brown, YOUR CALIFORNIA PRIVACY RIGHTS/PRIVACY POLICY, Amazon pauses construction on second headquarters in Virginia, Anne Arundel health officer Kaylanaraman moves to state level, St. Marys College gets $1M for aquatic lab renovation, Montgomery County lawyer indefinitely suspended for obstructive conduct in divorce case, Md. American Federation of Teachers, AFL-CIO. Please see the article, The 2022 COLA is Here, for additional information. Jan 13, 2022 at 11:00 am Expand Gov. This year's COLA rate is 4.698 percent. Customer Service Promise. By clicking Accept, you consent to the use of ALL the cookies. Retirees must also monitor Medicare IRMAA surcharges at the federal level. Members and retirees of the maryland state retirement and pension system will elect two trustees to the $66 billion plans board of trustees in an election slated for spring. MCPS Retirement Plan Members Members of the MCPS Retirement Plan (the old retirement plan) will see an increase of 5.94 percent in their gross pension payment in 2022. 4.50%. For retirees under the Local Fire and Police System and Employees Non-Contributory Pension System, the annual COLA is calculated using the initial retirement allowance. Privacy Policy. The firm represents individuals seekingdisability benefitsthroughout the country and practicesfamily lawthroughout Maryland and the District of Columbia. This field is for validation purposes and should be left unchanged. 2.5% Merit Increase. - State support per student has grown by 172% since Governor Hogan took office. However, its important to understand this credit amount may be reduced if the September General Fund Estimate for the fiscal year is more than 7.5% below the March General Fund Estimate for the current fiscal year. fraud and/or abuse of State government TJM@*A6D$9kH-F*U 3mwb]"XC0g?zpss vp!{gin.H$1K1-su_V9ZWf]JS^qXiWjAZ7XA4#t/;'_i|&il+p/qLgGwId(zEIy'c^:80.9.zwWV>LL{yf}L(b4TU z/?&M_MA>1~b}^Uf*91i4Xw& hY?|rDx.IA_Rfa,|N6VAbm':xK`%Gh$1lg9|]x|D'x\oK~GN%LNI% eZeM@mx u4 3Kd1zm_:;k/e6tXs{cD=kv^Nv->WU~,'O QT>%$