Roberston said she's sorry for Cotten's actions and the harm he's caused. At the time, Gerry ran QuadrigaCX and profited from Bitcoins astronomical rise in value. On his personal YouTube channel (account name Gerryrulz) he had posted several dozen homemade videos as infantile as they were portentous: Gerry incinerating a $20 bill in his microwave; Gerry knocking over a Jenga tower with a giant teddy bear; Gerry stuck in an amusement park maze, repeating the same mistakes, unable to escape. Then, in December, Robertson called Sunnybrook to explain that Gerry, while on their honeymoon in Jaipur, had died suddenly. She is listed as itspresident, secretary and sole director. He was careful and pragmatic. Another co-op member, Michael Yeung, rejecting the insinuation that Cotten had been out to make a quick buck, said he was in it for the long haul., In February the Canadian Broadcast Company interviewed Michael Patryn. I love electric. The whole thing would cost $600,000, but expense never came uponly safety. He was busy. Gerald 'Gerry' Cotten founded Quadriga CX, which he dubbed Canada 's best Bitcoin exchange. It is a priority for CBC to create products that are accessible to all in Canada including people with visual, hearing, motor and cognitive challenges. After his release in 2007, he was deported to Canada. The year after Robertson met Cotten, the value of cryptocurrency plummeted. This is a question that the lead investigator for the FBIs cybercrime division, Jennifer Vander Veer, has posed to crypto experts. So, if youre curious to find out more, weve got you covered. Cotten ran his own succession of schemes throughout those years, during which he also attended an undergraduate honors program at York Universitys Schulich School of Business. According to the authorities, about $169 million of the funds were missing, with five of the six cold wallets used to store the cryptocurrency being empty since April 2018. Jennifer now lives in Halifax in Nova Scotia, Canada, with her two pet dogs. He saw himself as an enforcerof rules, of integrity, of loyalty. After Gerrys death became public, she maintained that the attorneys decided to hold off on announcing it earlier. The plan, from the beginning, would be to keep the con going as long as possible before vanishing with the money. Furthermore, Gerry signed his will less than two weeks before his death, leaving all of his assets to Jennifer. (At press time those pizzas would be valued at $82,373,500.) However, the couple never arrived at the house, and the honeymoon did not go as planned. It may be that he traded Quadrigas funds in a frantic effort to recoup the losses he had sustained. Often Quadriga was the only Bitcoin company willing to pay for a sponsorship. He credited fake Quadriga accounts with fake funds but made actual trades by betting on cryptocurrency value. Sometimes hed introduce himself as Michael from India. J ennifer Robertson was widowed when Cotten, the founder of QuadrigaCX, died suddenly in India in December, leaving behind a business in chaos and as much as $180 million of cryptocurrency. The smiling boy visited Sunnybrook Yachts in the summer of 2017, after the value of Bitcoin had reached an all-time high, having tripled in five months. Perklin said he has no evidence Cotten is still alive, however. Which meant that Cotten was not really who he said he was either. Cotten rarely brought up his work, but details emerged. If you blur your eyes, this narrativeGerry Tries to Make Goodnearly coheres. On Dec.1, 2016, Nova Scotia's Royal Gazette announced she was changing her name from Jennifer Kathleen Margaret Griffith to her current name, Jennifer Kathleen Margaret Robertson. Gerald Cotten, a Nova Scotia resident originally from Ontario, was 30 years old when he died suddenly while travelling in India on Dec. 9 -- leaving his virtual company, QuadrigaCX, without access . She can be reached at cassandra.williams@cbc.ca, on Twitter @cassiehwilliams, With files from Andrew Chang and CBC's The National, Audience Relations, CBC P.O. Patryn had said that Cotten was like a little brother to me. This was how those who had known both of them saw it too, though the characterization usually wasnt intended as a compliment. "I did let that go to the lawyers and the contractors, and I trusted that they knew what to do," she said. The cautionary tales of fortunes lost because of misplaced private keys have the quality, in Bitcoin mythology, of the homilies delivered at religious gatherings. Gerald Cotten lied to thousands of investors in his crypto exchange, and deceived his wife Jennifer Robertson, a new book claims. According to Quadrigas last public filings in 2015, it operated in a deficit. Midas Gold was an intermediary between Liberty Reserve and its traders, transferring cash into digital currency and back again, ensuring that no centralized record of clients existed. Which Pubs and inns in Cornwall are suitable for children, which have a rich history, and where will visitors find the best deals and food. We now know that Cotten began, no later than 2015, to steal his clients funds. He summoned a future in which the customer was already a proud captain astride a luxury pleasure vessel dividing a turquoise sea. It was a terrible, terrible moment., She mostly remained away from the public spotlight apart from interview appearances in January 2022. He sought a programmer who is familiar with Bitcoin to develop a website that would serve as an open market place, like a stock market, where people buy and sell Bitcoin. The design had to be simple, but professional and it had to be built quickly. He used to say he didnt open up to many people, but he was able to open up to me.. In April 2013, around the time that Cotten appeared in Vancouver, the price of a Bitcoin had risen to $266. Small said people were bringingduffel bags of cash to the home Cotten and Robertson shared. Robertson maintains she knew little about the company's inner workings, and largely did as she was told. Using Cotten's money, Robertsonstarted her own real estate company andmanagedmore than a dozen properties. The couple enjoyed the newfound wealth, traveling to exotic locations and buying properties in addition to a boat and a plane. We do not invest in stocks, bonds, shares, precious metals or antiques. It served as an independent payment processor for Liberty Reserve: a digital currency that was operated by an American in Costa Rica and used by drug cartels, human traffickers, child pornographers, and Ponzis to launder money. Gerald Cotten may have had a sophisticated grasp of cryptocurrency, but his expertisehis formal traininglay in the art of the confidence game. The public bid was a last-ditch effort to salvage a flailing Ponzi, exploiting positive press and public sympathy to bilk money from investors. Robertson said something Cotten said around the time they were drawing up the will didn't sit right with her. He figured that Dhanani had friends in the underworld and in federal law enforcement. There were rumors of other employees taking similar trips. Cotten had mentioned having a safe bolted to the rafters in the attic of his home in which he had stored the passwords to his various cryptocurrency accounts. Jennifer Robertson is the widow of Gerald Cotten, who died suddenly in India in December, leaving his business in chaos and as much as $180 million of cryptocurrency locked in his encrypted laptop and USB keys. GROWING PAINS They married in Scotland in October 2018. Most conspicuous was the odd way that the young man always seemed to be smiling. Gerry was a very careful person who well understood the need to back up ones private keys. Canadian real estate developer Jennifer Robertson met Quadriga CEO Gerald Cotten on Tinder in 2014. His name was Gerald Cotten, and he went by Gerry; his girlfriend was a property manager named Jennifer Robertson, or Jen; her two Chihuahuas, who liked to sun themselves on the deck as the. If Gerry the Mastermind is alive, what is he doing? [4] In her memoir, Bitcoin Widow: Love . It put us in a particular place of need.. Both men soon graduated, however. Speaking on CTV's Your Morning Tuesday, Robertson said the aftermath of her husband Gerald Cotten's sudden death from complications of Crohn's disease has haunted her, after it quickly became. Still, the eulogies had a prismatic quality; viewed from an angle they suggested darker possibilities. Cotten built his career on the insight that most people are willing to believe most of what they are told most of the time. But the safe was gone. There were forums promoting promising new HYIPs; scam warnings; advice on creating ones own Ponzi, or how to get out early enough to profit; and offers of payment to boost fraudulent schemes on the site. Michael was obviously running the show, but it was a very quiet running, says Weinberg. Patryn, though six years older than Cotten, was only 21. She believed in him. She told clients and friends to avoid Quadriga. His news career began on the morning of Sept. 3, 1998 following the crash of Swissair 111. Seasick marine biologist, turned journalist. It didn't take long for the withdrawals to become greater than Quadriga's profits. Castor said Cotten operated Quadriga like a Ponzi scheme. Canadian Press. He was not an evil dude, said Freddie Heartline, a founder of the Bitcoin Co-op, when asked about the missing millions. She froze and said something about having to shampoo her cats. In this version of the story, scams beget scams and incompetence snowballs into recklessness and squander. Likewise, the public was not much intrigued about their . A podcast about the collapse of the crypto exchange Quadriga after the death of its founder in India. That was our perception, at least., (Patryn has argued the reverse: that he quit Quadriga because he disagreed with Cottens decision to abandon the public listing. (For his part, Patryn says he hasnt seen any reason to think that [Cotten] is alive.). [3] Robertson's first marriage, to Jacob Forgernon, ended in divorcer. He never mentioned Patryn in her presence again. Over several dozen hours of sailing lessons, the yacht dealer learned a few things about his customer. We are not sure about the diagnosis, he said. Cotten had declined to solicit Perklins services for Quadriga, but they worked beside each other at Decentral Toronto, a blockchain company that leased office space and served as the hub of the Toronto Bitcoin scene. The widow of the man behind what was once Canada's largest cryptocurrency exchange is finally sharing her side of the story afterhis suddendeath three years ago. Jennifer Robertson and Gerald Cotten married in 2018. Robertson had already been briefly married. The guy just always had a big goofy smile and laugh. This summer day, however, he was dead serious. He began his own HYIP chat site by December, and on January 1, 2004he was 15 and a halfhe launched his first pyramid scheme, S&S Investments. (Candace Berry. She expressed a desire to move on with the next chapter of my life. She may have to change her name one more time in order to do so. She attributed that to a failed marriage and not liking her birth name (Griffith). Patryn joined TalkGold on April 3, 2003, the year the site launched. He took to hisgrave the passcodesthat locked about $250 million in other people's assets in his exchange, QuadrigaCX. "I saw Gerry die, I was holding his hand when he passed away. All of it looked bad, but there was no confession of criminality. It put strangers at ease; it made him seem lighthearted. "It never occurred to me [that he was breaking the law]," said Robertson. It was so hard to buy Bitcoin in Canada, says Cotten in his unflappably peppy, inquisitive voice, in a 2014 interview. Sure, he said. There was also the fact that these were Canadian people, Canadian companies. Confusion compounded confusion. Jennifer Robertson, whose husband Gerald Cotten died aged 30 during their honeymoon in India in 2018, opened up about her ordeal in a new book, Bitcoin Widow: Love, Betrayal and the Missing Millions. Josh Marcus reports on the life and lies of the 'Bitcoin Widow' Thursday 14. A year later, Canadas largest exchange, CaVirTex, announced its closure, also blaming hackers; the second-largest exchange, Vault of Satoshi, closed the same week. A quadriga is a chariot yoked to four horses abreast. Cotten, 26 at the time, said he worked in bitcoin. Cottens reputation as a cryptocurrency true believer survived his death on December 9, 2018. He ranted about his hatred of scam artists, though his definition of the term seemed rather idiosyncraticidentity theft was a clean, bloodless business, but when you lied to someones face, it was unforgivable. Through social media posts, court records, and other primary sources, author Kathleen Hale forensically reconstructs their lives before the crime, and the night they were killed. Creditors began to ask questions online about the authenticity of the formal documents in a country notorious for the ease at which falsified documents can be purchased, particularly after they learned that the death certificate misspelled Cottens name, and that the former chairman and managing director of the company that ran the hospital had been convicted of financial fraud two months earlier. He was always smiling, really friendly, offering stuff, says Alex Salkeld, a member of the original Vancouver Bitcoin circle. Subsequently the brothers would gain Twitter notoriety for their incessant attacks on Donald Trump before they were shut down for operating fake accounts and purchasing followers.) Bitcoin would enable more than two billion people who lacked access to banks to send and receive payment; it would offer stability to citizens of countries with chaotic currencies; it would eliminate all banking fees. He was a founder and the CEO of Quadriga, Canadas dominant Bitcoin exchangesomething like TD Ameritrade for cryptocurrency. "Whenever people put their money into the exchange, he sort of used it as his personal slush fund," she said. It took some time for him to grow on her, but they eventually fell in love. He was sturdy and muscular, with blackwork tattoos and a face that in repose seemed to glower. She appeared with him, and even introduced him, at conferences. It was quickly very clear that he wasnt who he said he was. Barely more than 24 hours after the onset of a stomachache, he was pronounced dead. The couples marriage came around when Bitcoins value began to plummet, leading to customers wanting to withdraw their money from QuadrigaCX. Now recruiting: Nova Scotia starts testing foreign-trained family doctors, Meet the student who went straight from a Kenyan refugee camp to Acadia, Home repair program in Yarmouth County aims to patch gaps in getting help, CBC's Journalistic Standards and Practices. After his death, investigators discovered he used the money as his own personal slush fund. Cbc.ca. In isolation this might be written off as teenage hijinksor at most light fraud. Canadian real estate developer Jennifer Robertson met Quadriga CEO Gerald Cotten on Tinder in 2014. I was one of five nonwhites working in capital markets in Vancouver.) Patryn shortly resumed posting on TalkGold and other HYIP forums and opened a series of businesses that brokered digital currencies. Widow of Quadriga crypto founder Gerald Cotten says she had no idea about the $215-million scam In an exclusive interview, Jennifer Robertson speaks out publicly about her deceased husband,. He had Crohns disease and seemed to subsist on hummus; when others drank beer, he produced bottles of hard cider. The will made no mention of the external hard drives, called cold wallets, in which Cotten had stored most of Quadrigas funds. Here's everything you need to know, had been moving money from the exchange into his personal accounts, she agreed to forfeit $12 million in assets, to wait weeks before letting investors know, CBC's Journalistic Standards and Practices. There were limits, furthermore, to the scope of the monitors investigation. She wonders why Robertson didn't think to question what was going on. He seemed like the kind of guy who might retire early to an island somewhere. It is theoretically possible to conduct high-volume trades in such a way as to launder funds, provided that the trades are exotic enough to ensure that the losses accrue to another account that Cotten, or an associate, controls. The yacht salesman had questions, though it was not his job to ask questions. Hes what youd call, says Mueller, a real motherfucker.. In January 2014 Salkeld posted a video on YouTube in which Cotten gently teaches his young daughters how to operate the Bitcoin ATM; Salkeld is certain that his two-year-old is the youngest person ever to have purchased Bitcoin. Quadrigas entire board resigned, leaving Cotten as Quadrigas only full-time employee. But there were questions regarding Gerrys death and the events surrounding it. More than three years after the sudden death of Quadriga CEO Gerald Cotten and the revelations that the company was a massive cryptocurrency scam, his widow, Jennifer Robertson, tells her side of the story. This meant that multiple customers were missing over $180 million. Cotten flushed. But just about every cryptocurrency expert in Canada had a Quadriga account. The median price for the properties was$346,000. Jennifer Robertson, the widow of QuadrigaCX founder Gerald (Gerry) Cotten, will be allowed to keep more than $90,000 cash and a Jeep Cherokee in a settlement agreement with the company's bankruptcy trustee. Flickering banner ads for investments in precious metals and foreign exchange funds and real offshore returns buffered message boards offering something for everyone: scammers, marks, and those who belonged to both categories. When search suggestions are available use up and down arrows to review and enter to select. She was allowed to keep money, a car, her wedding band, some jewelry, and shares in Quindraga Fintech, among other things. To remind, Gerald Cotten, died from complications of Crohn's disease while on a visit to India. Law enforcement has the edge in nearly every other category: crime labs, informants, surveillance technology, forensic databases, the threat of arrest. The material on this site may not be reproduced, distributed, transmitted, cached or otherwise used, except with the prior written permission of Cond Nast. The exchange took a cut of every transaction. More than 75,000 Quadriga account holders also had questions. Midas Gold, which had begun to accept Bitcoin, was seized too. All I will say is that we will generate your return and that we are not what is called a ponzi or pyramid scheme.. Lets work together. In a small, inefficient market, Quadriga swiftly distinguished itself. In December 2018, Cotten died during his honeymoon with his wife, Jennifer Robertson, in Jaipur, India. Forensically examining Instagram accounts, interviews, and police reports, author Kathleen Hale reconstructs their relationship, and ultimately Petitos murder. Under the Mastermind Theory, Cotten ran Quadriga much as he had S&S Investments and its successors, honoring enough withdrawal requests to maintain credibility. Their findings, though baroquely technical, could be distilled to a two-word conclusion: The initial portrait of Cotten that emerged in February 2018, once his death was announced through a Quadriga Facebook post, squared with the yacht salesmans impressions. They wanted answers. When it came to the case of the missing Quadriga millions, however, the balance was reversed. When national news articles began to appear a month later, they emphasized another detail: Cotten was the only person with the passwords to the accounts holding Quadrigas fundscryptocurrency and cashworth approximately a quarter billion U.S. dollars. The RCMP, which has jurisdiction over the case, has thus far not done so. The little brother under the thumb finally grew some balls. The strangely familiar nightmare of impeaching Trump Clues to the identity of Anonymous, who wrote the explosive White House op-ed Former Fox News staffers demand to be released from their NDAs Why crypto-crooks have their sights set on Iceland A sustained booing reveals Trumps true face From the archive: A portrait of Kim Jong Un, part man, part myth. Cotten provided withdrawals manually, seeming to give preference to the customers who complained loudest in public forums. The first Bitcoin block was created on January 3, 2009, and the currency gained economic value on May 22, 2010, a date enshrined in Bitcoin lore as Pizza Day, when a Florida man paid someone in England 10,000 Bitcoins to order him two pizzas from Papa Johns. When Quadriga CEO Gerald Cotten died suddenly in 2018, the passcodes for his cryptocurrency exchange died with him. Robertson owns two other properties in her own name, including an island in Mahone Bay the couple purchased in September 2017 from Fox News personality Tucker Carlsonfor $161,250 well below the island's tax-assessed value of $349,400. 2023 Cinemaholic Inc. All rights reserved. In the months that followed,investigatorsuncovered that Cotten had been moving money from the exchange into his personal accountsand engaging in other suspicious behaviour. It is a priority for CBC to create products that are accessible to all in Canada including people with visual, hearing, motor and cognitive challenges. Trust No One: The Hunt for the Crypto King delves into the circumstances surrounding Gerrys death and what happened to the company after that. Once he left it behind on the Gulliver, which caused a momentary hysteria as the yacht had already departed the dock. Gerald Cotten's widow, Jennifer Robertson, said he was diagnosed with Crohn's disease at the age of 24, about a year after he co-founded QuadrigaCX with his partner Mike Patryn. When he did file, he claimed no income from Quadriga. And I'll carry that shame with me, probably, every single day for the rest of my life," she said. Hi, he said. We all want Bitcoin to succeed, and businesses in the Bitcoin industry to succeed, which encourages some level of self-delusion. Back in 2018, 30-year-old Cotten took a trip to India with his now widow Jennifer Robertson for their honeymoon and to open an orphanage. Gerry the Mastermind would count on the world believing he was reckless, greedy, and dead. But he never did. This was the detail that most shocked cryptocurrency professionals. Vanity Fair may earn a portion of sales from products that are purchased through our site as part of our Affiliate Partnerships with retailers. Closed Captioning and Described Video is available for many CBC shows offered on CBC Gem. By that point, however, a new Gerald Cotten venture was already six months old. He also created dozens of false trading accounts to stimulate trading volume on the platforma fact he even disclosed in the 2015 filings. Asked for his location, Patryn said he was traveling between Thailand and Hong Kong. Jennifer Robertson was widowed whenCotten, the founder ofQuadrigaCX, died suddenly in India in December, leaving behind a business in chaos and as much as $180 million of cryptocurrency locked in his encrypted laptop and USB keys. Gerald Cotten, 30, was the CEO of QuadricaCX, the largest cryptocurrency exchange in Canada which defaulted last year following his death while abroad with his wife Jennifer Robertson.. They asked me about 20 times if he was alive, says one witness who has intimate knowledge of Quadrigas workings and has been questioned by both agencies. Quadrigas corporate accounts did trade tens of millions of dollars worth of Bitcoin with accounts connected to known Ponzi schemes and illegal marketplaces. The sudden death of Gerald Cotten in December 2018 plunged the world of cryptocurrency into chaos. He used to crack jokes all the time. If you lose the private key to your cryptocurrency walleta long, randomly generated password, all but impossible to memorizeyour funds are gone forever. In 2017, as the price of a Bitcoin shot to nearly $20,000, Quadriga processed nearly $2 billion in trades from 363,000 individual accounts. OFFICE SPACE (For months, Miller Thomson, the Bay Street law firm appointed to represent the class of creditors, received hundreds of emails a day inquiring about the lost funds, and answered such a constant barrage of phone callsheartbreakers about lost pensions and college savings, babies crying in the backgroundthat its lawyers could do little else.) The couple traveled abroad constantly, and they planned to sponsor a home for 12 children at an orphanage in India. Wealth is freedom, read the prospectus. The operator of an exchange on which Cotten opened accounts told Ernst & Young that Cotten had squandered most of his holdings on reckless trades. Within hours of the announcement of Cottens death, a crowdsourced, scrupulously documented investigation, applying the logic and methodology of the blockchain, was afoot. Additional investigations were begun by the Royal Canadian Mounted Police; the FBI; and at least two other law enforcement agencies that have not been publicly disclosed (though one of them is likely a federal agency in Japan). He also accepted cash deposits. Was Quadriga built to last, in other words, or built to self-destruct? They usually did the outreaching; nobody had reached out to them before. Small said exhuming the body would be one way to lay those theories to rest. Its clients tended to be surgeons and litigators and C-suiters who travel from Toronto and Paris and Hawaii to summer in Nova Scotia; their wives wear silks and Manolos and perfect fingernails that cost $300 yesterday at the salon. The Nova Scotia Supreme Court declared the company bankrupt and selected the accounting firm Ernst & Young to serve as its third-party monitor, responsible for securing the lost funds belonging to Quadrigas creditors. It was the behavior of a doomed gambler employing the martingale strategy, successively doubling down in a desperate effort to get back to zero, until he had dug a hole so deep that he could only be buried inside it. There is yet another possibility, one that none of the cases investigators is willing to discount. At the time, he was the CEO of QuadrigaCX, a company that performed cryptocurrency exchanges. But looking at the information that I do know now, I do think he'd be the type of person who could orchestrate that.". Cotten tried to scam Patryn; Patryn tried to counter-scam Cotten. Box 500 Station A Toronto, ON Canada, M5W 1E6. But it came from a place of organizationhe knew what he was doing. Despite all this, Quadriga should have had about C$200 million of its customers funds in its cold walletsthe external hard drives, disconnected from the internet, that functioned like bank vaults. It seemed like they had an understanding, and shared motives. They were an odd pair. His death left investors locked out of their money and left Jennifer Robertson, Gerrys wife, to deal with the fallout. ', "And he was like, 'No, I'm the only one with banking connections, I'm the only one that knows how to work it.' Then he flew to India, where things managed to get even worse. But on December 9, 2018, Gerry died at a local hospital because of complications resulting from Crohns disease at the age of 30. He would have new names and passports, perhaps a new face. Be a smarter, safer investor in eight weeks. The major break in the investigation was not a revelation, exactly, but something that had been hiding in plain sight. A month passed before Robertson announced on Quadrigas Facebook page that Cotten had died. More commonly, however, he will blame external forces (a meddlesome bank that freezes its accounts), provide fragmentary refunds, and equivocate until its investors give up hope. In the public narrative that emerged, derived largely from a meticulously detailed investigation by Canadas Globe and Mail, Cotten fell sick nine days into his Indian honeymoon, shortly after checking into the Oberoi Rajvilas in Jaipur on December 8, 2018. While Jennifer said she stopped processing payments in 2016, customer receipts showed the firm continued paying customers in 2017. On one particular margin account, he conducted 67,000 individual trades alone, placing enormous bets on fledgling currencies like Dogecoin, OmiseGO, and Zcash. He sent cash, in paper bags and shoeboxes, to coffee shops, laundromats, and pool halls. Quadriga Fintech Solutions Corp. shut down in January following the death of founder and Chief Executive Officer Gerald Cotten, leaving some 115,000 customers out of pocket for about $260 million in cryptocurrencies and cash. Much of Quadrigas riseand Bitcoinshad been fueled by speculation from greenhorns who had heard something exciting about cryptocurrency from their nephew or cable news. Gox, a Tokyo-based exchange, and had to be funded by sending a bank wire to Japan. Needless to say, the fund's clients were thoroughly disappointed. The most effective and thorough investigation to date, however, has been conducted by anonymous accounts posting on Twitter, Reddit, Pastebin, and Telegram. Some of the early visitors to the Vancouver Quadriga office even thought the exchange was just a show. They settled on a customized Jeanneau 51 with a pink and cream interior: three cabins, a dining area for six, a dishwasher, a gas stove, a washer and dryer, an en suite bathroom with standing shower, and a swim platform with teak battens. In October 2013, Cotten placed a job posting on an online forum, BlackHatWorld, that marketed frauds and stolen goods. "I hadn't understood how Quadriga had held money in the first place;I thought it was just a trade," she said. So, if youre curious to find out more, weve got you covered.
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