eCredable Business BlogLearn how to build business credit and access more business financing.https://business.ecredable.com/resources/blogCostco Net 30 Account Reviewhttps://business.ecredable.com/resources/blog/postid/774/costco-net-30-accountBusiness Credit,Business Credit Vendors,Business TradelinesMon, 18 Mar 2024 22:08:42 GMT<html> <head> <title></title> </head> <body data-gr-ext-disabled="forever" data-gr-ext-installed="" data-new-gr-c-s-check-loaded="14.1162.0"> <h1><b id="docs-internal-guid-66070cc2-7fff-1a07-2fa1-997a465ec9f6"></b><b id="docs-internal-guid-66070cc2-7fff-1a07-2fa1-997a465ec9f6"></b></h1> <h1 lang="EN-US" paraeid="{dd1fa1e9-f612-4bd1-8a5d-a358e8fd63ac}{15}" paraid="752569896" xml:lang="EN-US">Costco Net 30 Account Review </h1> <p lang="EN-US" paraeid="{dd1fa1e9-f612-4bd1-8a5d-a358e8fd63ac}{75}" paraid="143268692" xml:lang="EN-US">If you’re a business owner and a Costco member looking to build business credit while also extending payments to increase cash flow, a net 30 account is a great option.  </p> <p lang="EN-US" paraeid="{dd1fa1e9-f612-4bd1-8a5d-a358e8fd63ac}{93}" paraid="267865017" xml:lang="EN-US">While Costco doesn’t offer traditional <a href="https://business.ecredable.com/resources/blog/net-30-accounts" rel="noreferrer noopener" target="_blank">net 30 accounts</a> to businesses, they do offer a credit card with a 30-day billing cycle.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{dd1fa1e9-f612-4bd1-8a5d-a358e8fd63ac}{107}" paraid="1315848443" role="heading" xml:lang="EN-US">Our Costco Net 30 Review </h2> <p lang="EN-US" paraeid="{dd1fa1e9-f612-4bd1-8a5d-a358e8fd63ac}{125}" paraid="846257458" xml:lang="EN-US">With reporting to two of the three major business credit bureaus, access to comprehensive products and services at a wholesale cost, and robust rewards, Costco can be an appealing option for many business owners.  </p> <p lang="EN-US" paraeid="{dd1fa1e9-f612-4bd1-8a5d-a358e8fd63ac}{143}" paraid="1039638794" xml:lang="EN-US">The main drawback is that you must have excellent credit to qualify for membership.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{dd1fa1e9-f612-4bd1-8a5d-a358e8fd63ac}{157}" paraid="1181586871" role="heading" xml:lang="EN-US">Key Benefits of a Costco Net 30 Account: </h2> <p lang="EN-US" paraeid="{dd1fa1e9-f612-4bd1-8a5d-a358e8fd63ac}{175}" paraid="310217585" xml:lang="EN-US">      -  <a href="#Costco Reports to Dun & Bradstreet and Experian Business ">Costco Reports to Dun & Bradstreet and Experian Business</a></p> <p lang="EN-US" paraeid="{dd1fa1e9-f612-4bd1-8a5d-a358e8fd63ac}{201}" paraid="1517683359" xml:lang="EN-US">      -  <a href="#They Offer a Wide Variety of Products and Services ">They Offer a Wide Variety of Products and Services</a></p> <p lang="EN-US" paraeid="{dd1fa1e9-f612-4bd1-8a5d-a358e8fd63ac}{224}" paraid="447402239" xml:lang="EN-US">      -  <a href="#Business Owners Get Attractive Rewards ">Business Owners Get Attractive Rewards</a></p> <h2 aria-level="2" lang="EN-US" paraeid="{dd1fa1e9-f612-4bd1-8a5d-a358e8fd63ac}{247}" paraid="1509574700" role="heading" xml:lang="EN-US"><a id="Costco Reports to Dun & Bradstreet and Experian Business " name="Costco Reports to Dun & Bradstreet and Experian Business ">Costco Reports to Dun & Bradstreet and Experian Business </a></h2> <p lang="EN-US" paraeid="{7ecb7105-32b9-4d16-a1f7-176448b9c223}{13}" paraid="1550491332" xml:lang="EN-US">Besides extending payment terms, the main reason business owners seek net 30 terms is to have their payment history reported to business credit bureaus.  </p> <p lang="EN-US" paraeid="{7ecb7105-32b9-4d16-a1f7-176448b9c223}{31}" paraid="705442270" xml:lang="EN-US">And this is an area where Costco stands out.  </p> <p lang="EN-US" paraeid="{7ecb7105-32b9-4d16-a1f7-176448b9c223}{49}" paraid="2006656522" xml:lang="EN-US">Again, they don’t offer a traditional net 30 vendor account, but their business credit card — the <a href="https://www.citi.com/credit-cards/citi-costco-anywhere-visa-business-credit-card" rel="noreferrer noopener" target="_blank">Costco Anywhere Visa Business Card By Citi </a>— has a 30-day billing cycle, which is the equivalent of having net 30 terms.  </p> <p lang="EN-US" paraeid="{7ecb7105-32b9-4d16-a1f7-176448b9c223}{67}" paraid="1027723134" xml:lang="EN-US">When it comes to reporting, Costco reports to Dun & Bradstreet and Experian Business, which are two of the biggest business credit reporting agencies.  </p> <p lang="EN-US" paraeid="{7ecb7105-32b9-4d16-a1f7-176448b9c223}{85}" paraid="1295157239" xml:lang="EN-US">By making payments on time or in advance, this should help improve your business credit to unlock future financing opportunities, along with favorable terms and interest rates.  </p> <p lang="EN-US" paraeid="{7ecb7105-32b9-4d16-a1f7-176448b9c223}{103}" paraid="1424559031" xml:lang="EN-US">Just note that you must have a Costco membership before applying for the Costco business credit card, and there’s currently a $60 annual membership fee.  </p> <p lang="EN-US" paraeid="{7ecb7105-32b9-4d16-a1f7-176448b9c223}{121}" paraid="1660976526" xml:lang="EN-US">Also, note that executive membership is available for an additional $60 per year. As an executive member, you earn an annual 2% reward at Costco, Costco.com, and Costco Travel.  </p> <p lang="EN-US" paraeid="{7ecb7105-32b9-4d16-a1f7-176448b9c223}{139}" paraid="1008691466" xml:lang="EN-US">You can learn more about executive membership through their <a href="https://customerservice.costco.com/app/answers/answer_view/a_id/1205/~/what-is-an-executive-membership%3F" rel="noreferrer noopener" target="_blank">customer service section here</a>.  </p> <p lang="EN-US" paraeid="{7ecb7105-32b9-4d16-a1f7-176448b9c223}{157}" paraid="655496703" xml:lang="EN-US">If you’re looking for more traditional net 30 tradelines, here are some we suggest: </p> <ul> <li lang="EN-US" paraeid="{7ecb7105-32b9-4d16-a1f7-176448b9c223}{175}" paraid="1532458185" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/crown-office-supplies-net-30" rel="noreferrer noopener" target="_blank">Crown Office Supplies Net 30</a> </li> <li lang="EN-US" paraeid="{7ecb7105-32b9-4d16-a1f7-176448b9c223}{194}" paraid="403856609" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/uline-net-30" rel="noreferrer noopener" target="_blank">Uline Net 30</a> </li> <li lang="EN-US" paraeid="{7ecb7105-32b9-4d16-a1f7-176448b9c223}{217}" paraid="1841624744" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/grainger-net-30" rel="noreferrer noopener" target="_blank">Grainger Net 30</a> </li> <li lang="EN-US" paraeid="{7ecb7105-32b9-4d16-a1f7-176448b9c223}{240}" paraid="1632775980" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/quill-net-30" rel="noreferrer noopener" target="_blank">Quill Net 30</a> </li> </ul> <p lang="EN-US" paraeid="{1194d5e3-e569-404a-bae6-3a9d1e3ab628}{15}" paraid="214191902" xml:lang="EN-US">With these accounts, you can find a mix of office supplies, shipping supplies, industrial equipment, and more.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{1194d5e3-e569-404a-bae6-3a9d1e3ab628}{29}" paraid="247283447" role="heading" xml:lang="EN-US"><a id="They Offer a Wide Variety of Products and Services " name="They Offer a Wide Variety of Products and Services ">They Offer a Wide Variety of Products and Services </a></h2> <p lang="EN-US" paraeid="{1194d5e3-e569-404a-bae6-3a9d1e3ab628}{47}" paraid="112690017" xml:lang="EN-US">Costco Wholesale Corporation is a name that’s synonymous with wholesale and is a company that has created hundreds of thousands of jobs.  </p> <p lang="EN-US" paraeid="{1194d5e3-e569-404a-bae6-3a9d1e3ab628}{65}" paraid="332370712" xml:lang="EN-US">They have an extensive line of both products and Costco services that business owners can use to efficiently run their businesses while capitalizing on wholesale deals with member privileges.  </p> <p lang="EN-US" paraeid="{1194d5e3-e569-404a-bae6-3a9d1e3ab628}{83}" paraid="1215202919" xml:lang="EN-US">Here are some examples of products you can buy with a Costco membership: </p> <ul> <li lang="EN-US" paraeid="{1194d5e3-e569-404a-bae6-3a9d1e3ab628}{101}" paraid="1201479513" xml:lang="EN-US">Office furniture </li> <li lang="EN-US" paraeid="{1194d5e3-e569-404a-bae6-3a9d1e3ab628}{120}" paraid="1348847709" xml:lang="EN-US">Electronics </li> <li lang="EN-US" paraeid="{1194d5e3-e569-404a-bae6-3a9d1e3ab628}{143}" paraid="269311406" xml:lang="EN-US">Printers </li> <li lang="EN-US" paraeid="{1194d5e3-e569-404a-bae6-3a9d1e3ab628}{166}" paraid="1224760432" xml:lang="EN-US">Stationary items </li> <li lang="EN-US" paraeid="{1194d5e3-e569-404a-bae6-3a9d1e3ab628}{189}" paraid="1093879175" xml:lang="EN-US">Shipping supplies </li> <li lang="EN-US" paraeid="{1194d5e3-e569-404a-bae6-3a9d1e3ab628}{212}" paraid="1501347616" xml:lang="EN-US">Consumer staples like cleaning personal care products </li> <li lang="EN-US" paraeid="{1194d5e3-e569-404a-bae6-3a9d1e3ab628}{235}" paraid="1171159907" xml:lang="EN-US">Other personal care products like first aid kits </li> </ul> <p lang="EN-US" paraeid="{cd0aa110-d0d2-484d-931a-f7768b66e404}{10}" paraid="1916860205" xml:lang="EN-US">There are also Costco optical products and even a Costco hearing aid center available to those with a membership.  </p> <p lang="EN-US" paraeid="{cd0aa110-d0d2-484d-931a-f7768b66e404}{28}" paraid="757990314" xml:lang="EN-US">And here are some examples of services you get as a business member: </p> <ul> <li lang="EN-US" paraeid="{cd0aa110-d0d2-484d-931a-f7768b66e404}{46}" paraid="1791472886" xml:lang="EN-US">Truck rentals </li> <li lang="EN-US" paraeid="{cd0aa110-d0d2-484d-931a-f7768b66e404}{65}" paraid="1752328099" xml:lang="EN-US">Payment processing </li> <li lang="EN-US" paraeid="{cd0aa110-d0d2-484d-931a-f7768b66e404}{88}" paraid="526280202" xml:lang="EN-US">Business health insurance </li> <li lang="EN-US" paraeid="{cd0aa110-d0d2-484d-931a-f7768b66e404}{111}" paraid="1090454663" xml:lang="EN-US">Bottled water delivery </li> </ul> <p lang="EN-US" paraeid="{cd0aa110-d0d2-484d-931a-f7768b66e404}{141}" paraid="846175028" xml:lang="EN-US">The Costco Wholesale Corp is a one-stop shop for a wide variety of business products and services, as well as personal care items. Rather than having to jump from vendor to vendor, you can condense many purchases down into just one with a Costco Anywhere Visa Card.  </p> <p lang="EN-US" paraeid="{cd0aa110-d0d2-484d-931a-f7768b66e404}{159}" paraid="1229159421" xml:lang="EN-US">Also, due to the large number of Costco warehouse stores, with <a href="https://investor.costco.com/company-profile/default.aspx" rel="noreferrer noopener" target="_blank">602 locations</a> across the US and Puerto Rico alone, there’s a good chance that one is within close proximity to your business.  </p> <p lang="EN-US" paraeid="{cd0aa110-d0d2-484d-931a-f7768b66e404}{177}" paraid="931498621" xml:lang="EN-US">If not, you can make purchases through the <a href="https://www.costcobusinessdelivery.com/" rel="noreferrer noopener" target="_blank">Costco Business Center</a> and cash in on discounts and savings.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{cd0aa110-d0d2-484d-931a-f7768b66e404}{191}" paraid="771457016" role="heading" xml:lang="EN-US"><a id="Business Owners Get Attractive Rewards " name="Business Owners Get Attractive Rewards ">Business Owners Get Attractive Rewards </a></h2> <p lang="EN-US" paraeid="{cd0aa110-d0d2-484d-931a-f7768b66e404}{209}" paraid="1639424643" xml:lang="EN-US">To further add to the appeal of a Costco business credit card, members get robust benefits, including the following: </p> <ul> <li lang="EN-US" paraeid="{cd0aa110-d0d2-484d-931a-f7768b66e404}{227}" paraid="404340630" xml:lang="EN-US">“<a href="https://www.citi.com/credit-cards/citi-costco-anywhere-visa-business-credit-card" rel="noreferrer noopener" target="_blank">4% cash back</a> on eligible gas and EV charging purchases worldwide for the first $7,000 per year and then 1% thereafter </li> <li lang="EN-US" paraeid="{cd0aa110-d0d2-484d-931a-f7768b66e404}{246}" paraid="1803731685" xml:lang="EN-US">3% cash back on restaurant and eligible travel purchases worldwide </li> <li lang="EN-US" paraeid="{b0ce829e-23b8-43b7-8f4f-c0b7f1786e79}{14}" paraid="1436604963" xml:lang="EN-US">2% cash back on all other purchases from a Costco warehouse and Costco.com </li> <li lang="EN-US" paraeid="{b0ce829e-23b8-43b7-8f4f-c0b7f1786e79}{37}" paraid="215718178" xml:lang="EN-US">1% cash back on all other purchases” </li> </ul> <p lang="EN-US" paraeid="{b0ce829e-23b8-43b7-8f4f-c0b7f1786e79}{67}" paraid="832360318" xml:lang="EN-US">On top of that, Costco business credit card membership has no annual fee, as an added plus.  </p> <p lang="EN-US" paraeid="{b0ce829e-23b8-43b7-8f4f-c0b7f1786e79}{85}" paraid="1849670612" xml:lang="EN-US">In terms of interest, there’s currently a 20.49% APR, which is right in line with what the average APR is for <a href="https://www.thebalancemoney.com/average-credit-card-interest-rate-4772408" rel="noreferrer noopener" target="_blank">most business credit cards at 20.46%</a>. </p> <p lang="EN-US" paraeid="{b0ce829e-23b8-43b7-8f4f-c0b7f1786e79}{103}" paraid="1799230929" xml:lang="EN-US">If you’re a business owner who already has a Costco membership or plan on getting a membership in the near future, this credit card is an excellent way to get net 30 terms and build business credit while also capitalizing on attractive rewards.  </p> <p lang="EN-US" paraeid="{b0ce829e-23b8-43b7-8f4f-c0b7f1786e79}{121}" paraid="39742409" xml:lang="EN-US">We can’t say it’s the best business credit, but it’s certainly a solid option.  </p> <p lang="EN-US" paraeid="{b0ce829e-23b8-43b7-8f4f-c0b7f1786e79}{139}" paraid="111409559" xml:lang="EN-US">We also like that Costco's customer service is so efficient. They devote an entire section of their website to customer service, which is great if you need Costco technical help or have questions regarding membership, business delivery, warehouse information, or other inquiries.  </p> <p lang="EN-US" paraeid="{b0ce829e-23b8-43b7-8f4f-c0b7f1786e79}{157}" paraid="1095273666" xml:lang="EN-US">Note that Costco offers privacy choices to customize what personal information is disclosed with your account.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{b0ce829e-23b8-43b7-8f4f-c0b7f1786e79}{171}" paraid="437689661" role="heading" xml:lang="EN-US">Costco Net 30 Account Requirements </h2> <p lang="EN-US" paraeid="{b0ce829e-23b8-43b7-8f4f-c0b7f1786e79}{189}" paraid="564351640" xml:lang="EN-US">The first step to obtaining net 30 terms is becoming a Costco member if you aren’t already. Again, the cost of membership is $60 per year.  </p> <p lang="EN-US" paraeid="{b0ce829e-23b8-43b7-8f4f-c0b7f1786e79}{207}" paraid="1599763377" xml:lang="EN-US">You can find information on business membership and <a href="https://www.costco.com/business-membership---new-member.product.3165.html" rel="noreferrer noopener" target="_blank">join Costco here</a>.  </p> <p lang="EN-US" paraeid="{b0ce829e-23b8-43b7-8f4f-c0b7f1786e79}{221}" paraid="1100786738" xml:lang="EN-US">The other main requirement is having excellent credit — ideally a credit score of 750 or higher.  </p> <p lang="EN-US" paraeid="{b0ce829e-23b8-43b7-8f4f-c0b7f1786e79}{243}" paraid="928211349" xml:lang="EN-US">Admittedly, this can be a barrier for many business owners with less-than-stellar credit. If this is the case, you’ll need to increase your credit score so that it’s in the neighborhood of 750. </p> <p lang="EN-US" paraeid="{94c85d28-0c98-4823-bf10-15883d67e63b}{6}" paraid="887031969" xml:lang="EN-US">Otherwise, you’ll likely need to look for an alternative net 30 account.  </p> <p lang="EN-US" paraeid="{94c85d28-0c98-4823-bf10-15883d67e63b}{24}" paraid="1897372265" xml:lang="EN-US">If you’re interested in a Costco Shop Card, which allows you to carry a balance of up to $2,000, <a href="https://www.costco.com/costco-shop-card" rel="noreferrer noopener" target="_blank">you can find it here</a>.   </p> <p lang="EN-US" paraeid="{94c85d28-0c98-4823-bf10-15883d67e63b}{42}" paraid="959817669" xml:lang="EN-US">Besides that, you need to: </p> <ul> <li lang="EN-US" paraeid="{94c85d28-0c98-4823-bf10-15883d67e63b}{60}" paraid="1440060456" xml:lang="EN-US">Be at least 18 years old </li> <li lang="EN-US" paraeid="{94c85d28-0c98-4823-bf10-15883d67e63b}{79}" paraid="1327759225" xml:lang="EN-US">Have basic company information like a physical US-based address </li> <li lang="EN-US" paraeid="{94c85d28-0c98-4823-bf10-15883d67e63b}{102}" paraid="247306117" xml:lang="EN-US">Have basic personal information like a Social Security number </li> <li lang="EN-US" paraeid="{94c85d28-0c98-4823-bf10-15883d67e63b}{125}" paraid="1351192116" xml:lang="EN-US">Have proof of adequate income through net sales to make your monthly minimum payments </li> </ul> <p lang="EN-US" paraeid="{94c85d28-0c98-4823-bf10-15883d67e63b}{155}" paraid="617282965" xml:lang="EN-US">According to WalletHub, the minimum monthly payment is <a href="https://wallethub.com/answers/cc/costco-credit-card-minimum-payment-2140748004/#:~:text=The%20Costco%20Credit%20Card%20minimum%20payment%20is%20%2441%20or%201,to%20the%20amount%20you%20owe." rel="noreferrer noopener" target="_blank">$41 or 1%</a> of your statement balance, along with fees and interest (whichever is higher).  </p> <h2 aria-level="2" lang="EN-US" paraeid="{94c85d28-0c98-4823-bf10-15883d67e63b}{169}" paraid="1406737743" role="heading" xml:lang="EN-US">Use eCredable to Build Business Credit Even Quicker </h2> <p lang="EN-US" paraeid="{94c85d28-0c98-4823-bf10-15883d67e63b}{187}" paraid="2106295891" xml:lang="EN-US">Reporting payment history to business credit bureaus through tradelines and credit cards is one of the best ways to build business credit while simultaneously boosting cash flow. </p> <p lang="EN-US" paraeid="{94c85d28-0c98-4823-bf10-15883d67e63b}{205}" paraid="1547307066" xml:lang="EN-US">That said, it has its flaws in the sense that you typically need to buy from 5-10 vendors, and it takes time to build credit.  </p> <p lang="EN-US" paraeid="{94c85d28-0c98-4823-bf10-15883d67e63b}{223}" paraid="527243311" xml:lang="EN-US">Also, some vendors like Costco require excellent credit, which rules out eligibility for many business owners.  </p> <p lang="EN-US" paraeid="{94c85d28-0c98-4823-bf10-15883d67e63b}{241}" paraid="2046995800" xml:lang="EN-US">A simple yet highly effective way to expedite the process is to use eCredable to turn your bills into business tradelines.  </p> <p lang="EN-US" paraeid="{6e781482-ae3a-461d-a536-da48512f2101}{4}" paraid="1535968908" xml:lang="EN-US">With eCredable, all you have to do is pay your business bills, such as electric, water, gas, and internet as you would normally, and your payments will automatically be reported to business credit bureaus.  </p> <p lang="EN-US" paraeid="{6e781482-ae3a-461d-a536-da48512f2101}{22}" paraid="638624554" xml:lang="EN-US">So if you’re already making payments like these, you can easily build business credit with no extra effort. On average, business owners who use eCredable can raise their business credit scores by 40% within the first three months.  </p> <p lang="EN-US" paraeid="{6e781482-ae3a-461d-a536-da48512f2101}{40}" paraid="1449994294" xml:lang="EN-US">You can find a full overview of how eCredable works and <a href="https://business.ecredable.com/" rel="noreferrer noopener" target="_blank">how to get started here</a>.  </p> <grammarly-desktop-integration data-grammarly-shadow-root="true"></grammarly-desktop-integration></body> </html> 774AutoZone Net 30 Reviewhttps://business.ecredable.com/resources/blog/postid/769/autozone-net-30Business Credit,Business Credit Vendors,Business TradelinesWed, 06 Mar 2024 08:00:00 GMT<html> <head> <title></title> </head> <body data-gr-ext-installed="" data-new-gr-c-s-check-loaded="14.1155.0"> <h1 lang="EN-US" paraeid="{7c268287-baf4-4b1a-b2a3-10b28586199c}{209}" paraid="583215654" xml:lang="EN-US">AutoZone Net 30 Review </h1> <p lang="EN-US" paraeid="{63bc14e8-5ee7-45ab-b458-b584d69bf516}{2}" paraid="443613118" xml:lang="EN-US">Whether you’re a small business owner with a few company vehicles or a larger organization with an entire fleet, vehicle maintenance is essential.  </p> <p lang="EN-US" paraeid="{63bc14e8-5ee7-45ab-b458-b584d69bf516}{18}" paraid="1045962097" xml:lang="EN-US">AutoZone is a net 30 vendor that offers financing on a wide variety of auto parts to keep your vehicles running smoothly while also building credit.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{63bc14e8-5ee7-45ab-b458-b584d69bf516}{29}" paraid="2044599143" role="heading" xml:lang="EN-US">Our AutoZone Net 30 Review </h2> <p lang="EN-US" paraeid="{63bc14e8-5ee7-45ab-b458-b584d69bf516}{44}" paraid="446432206" xml:lang="EN-US">With a huge auto parts inventory, a $10,000 credit limit, and reasonable eligibility requirements, AutoZone is a top vendor for monthly financing.  </p> <p lang="EN-US" paraeid="{63bc14e8-5ee7-45ab-b458-b584d69bf516}{60}" paraid="1568951884" xml:lang="EN-US">The main downside is that they lack transparency with their credit bureau reporting, and they have a slightly outdated credit application process.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{63bc14e8-5ee7-45ab-b458-b584d69bf516}{71}" paraid="1425115545" role="heading" xml:lang="EN-US">The Biggest Reasons to Get an Autozone Net 30 Account: </h2> <p lang="EN-US" paraeid="{63bc14e8-5ee7-45ab-b458-b584d69bf516}{86}" paraid="1463474281" xml:lang="EN-US">      - <a href="#Access to a Massive Line of Auto Parts ">Access to a Massive Line of Auto Parts </a></p> <p lang="EN-US" paraeid="{63bc14e8-5ee7-45ab-b458-b584d69bf516}{109}" paraid="851171001" xml:lang="EN-US">      - <a href="#It’s Easy for Companies to Get Quality Automotive Maintenance While Building Credit ">It’s Easy for Companies to Get Quality Auto Maintenance While Building Credit </a></p> <p lang="EN-US" paraeid="{63bc14e8-5ee7-45ab-b458-b584d69bf516}{129}" paraid="756575110" xml:lang="EN-US">      - <a href="#Up to a $10,000 Credit Limit ">Up to a $10,000 Credit Limit </a></p> <h2 aria-level="2" lang="EN-US" paraeid="{63bc14e8-5ee7-45ab-b458-b584d69bf516}{149}" paraid="1187667724" role="heading" xml:lang="EN-US"><a id="Access to a Massive Line of Auto Parts " name="Access to a Massive Line of Auto Parts ">Access to a Massive Line of Auto Parts </a></h2> <p lang="EN-US" paraeid="{63bc14e8-5ee7-45ab-b458-b584d69bf516}{167}" paraid="1281070377" xml:lang="EN-US">AutoZone Inc (rights reserved) was founded in 1979 and currently has over 7,000 stores across the US, Mexico, Puerto Rico, and other parts of Latin America.  </p> <p lang="EN-US" paraeid="{63bc14e8-5ee7-45ab-b458-b584d69bf516}{183}" paraid="140277435" xml:lang="EN-US">Since 1995, the company has been run by CEO Bill Rhodes, who has been <a href="https://www.forbes.com/pictures/fjgf45edke/william-bill-rhodes-of-a/?sh=7f2bc7931b83" rel="noreferrer noopener" target="_blank">listed by Forbes</a> as one of the world’s best-performing CEOs.  </p> <p lang="EN-US" paraeid="{63bc14e8-5ee7-45ab-b458-b584d69bf516}{199}" paraid="1862468283" xml:lang="EN-US">It, along with Advance Auto Parts and AutoShack, is one of today’s largest auto parts stores and carries a wide selection of products for commercial customers.  </p> <p lang="EN-US" paraeid="{63bc14e8-5ee7-45ab-b458-b584d69bf516}{215}" paraid="57821280" xml:lang="EN-US">Some examples include: </p> <ul> <li lang="EN-US" paraeid="{63bc14e8-5ee7-45ab-b458-b584d69bf516}{231}" paraid="1950988457" xml:lang="EN-US">Car batteries </li> <li lang="EN-US" paraeid="{63bc14e8-5ee7-45ab-b458-b584d69bf516}{247}" paraid="814535133" xml:lang="EN-US">Brakes </li> <li lang="EN-US" paraeid="{6fd86c33-5916-46b0-8d5a-15280071687b}{12}" paraid="1627139828" xml:lang="EN-US">Body products </li> <li lang="EN-US" paraeid="{6fd86c33-5916-46b0-8d5a-15280071687b}{32}" paraid="1102600040" xml:lang="EN-US">Vehicle heating and cooling products </li> <li lang="EN-US" paraeid="{6fd86c33-5916-46b0-8d5a-15280071687b}{52}" paraid="1575487835" xml:lang="EN-US">Electrical and lighting </li> <li lang="EN-US" paraeid="{6fd86c33-5916-46b0-8d5a-15280071687b}{72}" paraid="2099562638" xml:lang="EN-US">Emission control and exhaust </li> <li lang="EN-US" paraeid="{6fd86c33-5916-46b0-8d5a-15280071687b}{92}" paraid="888750702" xml:lang="EN-US">Filters </li> <li lang="EN-US" paraeid="{6fd86c33-5916-46b0-8d5a-15280071687b}{112}" paraid="300728250" xml:lang="EN-US">Aftermarket auto parts </li> <li lang="EN-US" paraeid="{6fd86c33-5916-46b0-8d5a-15280071687b}{132}" paraid="1130559672" xml:lang="EN-US">Automotive hard parts </li> </ul> <p lang="EN-US" paraeid="{6fd86c33-5916-46b0-8d5a-15280071687b}{160}" paraid="980726068" xml:lang="EN-US">Besides that, AutoZone also carries interior and exterior accessories, oil, vehicle tools, and even some non automotive parts, making this auto parts retailer a one-stop shop for fleet maintenance items.  </p> <p lang="EN-US" paraeid="{6fd86c33-5916-46b0-8d5a-15280071687b}{176}" paraid="196049920" xml:lang="EN-US">Whether visiting a physical AutoZone store or shopping online, you can find nearly anything you need to optimize vehicle performance.  </p> <p lang="EN-US" paraeid="{6fd86c33-5916-46b0-8d5a-15280071687b}{192}" paraid="1280650921" xml:lang="EN-US">We also like that AutoZone offers consistent deals with clearance sale promotions, oil change specials, discounts, coupons, and rebates to help your money go further.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{6fd86c33-5916-46b0-8d5a-15280071687b}{203}" paraid="707344753" role="heading" xml:lang="EN-US"><a id="It’s Easy for Companies to Get Quality Automotive Maintenance While Building Credit " name="It’s Easy for Companies to Get Quality Automotive Maintenance While Building Credit ">It’s Easy for Companies to Get Quality Automotive Maintenance While Building Credit </a></h2> <p lang="EN-US" paraeid="{6fd86c33-5916-46b0-8d5a-15280071687b}{218}" paraid="389625179" xml:lang="EN-US">Let’s make a quick clarification. AutoZone doesn’t technically have a net 30 program in the conventional sense. They do, however, offer <a href="https://www.autozonepro.com/info/about/Support-and-Services.jsp" rel="noreferrer noopener" target="_blank">a credit program</a> with “daily, weekly, and monthly billing cycles available.” </p> <p lang="EN-US" paraeid="{6fd86c33-5916-46b0-8d5a-15280071687b}{234}" paraid="827881047" xml:lang="EN-US">Therefore, you can apply for a monthly billing cycle, which is the equivalent of having net 30 terms. That’s why we’re including AutoZone as a net 30 vendor.  </p> <p lang="EN-US" paraeid="{6fd86c33-5916-46b0-8d5a-15280071687b}{250}" paraid="695633555" xml:lang="EN-US">If you’re looking for a list of traditional <a href="https://business.ecredable.com/resources/blog/net-30-accounts" rel="noreferrer noopener" target="_blank">net 30 accounts</a>, here are some vendors we recommend. </p> <ul> <li lang="EN-US" paraeid="{2fbc0c65-fa92-4b9d-a355-4d269eb09d7e}{11}" paraid="578525874" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/crown-office-supplies-net-30" rel="noreferrer noopener" target="_blank">Crown Office Supplies Net 30</a> </li> <li lang="EN-US" paraeid="{2fbc0c65-fa92-4b9d-a355-4d269eb09d7e}{27}" paraid="1141907874" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/uline-net-30" rel="noreferrer noopener" target="_blank">Uline Net 30</a> </li> <li lang="EN-US" paraeid="{2fbc0c65-fa92-4b9d-a355-4d269eb09d7e}{47}" paraid="1193988913" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/grainger-net-30" rel="noreferrer noopener" target="_blank">Grainger Net 30</a> </li> <li lang="EN-US" paraeid="{2fbc0c65-fa92-4b9d-a355-4d269eb09d7e}{67}" paraid="930398296" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/quill-net-30" rel="noreferrer noopener" target="_blank">Quill Net 30</a> </li> <li lang="EN-US" paraeid="{2fbc0c65-fa92-4b9d-a355-4d269eb09d7e}{87}" paraid="123011772" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/home-depot-net-30" rel="noreferrer noopener" target="_blank">Home Depot Net 30</a> </li> </ul> <p lang="EN-US" paraeid="{2fbc0c65-fa92-4b9d-a355-4d269eb09d7e}{115}" paraid="1761817513" xml:lang="EN-US">Getting monthly financing from AutoZone serves multiple purposes because you 1) can get quality automotive replacement parts from one convenient vendor to boost cash flow and 2) build business credit at the same time.  </p> <p lang="EN-US" paraeid="{2fbc0c65-fa92-4b9d-a355-4d269eb09d7e}{131}" paraid="1951431177" xml:lang="EN-US">By making payments on time or in advance, this will be reported to at least one credit bureau, which should help raise your business credit score.  </p> <p lang="EN-US" paraeid="{2fbc0c65-fa92-4b9d-a355-4d269eb09d7e}{147}" paraid="921170796" xml:lang="EN-US">In turn, this should open the door for future business financing, helping you obtain more favorable rates and terms. Also, it frees up capital that you can spend on other areas of business like revving up your marketing efforts.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{2fbc0c65-fa92-4b9d-a355-4d269eb09d7e}{158}" paraid="153216204" role="heading" xml:lang="EN-US"><a id="Up to a $10,000 Credit Limit " name="Up to a $10,000 Credit Limit ">Up to a $10,000 Credit Limit </a></h2> <p lang="EN-US" paraeid="{2fbc0c65-fa92-4b9d-a355-4d269eb09d7e}{173}" paraid="608814110" xml:lang="EN-US">According to AAA, the average vehicle costs <a href="https://www.aaa.com/autorepair/articles/what-does-it-cost-to-own-and-operate-a-car" rel="noreferrer noopener" target="_blank">$792 per year</a> to maintain. When done at scale, these costs can quickly add up.  </p> <p lang="EN-US" paraeid="{2fbc0c65-fa92-4b9d-a355-4d269eb09d7e}{189}" paraid="1650530682" xml:lang="EN-US">Having a $10,000 credit limit offers business owners a sizable amount of financing to ensure they can cover vehicle maintenance costs while offering payment flexibility with monthly payment options.  </p> <p lang="EN-US" paraeid="{2fbc0c65-fa92-4b9d-a355-4d269eb09d7e}{205}" paraid="1437646620" xml:lang="EN-US">In terms of minimum purchase requirements, AutoZone doesn’t state what that is. However, the average minimum purchase for most net 30 vendors ranges somewhere between $50 and $100.  </p> <p lang="EN-US" paraeid="{2fbc0c65-fa92-4b9d-a355-4d269eb09d7e}{221}" paraid="1513317447" xml:lang="EN-US">So that’s about what you can expect if you’re looking to spend the minimum and still build business credit.  </p> <p lang="EN-US" paraeid="{2fbc0c65-fa92-4b9d-a355-4d269eb09d7e}{237}" paraid="994157510" xml:lang="EN-US">As for credit bureau reporting, AutoZone doesn’t state exactly who they report to (e.g. Dun & Bradstreet, Experian Business, or Equifax Business). But on their business credit application, they mention that they do report to credit bureaus.  </p> <p lang="EN-US" paraeid="{2fbc0c65-fa92-4b9d-a355-4d269eb09d7e}{253}" paraid="1251798078" xml:lang="EN-US">While we don’t know exactly who they report to and they lack transparency, we can verify that they report to at least one business credit bureau.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{af57ac46-f32e-4d37-ab9d-5ca17c4415fc}{9}" paraid="175085643" role="heading" xml:lang="EN-US">AutoZone Net 30 Account Requirements </h2> <p lang="EN-US" paraeid="{af57ac46-f32e-4d37-ab9d-5ca17c4415fc}{24}" paraid="1395558111" xml:lang="EN-US">To be approved for an account, you must: </p> <ul> <li lang="EN-US" paraeid="{af57ac46-f32e-4d37-ab9d-5ca17c4415fc}{40}" paraid="431517882" xml:lang="EN-US">Have a D&B PAYDEX score of at least 80 </li> <li lang="EN-US" paraeid="{af57ac46-f32e-4d37-ab9d-5ca17c4415fc}{56}" paraid="2100550877" xml:lang="EN-US">Need to operate a brick-and-mortar store, as opposed to a strictly e-commerce store </li> <li lang="EN-US" paraeid="{af57ac46-f32e-4d37-ab9d-5ca17c4415fc}{76}" paraid="1701288650" xml:lang="EN-US">Have been in business for at least six months </li> <li lang="EN-US" paraeid="{af57ac46-f32e-4d37-ab9d-5ca17c4415fc}{96}" paraid="898179387" xml:lang="EN-US">Have a registered business name </li> <li lang="EN-US" paraeid="{af57ac46-f32e-4d37-ab9d-5ca17c4415fc}{116}" paraid="1125241999" xml:lang="EN-US">Have a physical business address </li> <li lang="EN-US" paraeid="{af57ac46-f32e-4d37-ab9d-5ca17c4415fc}{136}" paraid="858336050" xml:lang="EN-US">Provide a Federal ID number </li> <li lang="EN-US" paraeid="{af57ac46-f32e-4d37-ab9d-5ca17c4415fc}{156}" paraid="1116660916" xml:lang="EN-US">Provide trade references </li> </ul> <p lang="EN-US" paraeid="{af57ac46-f32e-4d37-ab9d-5ca17c4415fc}{184}" paraid="1105411695" xml:lang="EN-US">Also, on the credit application, this vendor asks for basic personal information and banking information.  </p> <p lang="EN-US" paraeid="{af57ac46-f32e-4d37-ab9d-5ca17c4415fc}{200}" paraid="913114793" xml:lang="EN-US">However, they do not ask for information regarding:  </p> <ul> <li lang="EN-US" paraeid="{af57ac46-f32e-4d37-ab9d-5ca17c4415fc}{216}" paraid="373086147" xml:lang="EN-US">Invested capital </li> <li lang="EN-US" paraeid="{af57ac46-f32e-4d37-ab9d-5ca17c4415fc}{232}" paraid="1838093922" xml:lang="EN-US">Market value or market share </li> <li lang="EN-US" paraeid="{af57ac46-f32e-4d37-ab9d-5ca17c4415fc}{252}" paraid="1990579377" xml:lang="EN-US">Net sales </li> <li lang="EN-US" paraeid="{ea01695e-dff5-480f-a942-6ce1f16120d4}{17}" paraid="114872656" xml:lang="EN-US">Net income </li> <li lang="EN-US" paraeid="{ea01695e-dff5-480f-a942-6ce1f16120d4}{37}" paraid="1285539972" xml:lang="EN-US">Net worth </li> <li lang="EN-US" paraeid="{ea01695e-dff5-480f-a942-6ce1f16120d4}{57}" paraid="1491392779" xml:lang="EN-US">Fiscal year earnings from the prior year or recent years </li> <li lang="EN-US" paraeid="{ea01695e-dff5-480f-a942-6ce1f16120d4}{77}" paraid="1680473352" xml:lang="EN-US">Gross profit/gross margin/revenue per quarter  </li> <li lang="EN-US" paraeid="{ea01695e-dff5-480f-a942-6ce1f16120d4}{97}" paraid="105263734" xml:lang="EN-US">Retail sale information </li> <li lang="EN-US" paraeid="{ea01695e-dff5-480f-a942-6ce1f16120d4}{117}" paraid="2093748255" xml:lang="EN-US">Asset information </li> <li lang="EN-US" paraeid="{ea01695e-dff5-480f-a942-6ce1f16120d4}{206}" paraid="2063968693" xml:lang="EN-US">Common stock information </li> <li lang="EN-US" paraeid="{ea01695e-dff5-480f-a942-6ce1f16120d4}{226}" paraid="1194262648" xml:lang="EN-US">Information regarding individual investors </li> </ul> <p lang="EN-US" paraeid="{ea01695e-dff5-480f-a942-6ce1f16120d4}{254}" paraid="436639714" xml:lang="EN-US">Minus requiring business owners to be low-risk borrowers with a PAYDEX score of 80 or higher, AutoZone is pretty lenient with their account requirements.  </p> <p lang="EN-US" paraeid="{7c0d7abf-0fa0-42c7-8e9d-29511f80cd80}{15}" paraid="1043828372" xml:lang="EN-US">Considering that you only need to have been in business for six months, this makes them a great vendor for newer businesses and startups. </p> <p lang="EN-US" paraeid="{7c0d7abf-0fa0-42c7-8e9d-29511f80cd80}{31}" paraid="1121422944" xml:lang="EN-US">You can find an <a href="https://www.autozonepro.com/images/MEDIA_CustomProductCatalog/m3110031_AutoZoneBusinessCreditApp.pdf" rel="noreferrer noopener" target="_blank">AutoZone business credit application here</a>.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{7c0d7abf-0fa0-42c7-8e9d-29511f80cd80}{42}" paraid="2117559955" role="heading" xml:lang="EN-US">Build Business Credit Quickly with eCredable </h2> <p lang="EN-US" paraeid="{7c0d7abf-0fa0-42c7-8e9d-29511f80cd80}{57}" paraid="1912263848" xml:lang="EN-US">There’s no doubt that net 30 accounts are a great way to build business credit. The only problem is that you typically need 5-10 vendor tradelines to get the ball rolling, and it often takes up to 45 days to see tangible results.   </p> <p lang="EN-US" paraeid="{7c0d7abf-0fa0-42c7-8e9d-29511f80cd80}{73}" paraid="491077206" xml:lang="EN-US">One way to build business credit quicker is by turning existing business bills into tradelines with eCredable.  </p> <p lang="EN-US" paraeid="{7c0d7abf-0fa0-42c7-8e9d-29511f80cd80}{89}" paraid="339463429" xml:lang="EN-US">After signing up, eCredable will attempt to download up to the last 24 months of business bills, such as electric, water, gas, and internet, and report them to business credit bureaus.  </p> <p lang="EN-US" paraeid="{7c0d7abf-0fa0-42c7-8e9d-29511f80cd80}{105}" paraid="1076185857" xml:lang="EN-US">By doing so, business owners can get a significant business credit bump, often within one week. And within three months, business owners can raise their business credit scores by as much as 40%. </p> <p lang="EN-US" paraeid="{7c0d7abf-0fa0-42c7-8e9d-29511f80cd80}{121}" paraid="772677425" xml:lang="EN-US">You can <a href="https://business.ecredable.com/" rel="noreferrer noopener" target="_blank">learn more about eCredable here</a>.    </p> <p lang="EN-US" paraeid="{7c268287-baf4-4b1a-b2a3-10b28586199c}{203}" paraid="191905175" xml:lang="EN-US"> </p> </body> <grammarly-desktop-integration data-grammarly-shadow-root="true"></grammarly-desktop-integration></html> 769Can I Get a Business Credit Card with Bad Personal Credit?https://business.ecredable.com/resources/blog/postid/768/can-i-get-a-business-credit-card-with-bad-personal-creditBusiness Credit,Business Credit Vendors,Business Tradelines,GeneralMon, 04 Mar 2024 08:00:00 GMT<html> <head> <title></title> </head> <body data-gr-ext-installed="" data-new-gr-c-s-check-loaded="14.1155.0"> <h1 lang="EN-US" paraeid="{03f702dd-42b6-44bf-8a4d-73967696912d}{4}" paraid="990964410" xml:lang="EN-US">Can I Get a Business Credit Card with Bad Personal Credit? </h1> <p lang="EN-US" paraeid="{03f702dd-42b6-44bf-8a4d-73967696912d}{57}" paraid="1131640290" xml:lang="EN-US">The short answer is, yes.  </p> <p lang="EN-US" paraeid="{03f702dd-42b6-44bf-8a4d-73967696912d}{73}" paraid="1780577168" xml:lang="EN-US">It is possible with bad credit. But it’s not easy. </p> <p lang="EN-US" paraeid="{03f702dd-42b6-44bf-8a4d-73967696912d}{89}" paraid="229392005" xml:lang="EN-US">We’ve already covered similar building business credit topics in our previous articles, <em><a href="https://business.ecredable.com/resources/blog/how-to-build-business-credit-with-bad-personal-credit" rel="noreferrer noopener" target="_blank">How to Build Business Credit with Bad Personal Credit</a></em> and <em><a href="https://business.ecredable.com/resources/blog/how-to-build-business-credit-without-using-personal-credit" rel="noreferrer noopener" target="_blank">How to Build Business Credit Without Using Personal Credit</a></em>.  </p> <p lang="EN-US" paraeid="{03f702dd-42b6-44bf-8a4d-73967696912d}{105}" paraid="1445669791" xml:lang="EN-US">For this post, we’ll lean more into these strategies, while discussing how to go about getting a business card even if you have bad credit or are rebuilding credit.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{03f702dd-42b6-44bf-8a4d-73967696912d}{116}" paraid="1257367550" role="heading" xml:lang="EN-US">The Difference Between Personal Credit and Business Credit </h2> <p lang="EN-US" paraeid="{03f702dd-42b6-44bf-8a4d-73967696912d}{131}" paraid="112037112" xml:lang="EN-US">There are four main differences that small business owners need to know.  </p> <p lang="EN-US" paraeid="{03f702dd-42b6-44bf-8a4d-73967696912d}{147}" paraid="643069760" xml:lang="EN-US">First, personal credit is linked to your Social Security number, while business credit is linked to your EIN or Tax ID.  </p> <p lang="EN-US" paraeid="{03f702dd-42b6-44bf-8a4d-73967696912d}{163}" paraid="1128825191" xml:lang="EN-US">Second, personal credit is affected by different factors than business credit credit, such as: </p> <ul> <li lang="EN-US" paraeid="{03f702dd-42b6-44bf-8a4d-73967696912d}{179}" paraid="1198907668" xml:lang="EN-US">Personal credit history </li> <li lang="EN-US" paraeid="{03f702dd-42b6-44bf-8a4d-73967696912d}{202}" paraid="2136429788" xml:lang="EN-US">Personal credit length </li> <li lang="EN-US" paraeid="{03f702dd-42b6-44bf-8a4d-73967696912d}{222}" paraid="973610246" xml:lang="EN-US">Credit utilization ratio on a secured credit card or unsecured card </li> </ul> <p lang="EN-US" paraeid="{03f702dd-42b6-44bf-8a4d-73967696912d}{250}" paraid="1034477525" xml:lang="EN-US">A business credit score, on the other hand, is affected by the following: </p> <ul> <li lang="EN-US" paraeid="{c2d0aa65-936c-418b-aad5-91479bebd5ab}{11}" paraid="287484551" xml:lang="EN-US">Business credit history </li> <li lang="EN-US" paraeid="{c2d0aa65-936c-418b-aad5-91479bebd5ab}{27}" paraid="736003868" xml:lang="EN-US">Age of business </li> <li lang="EN-US" paraeid="{c2d0aa65-936c-418b-aad5-91479bebd5ab}{47}" paraid="970387515" xml:lang="EN-US">Industry risk </li> <li lang="EN-US" paraeid="{c2d0aa65-936c-418b-aad5-91479bebd5ab}{67}" paraid="524071567" xml:lang="EN-US">Whether or not you have a history of delinquent payments, bankruptcies, liens, or other issues that indicate bad credit  </li> </ul> <p lang="EN-US" paraeid="{c2d0aa65-936c-418b-aad5-91479bebd5ab}{87}" paraid="1242910834" xml:lang="EN-US">And third, the two types of credit are reported to different credit bureaus.  </p> <p lang="EN-US" paraeid="{c2d0aa65-936c-418b-aad5-91479bebd5ab}{111}" paraid="2033325462" xml:lang="EN-US">Personal credit, for example, is reported to consumer credit bureaus like Equifax, Experian, and TransUnion. There are other credit bureaus, but these are “the big three.” </p> <p lang="EN-US" paraeid="{c2d0aa65-936c-418b-aad5-91479bebd5ab}{127}" paraid="2140454267" xml:lang="EN-US">As for a business credit score, the three major credit bureaus that are reported to are Dun & Bradstreet, Experian Business, and Equifax Business. Creditsafe is another smaller, but still important, business credit bureau. </p> <p lang="EN-US" paraeid="{c2d0aa65-936c-418b-aad5-91479bebd5ab}{143}" paraid="1580793872" xml:lang="EN-US">Finally, personal credit is used to finance expenses like consumer credit cards, personal lines of credit, auto loans, and mortgages.  </p> <p lang="EN-US" paraeid="{c2d0aa65-936c-418b-aad5-91479bebd5ab}{159}" paraid="1142132266" xml:lang="EN-US">Business credit, however, is used to finance business expenses like business credit cards, business loans, and business lines of credit with vendors and suppliers. </p> <h2 aria-level="2" lang="EN-US" paraeid="{c2d0aa65-936c-418b-aad5-91479bebd5ab}{170}" paraid="2132474938" role="heading" xml:lang="EN-US">The Impact Personal Credit Can Have on Business Loans </h2> <p lang="EN-US" paraeid="{c2d0aa65-936c-418b-aad5-91479bebd5ab}{185}" paraid="1480012478" xml:lang="EN-US">While well-established businesses with several years of business credit aren’t heavily impacted by personal credit, this isn’t true for newer small business owners and startups.  </p> <p lang="EN-US" paraeid="{c2d0aa65-936c-418b-aad5-91479bebd5ab}{201}" paraid="1653492197" xml:lang="EN-US">For small business owners who lack strong business credit, most lenders will look closely at personal credit to determine creditworthiness.  </p> <p lang="EN-US" paraeid="{c2d0aa65-936c-418b-aad5-91479bebd5ab}{217}" paraid="1228374277" xml:lang="EN-US">In turn, this determines the likelihood of being approved for business loans. If, for instance, you’re a new small business owner with a good credit history, you’re more likely to be approved for a business loan than if you have bad credit.  </p> <p lang="EN-US" paraeid="{c2d0aa65-936c-418b-aad5-91479bebd5ab}{233}" paraid="24694400" xml:lang="EN-US">Besides loan eligibility, personal credit can also impact the loan amount, terms, and interest rate.  </p> <p lang="EN-US" paraeid="{c2d0aa65-936c-418b-aad5-91479bebd5ab}{249}" paraid="1342672189" xml:lang="EN-US">Let’s say again that you’re a new small business owner with a good credit history. Once approved for a business loan, it would be easier to get a higher loan amount, better loan terms, and a lower interest rate than if you have a poor credit score.  </p> <p lang="EN-US" paraeid="{3994834d-f151-429b-be39-56648d3e9a9f}{10}" paraid="1620675865" xml:lang="EN-US">It’s the same concept when trying to get the best credit cards.  </p> <p lang="EN-US" paraeid="{3994834d-f151-429b-be39-56648d3e9a9f}{26}" paraid="1721700379" xml:lang="EN-US">It’s also easier to get an unsecured business loan with a good credit score than with a bad credit score. So if your personal credit score is less than ideal, you may be forced to get a secured business loan initially.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{3994834d-f151-429b-be39-56648d3e9a9f}{37}" paraid="1458262859" role="heading" xml:lang="EN-US">How to Build Your Business Credit Without Using Personal Credit </h2> <p lang="EN-US" paraeid="{3994834d-f151-429b-be39-56648d3e9a9f}{52}" paraid="1143104238" xml:lang="EN-US">Your first objective should be to separate your business and personal finances.  </p> <p lang="EN-US" paraeid="{3994834d-f151-429b-be39-56648d3e9a9f}{68}" paraid="369500070" xml:lang="EN-US">This starts by doing the following: </p> <ul> <li lang="EN-US" paraeid="{3994834d-f151-429b-be39-56648d3e9a9f}{84}" paraid="320870079" xml:lang="EN-US">Establishing your small business as a legal entity, such as an LLC or corporation </li> <li lang="EN-US" paraeid="{3994834d-f151-429b-be39-56648d3e9a9f}{100}" paraid="310280242" xml:lang="EN-US">Getting an EIN and DUNS number </li> <li lang="EN-US" paraeid="{3994834d-f151-429b-be39-56648d3e9a9f}{120}" paraid="1244627092" xml:lang="EN-US">Opening a separate business bank account  </li> <li lang="EN-US" paraeid="{3994834d-f151-429b-be39-56648d3e9a9f}{140}" paraid="915079189" xml:lang="EN-US">Using a separate credit card for business expenses (secured card or unsecured card) </li> <li lang="EN-US" paraeid="{3994834d-f151-429b-be39-56648d3e9a9f}{160}" paraid="242727327" xml:lang="EN-US">Opening a business line of credit with a vendor or supplier that reports to at least one major business credit bureau </li> </ul> <p lang="EN-US" paraeid="{3994834d-f151-429b-be39-56648d3e9a9f}{188}" paraid="1839701788" xml:lang="EN-US">Another effective way to quickly build your business credit report without using personal credit is to <a href="https://business.ecredable.com/" rel="noreferrer noopener" target="_blank">turn business bills into business credit tradelines with eCredable</a>.  </p> <p lang="EN-US" paraeid="{3994834d-f151-429b-be39-56648d3e9a9f}{204}" paraid="546038681" xml:lang="EN-US">If, for example, you already pay electric, water, gas, and internet bills to run your business, eCredable will report your payment history for a rapid boost to your business credit score.  </p> <p lang="EN-US" paraeid="{3994834d-f151-429b-be39-56648d3e9a9f}{220}" paraid="819914770" xml:lang="EN-US">In many cases, you can even <a href="https://business.ecredable.com/resources/blog/how-to-build-business-credit-in-30-days%20build%20business%20credit%20in%2030%20days" rel="noreferrer noopener" target="_blank">build business credit in 30 days</a>.  </p> <p lang="EN-US" paraeid="{3994834d-f151-429b-be39-56648d3e9a9f}{236}" paraid="35783862" xml:lang="EN-US">Upon signing up, eCredable will attempt to report up to the last two years of payments, which results in an average of a 32-point<em> business credit score</em> increase — all without having to use personal credit.  </p> <p lang="EN-US" paraeid="{3994834d-f151-429b-be39-56648d3e9a9f}{252}" paraid="1476096206" xml:lang="EN-US">In the long run, this can be instrumental in building or rebuilding credit, getting the best credit cards, and accessing other perks.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{b79edb1f-eae7-4820-b065-6dc708b2b1ea}{8}" paraid="1080560517" role="heading" xml:lang="EN-US">3 Things to Avoid When Building Business Credit </h2> <h3 aria-level="3" lang="EN-US" paraeid="{b79edb1f-eae7-4820-b065-6dc708b2b1ea}{23}" paraid="1088116201" role="heading" xml:lang="EN-US">1. Keeping a High Balance on a Credit Card </h3> <p lang="EN-US" paraeid="{b79edb1f-eae7-4820-b065-6dc708b2b1ea}{56}" paraid="1562404623" xml:lang="EN-US">As we mentioned before, your credit utilization ratio heavily impacts your personal credit score.  </p> <p lang="EN-US" paraeid="{b79edb1f-eae7-4820-b065-6dc708b2b1ea}{72}" paraid="191723506" xml:lang="EN-US">Therefore, if you have a high personal credit card balance that exceeds 30% of available credit, this can hurt your personal credit report.  </p> <p lang="EN-US" paraeid="{b79edb1f-eae7-4820-b065-6dc708b2b1ea}{88}" paraid="1988004473" xml:lang="EN-US">And again, if you’re a small business owner just starting out, a lackluster personal credit report can make it difficult to gain momentum when building business credit.  </p> <p lang="EN-US" paraeid="{b79edb1f-eae7-4820-b065-6dc708b2b1ea}{104}" paraid="1733106643" xml:lang="EN-US">To prevent issues, try to maintain a low balance, using no more than 30% of available credit from a credit card issuer.  </p> <h3 aria-level="3" lang="EN-US" paraeid="{b79edb1f-eae7-4820-b065-6dc708b2b1ea}{115}" paraid="2100096600" role="heading" xml:lang="EN-US">2. Multiple Hard Inquiries at Different Times </h3> <p lang="EN-US" paraeid="{b79edb1f-eae7-4820-b065-6dc708b2b1ea}{148}" paraid="1503207565" xml:lang="EN-US">“Having multiple hard inquiries within a short period of time can be predictive of credit risk, so having too many inquiries for different types of credit can result in a lower credit score,” <a href="https://www.experian.com/blogs/ask-experian/do-multiple-loan-inquiries-affect-your-credit-score/" rel="noreferrer noopener" target="_blank">Experian explains</a>.  </p> <p lang="EN-US" paraeid="{b79edb1f-eae7-4820-b065-6dc708b2b1ea}{164}" paraid="1317480885" xml:lang="EN-US">That’s why you should avoid too many hard inquiries at different times, which happens when you apply for things like a personal loan, an auto loan, and a mortgage.  </p> <p lang="EN-US" paraeid="{b79edb1f-eae7-4820-b065-6dc708b2b1ea}{180}" paraid="862198341" xml:lang="EN-US">While this won’t be as detrimental as something like missing a credit card or loan payment, it can negatively impact your personal credit, which can, in turn, make it harder to build good credit. </p> <h3 aria-level="3" lang="EN-US" paraeid="{b79edb1f-eae7-4820-b065-6dc708b2b1ea}{191}" paraid="785533430" role="heading" xml:lang="EN-US">3. Mixing Personal and Business Expenses </h3> <p lang="EN-US" paraeid="{b79edb1f-eae7-4820-b065-6dc708b2b1ea}{224}" paraid="1436725716" xml:lang="EN-US">Also, as we said earlier, it’s important to separate your business and personal expenses.  </p> <p lang="EN-US" paraeid="{b79edb1f-eae7-4820-b065-6dc708b2b1ea}{240}" paraid="472345604" xml:lang="EN-US">For example, using personal credit cards for business expenses won’t help build your business credit history. Instead, you would want to use a small business credit card like the <a href="https://www.bankofamerica.com/smallbusiness/credit-cards/products/cash-rewards-business-credit-card/" rel="noreferrer noopener" target="_blank">Bank of America Business Advantage card</a> specifically for business costs.  </p> <p lang="EN-US" paraeid="{4cd9c784-4f0c-4d51-ad79-4c196115cfea}{1}" paraid="1066387724" xml:lang="EN-US">Besides helping you establish business credit, this makes it easier to track business expenses which can improve bookkeeping.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{4cd9c784-4f0c-4d51-ad79-4c196115cfea}{12}" paraid="1052763751" role="heading" xml:lang="EN-US">What You Should Look for in a Business Credit Card </h2> <p lang="EN-US" paraeid="{4cd9c784-4f0c-4d51-ad79-4c196115cfea}{27}" paraid="1529990653" xml:lang="EN-US">When considering a business credit card, here are some specific things to look for.  </p> <ul> <li lang="EN-US" paraeid="{4cd9c784-4f0c-4d51-ad79-4c196115cfea}{43}" paraid="162317606" xml:lang="EN-US"><strong>Introductory offers </strong>- The best credit cards will have a 0% APR for the initial period or will offer a cashback reward for signing up. An example of a small business credit card with an excellent intro offer is the Bank of America Business Advantage card, which offers 0% APR for the first nine billing cycles.  </li> <li lang="EN-US" paraeid="{4cd9c784-4f0c-4d51-ad79-4c196115cfea}{59}" paraid="959963835" xml:lang="EN-US"><strong>Low APR </strong>- The lower your APR, the less interest you have with a business credit card. According to early 2024 data, <a href="https://wallethub.com/edu/cc/average-credit-card-interest-rate/50841" rel="noreferrer noopener" target="_blank">22.13% was the average APR</a> for business credit cards.  </li> <li lang="EN-US" paraeid="{4cd9c784-4f0c-4d51-ad79-4c196115cfea}{79}" paraid="2054259662" xml:lang="EN-US"><strong>Robust rewards </strong>- Cash back, points, travel rewards, and business-related benefits can help you get the most from a business card. For instance, the Bank of America Business Advantage card offers an impressive 3% cash back, a <a href="https://www.visa.com.ge/en_GE/run-your-business/visa-platinum-business.html" rel="noreferrer noopener" target="_blank">platinum card from Visa</a> offers up to 12% off hotels through Agoda.com, and <a href="https://www.brex.com/product/credit-card?ref_code=pmk_g_g_19486703726_142285094382_kwd-1934782647739_643961337828_brex%20business%20credit%20card_CjwKCAiA8YyuBhBSEiwA5R3-E_8AWMjaxFguJG_yIFnCgeYYT5eLq-TZk9Uu-QCvKcl65skp0YEDgRoC7ZYQAvD_BwE&gad_source=1&gclid=CjwKCAiA8YyuBhBSEiwA5R3-E_8AWMjaxFguJG_yIFnCgeYYT5eLq-TZk9Uu-QCvKcl65skp0YEDgRoC7ZYQAvD_BwE" rel="noreferrer noopener" target="_blank">Brex cash back</a> offers up to 7x back.  </li> <li lang="EN-US" paraeid="{4cd9c784-4f0c-4d51-ad79-4c196115cfea}{99}" paraid="1434494800" xml:lang="EN-US"><strong>No annual fees</strong> - Like some personal credit card options, some business credit cards charge an annual fee that you have to pay each year. Others have no annual fees, which is usually preferable.  </li> </ul> <h2 aria-level="2" lang="EN-US" paraeid="{4cd9c784-4f0c-4d51-ad79-4c196115cfea}{119}" paraid="762954671" role="heading" xml:lang="EN-US">Vendors That Don’t Check Personal Credit </h2> <h3 aria-level="3" lang="EN-US" paraeid="{4cd9c784-4f0c-4d51-ad79-4c196115cfea}{137}" paraid="800760797" role="heading" xml:lang="EN-US">1. The CEO Creative </h3> <p lang="EN-US" paraeid="{4cd9c784-4f0c-4d51-ad79-4c196115cfea}{170}" paraid="428815328" xml:lang="EN-US">In addition to web development services and print services, this vendor sells electronics, office supplies, and office cleaning supplies.  </p> <p lang="EN-US" paraeid="{4cd9c784-4f0c-4d51-ad79-4c196115cfea}{186}" paraid="1560402420" xml:lang="EN-US">By having a <a href="https://net30.theceocreative.com/business-net-30-account-v1?utm_source=google&utm_medium=cpc&utm_id=17880125506&utm_content=140907852713&utm_term=ceo%20creative&creativeId=641091307153&adgroupid=140907852713&targetid=kwd-342526951586&gad_source=1&gclid=CjwKCAiA8YyuBhBSEiwA5R3-E9qTA2skOKjH7oX4Q_nKkg5wKnClxgx5USYZgc0vQ1MDs4fARjqdoxoCNDAQAvD_BwE" rel="noreferrer noopener" target="_blank">net 30 account</a>, you can get up to a $1,100 credit limit, and The CEO Creative reports to Equifax Business and Creditsafe, which can help you build business credit.  </p> <p lang="EN-US" paraeid="{4cd9c784-4f0c-4d51-ad79-4c196115cfea}{202}" paraid="493774570" xml:lang="EN-US">Besides not requiring a personal credit check or personal guarantee, we also like how easy this vendor makes it to apply for a <a href="https://theceocreative.com/business-net-30-account/" rel="noreferrer noopener" target="_blank">net 30 account</a>.  </p> <p lang="EN-US" paraeid="{4cd9c784-4f0c-4d51-ad79-4c196115cfea}{218}" paraid="33358178" xml:lang="EN-US">To qualify, you must simply: </p> <ul> <li lang="EN-US" paraeid="{4cd9c784-4f0c-4d51-ad79-4c196115cfea}{234}" paraid="1982991633" xml:lang="EN-US">Be a US-based business </li> <li lang="EN-US" paraeid="{4cd9c784-4f0c-4d51-ad79-4c196115cfea}{250}" paraid="278353221" xml:lang="EN-US">Have been in business for at least 30 days </li> <li lang="EN-US" paraeid="{d84c1db3-eaaa-4684-bbb8-4f8a9ef34aa6}{15}" paraid="120301848" xml:lang="EN-US">Have a clean business history  </li> <li lang="EN-US" paraeid="{d84c1db3-eaaa-4684-bbb8-4f8a9ef34aa6}{35}" paraid="1437741379" xml:lang="EN-US">Not have a record of late payments that indicate serious poor credit </li> </ul> <p lang="EN-US" paraeid="{d84c1db3-eaaa-4684-bbb8-4f8a9ef34aa6}{63}" paraid="2055647952" xml:lang="EN-US">Just note that there is a $49 annual membership fee.  </p> <h3 aria-level="3" lang="EN-US" paraeid="{d84c1db3-eaaa-4684-bbb8-4f8a9ef34aa6}{74}" paraid="1969688191" role="heading" xml:lang="EN-US">2. Creative Analytics </h3> <p lang="EN-US" paraeid="{d84c1db3-eaaa-4684-bbb8-4f8a9ef34aa6}{107}" paraid="1846838612" xml:lang="EN-US"><a href="https://creativeanalyticsdc.com/net30/" rel="noreferrer noopener" target="_blank">Creative Analytics</a> is a B2B digital marketing agency that offers web design, SEO, and social media marketing. </p> <p lang="EN-US" paraeid="{d84c1db3-eaaa-4684-bbb8-4f8a9ef34aa6}{123}" paraid="837565056" xml:lang="EN-US">If you’re a new business owner looking for net 30 terms on these types of services to build your business credit without having to deal with a personal credit check or personal guarantee, Creative Analytics can be a great option.  </p> <p lang="EN-US" paraeid="{d84c1db3-eaaa-4684-bbb8-4f8a9ef34aa6}{139}" paraid="1817000496" xml:lang="EN-US">They report to Equifax Business and Creditsafe and offer up to a $12,000 credit limit.  </p> <p lang="EN-US" paraeid="{d84c1db3-eaaa-4684-bbb8-4f8a9ef34aa6}{155}" paraid="2138457936" xml:lang="EN-US">To qualify for financing, you must: </p> <ul> <li lang="EN-US" paraeid="{d84c1db3-eaaa-4684-bbb8-4f8a9ef34aa6}{171}" paraid="1548687364" xml:lang="EN-US">Be a US-based business </li> <li lang="EN-US" paraeid="{d84c1db3-eaaa-4684-bbb8-4f8a9ef34aa6}{187}" paraid="1098945841" xml:lang="EN-US">Have been in business for 30 days </li> <li lang="EN-US" paraeid="{d84c1db3-eaaa-4684-bbb8-4f8a9ef34aa6}{207}" paraid="1529358810" xml:lang="EN-US">Have an EIN </li> <li lang="EN-US" paraeid="{d84c1db3-eaaa-4684-bbb8-4f8a9ef34aa6}{227}" paraid="1131066524" xml:lang="EN-US">Have a DUNS number </li> <li lang="EN-US" paraeid="{d84c1db3-eaaa-4684-bbb8-4f8a9ef34aa6}{247}" paraid="1371250950" xml:lang="EN-US">Have an up-to-date state of incorporation registration and verifiable phone number </li> <li lang="EN-US" paraeid="{539dea09-d8d7-4855-9e63-a0f3749cab7c}{12}" paraid="1930913300" xml:lang="EN-US">Not have any derogatory reporting marks that indicate serious bad credit </li> </ul> <p lang="EN-US" paraeid="{539dea09-d8d7-4855-9e63-a0f3749cab7c}{32}" paraid="165093928" xml:lang="EN-US">Also, note that there is a $79 annual fee.  </p> <h3 aria-level="3" lang="EN-US" paraeid="{539dea09-d8d7-4855-9e63-a0f3749cab7c}{51}" paraid="1713658621" role="heading" xml:lang="EN-US">3. NAMYNOT </h3> <p lang="EN-US" paraeid="{539dea09-d8d7-4855-9e63-a0f3749cab7c}{84}" paraid="512315826" xml:lang="EN-US">This is a brand growth and strategy firm that offers several services, including: </p> <ul> <li lang="EN-US" paraeid="{539dea09-d8d7-4855-9e63-a0f3749cab7c}{100}" paraid="640013686" xml:lang="EN-US">Web design </li> <li lang="EN-US" paraeid="{539dea09-d8d7-4855-9e63-a0f3749cab7c}{116}" paraid="309898474" xml:lang="EN-US">Organic lead generation </li> <li lang="EN-US" paraeid="{539dea09-d8d7-4855-9e63-a0f3749cab7c}{136}" paraid="183635718" xml:lang="EN-US">Email marketing </li> <li lang="EN-US" paraeid="{539dea09-d8d7-4855-9e63-a0f3749cab7c}{156}" paraid="1081232557" xml:lang="EN-US">Ad management </li> <li lang="EN-US" paraeid="{539dea09-d8d7-4855-9e63-a0f3749cab7c}{176}" paraid="1679944260" xml:lang="EN-US">Social media </li> </ul> <p lang="EN-US" paraeid="{539dea09-d8d7-4855-9e63-a0f3749cab7c}{196}" paraid="1493293810" xml:lang="EN-US">Like the other vendors, <a href="https://namynot.com/net-30/business-credit-application/" rel="noreferrer noopener" target="_blank">NAMYNOT</a> offers net 30 payment terms with no personal credit check or personal guarantee, allowing you to finance these services while building credit.  </p> <p lang="EN-US" paraeid="{539dea09-d8d7-4855-9e63-a0f3749cab7c}{220}" paraid="853667853" xml:lang="EN-US">As for reporting, they report to Dun & Bradstreet and give business owners a credit limit of up to $10,000.  </p> <p lang="EN-US" paraeid="{539dea09-d8d7-4855-9e63-a0f3749cab7c}{236}" paraid="582069088" xml:lang="EN-US">To be eligible, you must: </p> <ul> <li lang="EN-US" paraeid="{539dea09-d8d7-4855-9e63-a0f3749cab7c}{252}" paraid="276003009" xml:lang="EN-US">Be based in the US </li> <li lang="EN-US" paraeid="{06b989e0-e1af-42c1-b683-e70fdeabbc90}{13}" paraid="1246436660" xml:lang="EN-US">Have been in business for at least 90 days </li> <li lang="EN-US" paraeid="{06b989e0-e1af-42c1-b683-e70fdeabbc90}{33}" paraid="1287359035" xml:lang="EN-US">Have at least 25% ownership in the company </li> <li lang="EN-US" paraeid="{06b989e0-e1af-42c1-b683-e70fdeabbc90}{53}" paraid="149579898" xml:lang="EN-US">Have an EIN  </li> <li lang="EN-US" paraeid="{06b989e0-e1af-42c1-b683-e70fdeabbc90}{73}" paraid="1088391155" xml:lang="EN-US">Have a DUNS number </li> <li lang="EN-US" paraeid="{06b989e0-e1af-42c1-b683-e70fdeabbc90}{93}" paraid="1066183034" xml:lang="EN-US">Be the Authorized Officer </li> <li lang="EN-US" paraeid="{06b989e0-e1af-42c1-b683-e70fdeabbc90}{113}" paraid="1812014436" xml:lang="EN-US">Be registered with your respective state and be in good standing </li> <li lang="EN-US" paraeid="{06b989e0-e1af-42c1-b683-e70fdeabbc90}{133}" paraid="1521371764" xml:lang="EN-US">Not have any negative payment issues </li> <li lang="EN-US" paraeid="{06b989e0-e1af-42c1-b683-e70fdeabbc90}{153}" paraid="87257661" xml:lang="EN-US">Have a completed website, rather than one that’s “Coming Soon” </li> </ul> <h2 aria-level="2" lang="EN-US" paraeid="{06b989e0-e1af-42c1-b683-e70fdeabbc90}{173}" paraid="206461606" role="heading" xml:lang="EN-US">Wrapping Up </h2> <p lang="EN-US" paraeid="{06b989e0-e1af-42c1-b683-e70fdeabbc90}{191}" paraid="1197155610" xml:lang="EN-US">The bottom line is that<em> it is </em>possible to get a business credit card and other forms of financing with bad credit. However, it’s not easy.  </p> <p lang="EN-US" paraeid="{06b989e0-e1af-42c1-b683-e70fdeabbc90}{207}" paraid="991804432" xml:lang="EN-US">If you fall into this camp, there are a few things you can do, such as building your business credit without personal credit and partnering with vendors that don’t perform a personal credit check.  </p> <p lang="EN-US" paraeid="{06b989e0-e1af-42c1-b683-e70fdeabbc90}{223}" paraid="1943939291" xml:lang="EN-US">With all that said, we still recommend striving to build your personal and business credit simultaneously because of how interwoven both types of credit are, especially for newer business owners.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{06b989e0-e1af-42c1-b683-e70fdeabbc90}{234}" paraid="1306005695" role="heading" xml:lang="EN-US">FAQs </h2> <h3 aria-level="3" lang="EN-US" paraeid="{06b989e0-e1af-42c1-b683-e70fdeabbc90}{249}" paraid="1395123327" role="heading" xml:lang="EN-US">Do Credit Card Companies Run Your Personal Credit for a Business Credit Card? </h3> <p aria-level="3" lang="EN-US" paraeid="{05b8ff7b-b542-4f44-82d4-446406093d71}{9}" paraid="2076806253" role="heading" xml:lang="EN-US">Yes. In most cases, credit card companies will run your personal credit when applying for business credit cards.  </p> <p lang="EN-US" paraeid="{05b8ff7b-b542-4f44-82d4-446406093d71}{29}" paraid="1957327230" xml:lang="EN-US">This is especially true for newer small business owners with a limited business credit history.  </p> <p lang="EN-US" paraeid="{05b8ff7b-b542-4f44-82d4-446406093d71}{45}" paraid="1859411550" xml:lang="EN-US">Doing so is integral in helping credit card companies determine the creditworthiness of small business owners when they lack adequate business credit. </p> <p lang="EN-US" paraeid="{05b8ff7b-b542-4f44-82d4-446406093d71}{61}" paraid="1022636764" xml:lang="EN-US">Therefore, if you have bad credit, it can limit the business credit cards you’re eligible for, and you may need to get a secured credit card or one with less-than-ideal terms and conditions.   </p> <h3 aria-level="3" lang="EN-US" paraeid="{05b8ff7b-b542-4f44-82d4-446406093d71}{72}" paraid="1696147976" role="heading" xml:lang="EN-US">What Credit Score Do I Need for a Business Credit Card? </h3> <p aria-level="3" lang="EN-US" paraeid="{05b8ff7b-b542-4f44-82d4-446406093d71}{87}" paraid="1524837618" role="heading" xml:lang="EN-US">While different credit experts will give you different numbers, you’ll generally need a minimum <a href="https://www.bankrate.com/finance/credit-cards/how-to-get-a-business-credit-card-with-bad-personal-credit/" rel="noreferrer noopener" target="_blank">FICO score of 670</a>.  </p> <p lang="EN-US" paraeid="{05b8ff7b-b542-4f44-82d4-446406093d71}{102}" paraid="65290358" xml:lang="EN-US">Having a higher score of 720+ can make you eligible for the best business credit card options with favorable terms and conditions like a Visa credit card.  </p> <p lang="EN-US" paraeid="{05b8ff7b-b542-4f44-82d4-446406093d71}{123}" paraid="327747126" xml:lang="EN-US">Or, if your business is large enough, you may be eligible for a corporate card like the Brex Card, as a corporate card doesn’t typically require a credit check.   </p> <p lang="EN-US" paraeid="{05b8ff7b-b542-4f44-82d4-446406093d71}{139}" paraid="740787601" xml:lang="EN-US">But if you’re a small business, a corporate card probably won’t be an option because you’re unlikely to have the necessary revenue.  </p> <p lang="EN-US" paraeid="{05b8ff7b-b542-4f44-82d4-446406093d71}{155}" paraid="833728191" xml:lang="EN-US">Note that there are a handful of small business credit card options that cater to individuals with bad credit scores as low as 500 — most of which involve secured credit cards.  </p> <p lang="EN-US" paraeid="{05b8ff7b-b542-4f44-82d4-446406093d71}{171}" paraid="1022043569" xml:lang="EN-US">But for the most part, 670 is par for the course for an unsecured credit card.  </p> <h3 aria-level="3" lang="EN-US" paraeid="{05b8ff7b-b542-4f44-82d4-446406093d71}{182}" paraid="1747774270" role="heading" xml:lang="EN-US">How Do I Build My Personal Credit Score? </h3> <p aria-level="3" lang="EN-US" paraeid="{05b8ff7b-b542-4f44-82d4-446406093d71}{197}" paraid="290616980" role="heading" xml:lang="EN-US">Some key strategies for building or rebuilding credit include: </p> <ul> <li lang="EN-US" paraeid="{05b8ff7b-b542-4f44-82d4-446406093d71}{217}" paraid="650788197" xml:lang="EN-US">Starting with a secured credit card and working your way up to an unsecured card </li> <li lang="EN-US" paraeid="{05b8ff7b-b542-4f44-82d4-446406093d71}{233}" paraid="703823354" xml:lang="EN-US">Always making payments on time or in advance </li> <li lang="EN-US" paraeid="{05b8ff7b-b542-4f44-82d4-446406093d71}{253}" paraid="1928236591" xml:lang="EN-US">Using no more than 30% of your available credit on credit cards </li> <li lang="EN-US" paraeid="{cf857d8f-3321-4ba8-b8a9-071d332b1ca6}{18}" paraid="1689968907" xml:lang="EN-US">Reducing your debts </li> <li lang="EN-US" paraeid="{cf857d8f-3321-4ba8-b8a9-071d332b1ca6}{38}" paraid="593838261" xml:lang="EN-US">Diversifying your credit mix </li> </ul> <p lang="EN-US" paraeid="{cf857d8f-3321-4ba8-b8a9-071d332b1ca6}{66}" paraid="1444765151" xml:lang="EN-US">Also, keep older credit accounts open because this increases your amount of available credit, which, by default, decreases your credit utilization ratio.  </p> <p lang="EN-US" paraeid="{cf857d8f-3321-4ba8-b8a9-071d332b1ca6}{82}" paraid="1122722014" xml:lang="EN-US">Besides that, be sure to routinely monitor your credit reports to ensure there are no inaccuracies. If you find any issues, promptly dispute them.  </p> <p lang="EN-US" paraeid="{cf857d8f-3321-4ba8-b8a9-071d332b1ca6}{98}" paraid="136442031" xml:lang="EN-US">These steps combined can help you overcome bad credit and put you on your way to building good business credit as well.  </p> <p lang="EN-US" paraeid="{cf857d8f-3321-4ba8-b8a9-071d332b1ca6}{98}" paraid="136442031" xml:lang="EN-US"> </p> <p lang="EN-US" paraeid="{cf857d8f-3321-4ba8-b8a9-071d332b1ca6}{98}" paraid="136442031" xml:lang="EN-US"> </p> <grammarly-desktop-integration data-grammarly-shadow-root="true"></grammarly-desktop-integration></body> </html> 768Does Business Credit Affect Personal Credit?https://business.ecredable.com/resources/blog/postid/773/does-business-credit-affect-personal-creditBusiness Credit,Business Credit Scores,GeneralSat, 02 Mar 2024 08:00:00 GMT<html> <head> <title></title> </head> <body data-gr-ext-installed="" data-new-gr-c-s-check-loaded="14.1155.0"> <h1 lang="EN-US" paraeid="{6f266e6e-f969-464b-9cd4-d6ae0fe9d4e2}{250}" paraid="401263278" xml:lang="EN-US">Does Business Credit Affect Personal Credit? </h1> <p lang="EN-US" paraeid="{84bdb62c-0089-4e72-8747-8b9430e55aca}{43}" paraid="663984436" xml:lang="EN-US">You’ll often need financing to accomplish your goals as a small business owner, and you should typically aim to secure it with good business credit. Not only is that necessary for the best business loans, but it also limits the risk to your personal credit. </p> <p lang="EN-US" paraeid="{84bdb62c-0089-4e72-8747-8b9430e55aca}{54}" paraid="873800192" xml:lang="EN-US">However, your business credit can affect your personal credit even when you open your commercial accounts in your company’s name. Here’s what you should know about the relationship between the two types of credit to avoid troublesome surprises. </p> <h2 aria-level="2" lang="EN-US" paraeid="{84bdb62c-0089-4e72-8747-8b9430e55aca}{65}" paraid="1108871020" role="heading" xml:lang="EN-US">Business Credit vs. Personal Credit </h2> <p lang="EN-US" paraeid="{84bdb62c-0089-4e72-8747-8b9430e55aca}{80}" paraid="1641512299" xml:lang="EN-US">Business credit and personal credit are technically separate systems, but they’re very similar in structure. In both, creditors are responsible for issuing accounts and reporting account holder activities to their respective credit bureaus. </p> <p lang="EN-US" paraeid="{84bdb62c-0089-4e72-8747-8b9430e55aca}{91}" paraid="1689628686" xml:lang="EN-US">In addition, both personal and commercial credit bureaus compile the data they receive into credit reports, which future creditors can reference to determine whether their applicants are safe lending prospects. </p> <p lang="EN-US" paraeid="{84bdb62c-0089-4e72-8747-8b9430e55aca}{102}" paraid="1243987344" xml:lang="EN-US">All that said, there are significant differences between business and personal credit, starting with the credit bureaus involved. Experian and Equifax are dominant in both arenas, but TransUnion is personal-only and Dun & Bradstreet (D&B) is business-only. </p> <p lang="EN-US" paraeid="{84bdb62c-0089-4e72-8747-8b9430e55aca}{113}" paraid="2028702207" xml:lang="EN-US">Personal credit bureaus are also strictly responsible for creating credit reports and leave the design of credit scores to companies like FICO and VantageScore. However, each business credit bureau publishes its own business credit scores. </p> <p lang="EN-US" paraeid="{84bdb62c-0089-4e72-8747-8b9430e55aca}{124}" paraid="872029907" xml:lang="EN-US">That has led to notable differences between the nature and number of credit scores in each system. There are many more business credit scores in use than personal ones, and they often differ from each other in more significant ways. </p> <p lang="EN-US" paraeid="{84bdb62c-0089-4e72-8747-8b9430e55aca}{135}" paraid="1630781729" xml:lang="EN-US">For example, FICO scores are by far the most popular among consumer lenders. And for the most part, they all use similar scoring factors, like payment history, outstanding account balances, and credit mix. </p> <p lang="EN-US" paraeid="{84bdb62c-0089-4e72-8747-8b9430e55aca}{146}" paraid="47749662" xml:lang="EN-US">Meanwhile, the PAYDEX and Business Failure Score, two popular business credit scores, don’t even use the same scale. PAYDEX ranges from 1 to 100, while the Failure Score is between 1,001 and 1,875. </p> <h2 aria-level="2" lang="EN-US" paraeid="{84bdb62c-0089-4e72-8747-8b9430e55aca}{157}" paraid="1528124535" role="heading" xml:lang="EN-US">How Business Credit Affects Personal Credit </h2> <p lang="EN-US" paraeid="{84bdb62c-0089-4e72-8747-8b9430e55aca}{172}" paraid="1353579250" xml:lang="EN-US">Business and personal credit affect each other in different ways, and only in certain circumstances. While personal credit usually has an indirect influence on business credit, business activities are more likely to affect your personal score directly. </p> <p lang="EN-US" paraeid="{84bdb62c-0089-4e72-8747-8b9430e55aca}{183}" paraid="986315137" xml:lang="EN-US">In fact, it’s very possible for your business activities to appear in your personal credit report, resulting in an increase or decrease in your personal credit score. </p> <p lang="EN-US" paraeid="{84bdb62c-0089-4e72-8747-8b9430e55aca}{194}" paraid="1003453843" xml:lang="EN-US">For example, you usually have to apply for your first few commercial tradelines with your personal score since brand-new business owners don’t have business credit. </p> <p lang="EN-US" paraeid="{84bdb62c-0089-4e72-8747-8b9430e55aca}{205}" paraid="1862860818" xml:lang="EN-US">In that situation, your personal credit history limits the commercial credit accounts you can qualify for, indirectly affecting your business score. However, you’ll also add a hard inquiry to your personal credit report, directly affecting your personal score. </p> <p lang="EN-US" paraeid="{84bdb62c-0089-4e72-8747-8b9430e55aca}{216}" paraid="573958327" xml:lang="EN-US">That’s probably the most common interaction between the two types of credit, but certain business creditors will also report your company’s negative account activity to a consumer credit bureau. </p> <p lang="EN-US" paraeid="{84bdb62c-0089-4e72-8747-8b9430e55aca}{227}" paraid="1709853115" xml:lang="EN-US">Negative activity refers to actions that creditors want to discourage, like making late payments or defaulting on an account. If these show up in your personal credit report, they’ll usually damage your FICO Scores. </p> <p lang="EN-US" paraeid="{84bdb62c-0089-4e72-8747-8b9430e55aca}{238}" paraid="158857835" xml:lang="EN-US">Though it’s less common, some business creditors also report positive business credit activities to a personal credit bureau. That includes things like paying on time and keeping low credit utilization ratios, and your personal score may benefit from them. </p> <h2 aria-level="2" lang="EN-US" paraeid="{84bdb62c-0089-4e72-8747-8b9430e55aca}{249}" paraid="872059703" role="heading" xml:lang="EN-US">Types of Business Financing That Can Affect Personal Credit </h2> <p lang="EN-US" paraeid="{6509a132-ff4c-4387-b3b2-0f0dfdeb2348}{9}" paraid="2050863570" xml:lang="EN-US">Generally, there are two types of business financing that typically affect your personal credit. First, there are business credit card accounts from issuers like American Express, Discover, and Capital One. </p> <p lang="EN-US" paraeid="{6509a132-ff4c-4387-b3b2-0f0dfdeb2348}{20}" paraid="1126156905" xml:lang="EN-US">Every business creditor has its own policy on sharing data with the credit bureaus, and roughly half of the top business credit card issuers report negative business credit card activity to the personal agencies. </p> <p lang="EN-US" paraeid="{6509a132-ff4c-4387-b3b2-0f0dfdeb2348}{31}" paraid="1612530787" xml:lang="EN-US">Though it’s significantly less common, a couple of them also report positive payment activities as well. As we explore in our article <em><a href="https://business.ecredable.com/resources/blog/which-business-credit-cards-do-not-report-personal-credit" rel="noreferrer noopener" target="_blank">Which Business Credit Cards Do Not Report Personal Credit</a></em>, here are the most popular credit card issuers’ policies: </p> <table border="1" cellpadding="1" cellspacing="1" style="width:500px;"> <tbody> <tr> <td><strong>Credit Card Company</strong></td> <td><strong>Positive Activity Reported to Personal Credit</strong></td> <td><strong>Negative Activity Reported to Personal Credit</strong></td> </tr> <tr> <td>American Express</td> <td>No</td> <td>Yes</td> </tr> <tr> <td>Bank of America</td> <td>No</td> <td>No</td> </tr> <tr> <td>Capital One</td> <td>Yes</td> <td>Yes</td> </tr> <tr> <td>Chase</td> <td>No</td> <td>Yes</td> </tr> <tr> <td>Citi</td> <td>No </td> <td>No</td> </tr> <tr> <td>U.S. Bank</td> <td>No</td> <td>No</td> </tr> <tr> <td>Wells Fargo</td> <td>No</td> <td>No</td> </tr> <tr> <td>Discover</td> <td>Yes</td> <td>Yes</td> </tr> </tbody> </table> <p lang="EN-US" paraeid="{2472491e-afd1-469f-a8d2-e7f6939067c3}{203}" paraid="879068196" xml:lang="EN-US"> </p> <p lang="EN-US" paraeid="{2472491e-afd1-469f-a8d2-e7f6939067c3}{203}" paraid="879068196" xml:lang="EN-US">In addition to business credit cards, personally guaranteed business accounts of all types will commonly affect your personal credit. </p> <p lang="EN-US" paraeid="{2472491e-afd1-469f-a8d2-e7f6939067c3}{214}" paraid="1944229093" xml:lang="EN-US">A personal guarantee is an agreement that allows business creditors to recoup their losses by pursuing your personal assets. Business owners often sign them when they lack business credit, as it can help you qualify for accounts. </p> <p lang="EN-US" paraeid="{2472491e-afd1-469f-a8d2-e7f6939067c3}{225}" paraid="2003662563" xml:lang="EN-US">However, it significantly increases the risk to your personal credit. If you default on your business account and the credit card issuer has to pursue you personally, it will definitely appear on your personal credit report and hurt your score. </p> <h2 aria-level="2" lang="EN-US" paraeid="{2472491e-afd1-469f-a8d2-e7f6939067c3}{236}" paraid="1054693083" role="heading" xml:lang="EN-US">Tips for Separating Your Business Credit and Personal Credit </h2> <p lang="EN-US" paraeid="{2472491e-afd1-469f-a8d2-e7f6939067c3}{251}" paraid="32354739" xml:lang="EN-US">It may not be impossible to eliminate the possibility of your business credit affecting your personal credit, but you can significantly reduce your risks by separating the two as much as possible. </p> <p lang="EN-US" paraeid="{94edfa21-e302-40eb-bfcb-0e0da1df15c0}{7}" paraid="655587323" xml:lang="EN-US">For example, as we explore in our article, <em><a href="https://business.ecredable.com/resources/blog/how-to-build-business-credit-without-using-personal-credit" rel="noreferrer noopener" target="_blank">How To Build Business Credit Without Using Personal Credit</a></em>, here are some of the best steps to take: </p> <ul> <li lang="EN-US" paraeid="{94edfa21-e302-40eb-bfcb-0e0da1df15c0}{18}" paraid="1633516388" xml:lang="EN-US"><strong>Establish a separate business entity:</strong> Structure your company as something legally distinct from yourself, like a corporation or an LLC. These offer limited liability protection, but sole proprietorships and partnerships do not. </li> <li lang="EN-US" paraeid="{94edfa21-e302-40eb-bfcb-0e0da1df15c0}{41}" paraid="1107455402" xml:lang="EN-US"><strong>Create a distinct business presence:</strong> You can further establish your business as a separate entity by giving it a separate business bank account, phone number, and mailing address. </li> <li lang="EN-US" paraeid="{94edfa21-e302-40eb-bfcb-0e0da1df15c0}{61}" paraid="861443341" xml:lang="EN-US"><strong>Request a free EIN from the IRS: </strong>An Employer Identification Number (EIN) is a tax ID for your business, like the commercial equivalent of a Social Security Number (SSN). You’ll need one from the Internal Revenue Service (IRS) to apply for business credit in your company’s name. </li> </ul> <p lang="EN-US" paraeid="{94edfa21-e302-40eb-bfcb-0e0da1df15c0}{81}" paraid="1817846898" xml:lang="EN-US">As you establish your company, try to avoid mixing your personal and business activities whenever you can. It’ll minimize the chances of your business credit affecting your personal credit. </p> <h2 aria-level="2" lang="EN-US" paraeid="{94edfa21-e302-40eb-bfcb-0e0da1df15c0}{95}" paraid="1816205007" role="heading" xml:lang="EN-US">Build Business Credit </h2> <p lang="EN-US" paraeid="{94edfa21-e302-40eb-bfcb-0e0da1df15c0}{110}" paraid="1017845830" xml:lang="EN-US">Building business credit is a lot like building personal credit. It generally involves opening a diverse mix of credit accounts and using them responsibly to establish a long and positive track record. </p> <p lang="EN-US" paraeid="{94edfa21-e302-40eb-bfcb-0e0da1df15c0}{121}" paraid="863023514" xml:lang="EN-US">Though you should ideally have fully established your business as a separate entity before you get too deep into the business credit-building process, all you really need is an EIN to get started. </p> <p lang="EN-US" paraeid="{94edfa21-e302-40eb-bfcb-0e0da1df15c0}{132}" paraid="194138183" xml:lang="EN-US">As we discuss in our article <em><a href="https://business.ecredable.com/resources/blog/how-to-build-business-credit-with-bad-personal-credit" rel="noreferrer noopener" target="_blank">How to Build Business Credit with Bad Personal Credit</a></em>, it’s best to target vendor tradelines first. Those are trade credit arrangements that grant you extended repayment terms with specific vendors. </p> <p lang="EN-US" paraeid="{94edfa21-e302-40eb-bfcb-0e0da1df15c0}{143}" paraid="1152037343" xml:lang="EN-US">For example, that would include net 30 accounts, which offer you a month of interest-free financing. These types of accounts are of limited benefit to your cash flow, but they're relatively easy to secure when you lack business credit. </p> <p lang="EN-US" paraeid="{94edfa21-e302-40eb-bfcb-0e0da1df15c0}{154}" paraid="405146869" xml:lang="EN-US">Once you’ve opened a few of these accounts in your company’s name, use them to establish a positive business credit history. That’ll help you qualify for the more beneficial and challenging accounts, like the best credit cards. </p> <p lang="EN-US" paraeid="{94edfa21-e302-40eb-bfcb-0e0da1df15c0}{165}" paraid="190086216" xml:lang="EN-US">Alternatively, you can build business credit without taking on business debt by signing up for eCredable Business Lift. For $19.95 per month, we report your existing business expenses to the business credit bureaus and transform them into vendor tradelines! </p> <p lang="EN-US" paraeid="{94edfa21-e302-40eb-bfcb-0e0da1df15c0}{176}" paraid="1852476993" xml:lang="EN-US">In addition to your ongoing payments, that includes up to 24 months of payment history! As we explore in our piece on <em>How to <a href="https://business.ecredable.com/resources/blog/how-to-build-business-credit-in-30-days" rel="noreferrer noopener" target="_blank">Build Business Credit in 30 Days</a></em>, that makes eCredable one of the only ways to rapidly boost your business credit score. </p> <p lang="EN-US" paraeid="{94edfa21-e302-40eb-bfcb-0e0da1df15c0}{187}" paraid="2068475049" xml:lang="EN-US"><a href="https://business.ecredable.com/join" rel="noreferrer noopener" target="_blank">Sign up today</a> and take the shortcut to better business credit! </p> <h2 aria-level="2" lang="EN-US" paraeid="{94edfa21-e302-40eb-bfcb-0e0da1df15c0}{198}" paraid="532133069" role="heading" xml:lang="EN-US">Best Business Credit Cards That Don’t Impact Personal Credit To Consider </h2> <p lang="EN-US" paraeid="{94edfa21-e302-40eb-bfcb-0e0da1df15c0}{213}" paraid="1571556068" xml:lang="EN-US">Vendor tradelines are excellent tools for building business credit, but business credit cards are often better. Not only can you use them at more than one vendor, but they’re also more effective at building business credit due to their status as financial tradelines. </p> <p lang="EN-US" paraeid="{94edfa21-e302-40eb-bfcb-0e0da1df15c0}{224}" paraid="936309102" xml:lang="EN-US">To receive their benefits without risking your personal credit, you should target accounts that don’t report positive or negative business activities to the personal credit bureaus. </p> <p lang="EN-US" paraeid="{94edfa21-e302-40eb-bfcb-0e0da1df15c0}{235}" paraid="186420147" xml:lang="EN-US">While most business card issuers report at least one or the other, there are a handful of major credit card issuers that don’t. As we discuss in our piece <em><a href="https://business.ecredable.com/resources/blog/do-business-credit-cards-affect-personal-credit" rel="noreferrer noopener" target="_blank">Do Business Credit Cards Affect Personal Credit</a></em>, that includes: </p> <ul> <li lang="EN-US" paraeid="{94edfa21-e302-40eb-bfcb-0e0da1df15c0}{246}" paraid="1835505221" xml:lang="EN-US">Citi </li> <li lang="EN-US" paraeid="{9626f70f-bb79-47a3-84d4-8d4b5034a366}{7}" paraid="1989628819" xml:lang="EN-US">Bank of America </li> <li lang="EN-US" paraeid="{9626f70f-bb79-47a3-84d4-8d4b5034a366}{27}" paraid="1722449039" xml:lang="EN-US">U.S. Bank </li> <li lang="EN-US" paraeid="{9626f70f-bb79-47a3-84d4-8d4b5034a366}{47}" paraid="2131870685" xml:lang="EN-US">Wells Fargo </li> </ul> <p lang="EN-US" paraeid="{9626f70f-bb79-47a3-84d4-8d4b5034a366}{67}" paraid="1420032016" xml:lang="EN-US">Whichever accounts you use to build your business credit, check your business and personal credit reports regularly to ensure things are going smoothly. </p> <p lang="EN-US" paraeid="{9626f70f-bb79-47a3-84d4-8d4b5034a366}{81}" paraid="1694258151" xml:lang="EN-US">You can get your personal reports for free directly from the consumer credit bureaus and buy cheap copies of your business credit report from <a href="https://businesscreditreports.com/" rel="noreferrer noopener" target="_blank">BusinessCreditReports.com</a>. </p> <h2 aria-level="2" lang="EN-US" paraeid="{9626f70f-bb79-47a3-84d4-8d4b5034a366}{92}" paraid="920665568" role="heading" xml:lang="EN-US">FAQs </h2> <h3 aria-level="3" lang="EN-US" paraeid="{9626f70f-bb79-47a3-84d4-8d4b5034a366}{107}" paraid="2037920491" role="heading" xml:lang="EN-US">Can My LLC Affect My Personal Credit? </h3> <p lang="EN-US" paraeid="{9626f70f-bb79-47a3-84d4-8d4b5034a366}{122}" paraid="829347281" xml:lang="EN-US">As long as you make your debt payments on time, your LLC typically won’t affect your personal credit score. However, some business credit card issuers may report its negative activities to the personal credit bureaus, such as American Express. </p> <p lang="EN-US" paraeid="{9626f70f-bb79-47a3-84d4-8d4b5034a366}{133}" paraid="124416921" xml:lang="EN-US">Similarly, defaulting on a business credit account after signing a personal guarantee will also affect your personal credit. The issuers are fully entitled to collect your business’s debts from you and will often report you to the personal credit bureaus in the process. </p> <h3 aria-level="3" lang="EN-US" paraeid="{9626f70f-bb79-47a3-84d4-8d4b5034a366}{144}" paraid="371712565" role="heading" xml:lang="EN-US">Do Business Loans Go Against My Personal Credit? </h3> <p lang="EN-US" paraeid="{9626f70f-bb79-47a3-84d4-8d4b5034a366}{159}" paraid="1081151475" xml:lang="EN-US">Business loans usually don’t appear on your personal credit report unless you default on your account after signing a personal guarantee. In that case, the issuer will report your late payment activities and default account status to the personal credit bureaus. </p> <h3 aria-level="3" lang="EN-US" paraeid="{9626f70f-bb79-47a3-84d4-8d4b5034a366}{170}" paraid="1046348716" role="heading" xml:lang="EN-US">Do Business Loans Look at Personal Credit? </h3> <p lang="EN-US" paraeid="{9626f70f-bb79-47a3-84d4-8d4b5034a366}{185}" paraid="1792797181" xml:lang="EN-US">Every business lender has its own policy on whether or not it checks your personal credit when you apply for a small business loan. Some will require that you submit to a hard inquiry and some will not. </p> <p lang="EN-US" paraeid="{9626f70f-bb79-47a3-84d4-8d4b5034a366}{196}" paraid="1911852768" xml:lang="EN-US">To minimize the chances of a business loan provider looking at your personal credit, establish your business as a separate entity, build up its business credit, and apply for your business loans with its EIN. </p> <p lang="EN-US" paraeid="{9626f70f-bb79-47a3-84d4-8d4b5034a366}{207}" paraid="743409701" xml:lang="EN-US"> </p> <p lang="EN-US" paraeid="{6f266e6e-f969-464b-9cd4-d6ae0fe9d4e2}{244}" paraid="577729947" xml:lang="EN-US"> </p> </body> <grammarly-desktop-integration data-grammarly-shadow-root="true"></grammarly-desktop-integration></html> 773Does Personal Credit Affect Business Credit?https://business.ecredable.com/resources/blog/postid/772/does-personal-credit-affect-business-creditBusiness Credit,Business Credit Scores,GeneralThu, 29 Feb 2024 08:00:00 GMT<html> <head> <title></title> </head> <body data-gr-ext-installed="" data-new-gr-c-s-check-loaded="14.1155.0"> <h1 lang="EN-US" paraeid="{11cb358c-936d-4d90-9aea-4303da57d719}{131}" paraid="1470117607" xml:lang="EN-US">Does Personal Credit Affect Business Credit? </h1> <p lang="EN-US" paraeid="{11cb358c-936d-4d90-9aea-4303da57d719}{179}" paraid="1413076237" xml:lang="EN-US">In theory, personal credit and business credit are entirely separate systems. They involve different credit scores and rely on different credit bureaus, which compile different credit reports. As a result, it’s easy to think they don’t influence each other. </p> <p lang="EN-US" paraeid="{11cb358c-936d-4d90-9aea-4303da57d719}{190}" paraid="1011319150" xml:lang="EN-US">In reality, it’s possible to keep your personal and business credit separate, but it doesn’t happen automatically. In fact, your personal credit will often affect your business credit unless you take steps to prevent it. Here’s what you should know about how it all works. </p> <h2 aria-level="2" lang="EN-US" paraeid="{11cb358c-936d-4d90-9aea-4303da57d719}{201}" paraid="1956590150" role="heading" xml:lang="EN-US">How Your Personal Credit and Business Credit Are Connected </h2> <p lang="EN-US" paraeid="{11cb358c-936d-4d90-9aea-4303da57d719}{216}" paraid="1620074298" xml:lang="EN-US">Your personal and business credit scores usually don’t affect each other directly, but they’re still surprisingly connected. That’s especially true for sole proprietors, who aren’t legally separate from their business entities. </p> <p lang="EN-US" paraeid="{11cb358c-936d-4d90-9aea-4303da57d719}{227}" paraid="1583846886" xml:lang="EN-US">Typically, they connect in indirect ways. For example, new business owners start with no business credit history, making it difficult to qualify for accounts in their company’s name. As a result, they rely on their personal credit to qualify for business accounts. </p> <p lang="EN-US" paraeid="{11cb358c-936d-4d90-9aea-4303da57d719}{238}" paraid="931137779" xml:lang="EN-US">In that case, your personal credit doesn’t directly affect your business credit, but it does enable you to qualify for the accounts you need to build business credit. If you had a bad credit score personally, it would limit your ability to build business credit. </p> <p lang="EN-US" paraeid="{11cb358c-936d-4d90-9aea-4303da57d719}{249}" paraid="1793909853" xml:lang="EN-US">Once you’ve established your business credit, it can also have an impact on your personal credit. Most commonly, that occurs when you have negative activity on a business credit account. </p> <p lang="EN-US" paraeid="{ff886904-4618-49df-884c-06cb47f8223f}{5}" paraid="88180477" xml:lang="EN-US">Negative activity refers to anything that will damage your overall creditworthiness, such as missing payments or defaulting on an account. Business creditors will often report these activities to a business and personal credit bureau, damaging both scores. </p> <p lang="EN-US" paraeid="{ff886904-4618-49df-884c-06cb47f8223f}{16}" paraid="192621039" xml:lang="EN-US">As mentioned previously, sole proprietors are especially vulnerable to that. You can limit that risk by establishing a separate legal entity and using its Employer Identification Number (EIN) to open its credit accounts instead of your Social Security Number (SSN). </p> <h2 aria-level="2" lang="EN-US" paraeid="{ff886904-4618-49df-884c-06cb47f8223f}{27}" paraid="491714783" role="heading" xml:lang="EN-US">3 Ways That Personal Credit Can Affect Business Credit </h2> <p lang="EN-US" paraeid="{ff886904-4618-49df-884c-06cb47f8223f}{42}" paraid="1860502103" xml:lang="EN-US">Contrary to popular belief, your personal credit affects your business credit surprisingly often. However, it’s typically in an indirect way, such as when you’re applying for business credit. Let’s look at some common examples.  </p> <h3 aria-level="3" lang="EN-US" paraeid="{ff886904-4618-49df-884c-06cb47f8223f}{53}" paraid="694347202" role="heading" xml:lang="EN-US">1. Using Personal Credit Score to Qualify for Business Credit Cards </h3> <p lang="EN-US" paraeid="{ff886904-4618-49df-884c-06cb47f8223f}{68}" paraid="142679631" xml:lang="EN-US">As a new small business owner, you generally don’t have a business credit score. Since your prospective business credit card issuer can’t use it to assess your company’s creditworthiness, they'll check your personal credit score instead. </p> <p lang="EN-US" paraeid="{ff886904-4618-49df-884c-06cb47f8223f}{79}" paraid="2023380000" xml:lang="EN-US">That’s especially common when you’re a sole proprietor. You’ll know that’s an issuer's plan when they ask you to provide your SSN during the application process. They need it to initiate a hard inquiry and check your score. </p> <p lang="EN-US" paraeid="{ff886904-4618-49df-884c-06cb47f8223f}{90}" paraid="245812799" xml:lang="EN-US">With a good credit score and report, you can overcome a lack of business credit. As a result, your personal credit history can often make or break your company’s ability to secure a business card in its early days. </p> <h3 aria-level="3" lang="EN-US" paraeid="{ff886904-4618-49df-884c-06cb47f8223f}{101}" paraid="1068384520" role="heading" xml:lang="EN-US">2. Using Personal Credit Score to Secure SBA Loans </h3> <p lang="EN-US" paraeid="{ff886904-4618-49df-884c-06cb47f8223f}{116}" paraid="1846989350" xml:lang="EN-US">Business loans are one of the hardest types of commercial financing to qualify for, especially if you want a reasonable interest rate. They can be tough to secure even after you’ve established a reasonably positive business credit history. </p> <p lang="EN-US" paraeid="{ff886904-4618-49df-884c-06cb47f8223f}{127}" paraid="580560498" xml:lang="EN-US">In many cases, having a good personal credit score is necessary to make the cut. For example, Small Business Administration (SBA) lenders usually check your personal and business credit scores when you apply for a standard 7(a) loan. </p> <p lang="EN-US" paraeid="{ff886904-4618-49df-884c-06cb47f8223f}{138}" paraid="965892538" xml:lang="EN-US">To qualify, you’ll usually need a personal credit score of at least 650, and some lenders will require a minimum score as high as 700. </p> <h3 aria-level="3" lang="EN-US" paraeid="{ff886904-4618-49df-884c-06cb47f8223f}{149}" paraid="187017588" role="heading" xml:lang="EN-US">3. Signing a Personal Guarantee to Open Vendor Tradelines </h3> <p lang="EN-US" paraeid="{ff886904-4618-49df-884c-06cb47f8223f}{164}" paraid="1801166418" xml:lang="EN-US">One of the most common ways business owners build credit is to open vendor tradelines. These trade credit accounts usually offer extended repayment terms at a specific vendor, such as net 30 terms at an office supply company. </p> <p lang="EN-US" paraeid="{ff886904-4618-49df-884c-06cb47f8223f}{175}" paraid="952123348" xml:lang="EN-US">While these credit accounts may or may not help your cash flow, they’re relatively easy to qualify for without business credit history. However, sometimes you’ll need to sign a personal guarantee to secure them. </p> <p lang="EN-US" paraeid="{ff886904-4618-49df-884c-06cb47f8223f}{186}" paraid="153584013" xml:lang="EN-US">That gives the vendor the right to pursue your personal assets to recover their losses if you ever default on the account, which makes them much more likely to approve your application. </p> <h2 aria-level="2" lang="EN-US" paraeid="{ff886904-4618-49df-884c-06cb47f8223f}{197}" paraid="163433708" role="heading" xml:lang="EN-US">Separate Business Credit From Personal Credit </h2> <p lang="EN-US" paraeid="{ff886904-4618-49df-884c-06cb47f8223f}{212}" paraid="1551619530" xml:lang="EN-US">Using your personal credit to apply for business financing is often tempting, especially as a new business owner. If you have a good score, it makes it much easier to secure helpful accounts like business credit cards and vendor tradelines. </p> <p lang="EN-US" paraeid="{ff886904-4618-49df-884c-06cb47f8223f}{223}" paraid="1318806265" xml:lang="EN-US">However, it also tends to increase your risk significantly. If your business struggles to keep up with its debts, it’s much more likely to affect your personal credit report and finances. </p> <p lang="EN-US" paraeid="{ff886904-4618-49df-884c-06cb47f8223f}{234}" paraid="1131133250" xml:lang="EN-US">For example, as we discuss in our <em><a href="https://business.ecredable.com/resources/blog/how-to-build-business-credit-with-bad-personal-credit" rel="noreferrer noopener" target="_blank">How to Build Business Credit With Bad Personal Credit</a></em> article, Chase reports all negative activity on their business credit cards to the personal credit bureaus, including any late payments. </p> <p lang="EN-US" paraeid="{ff886904-4618-49df-884c-06cb47f8223f}{245}" paraid="1046508934" xml:lang="EN-US">If you actually default on a business account you opened with your personal SSN, the issuer may also pursue your personal assets to recoup their assets. If you signed a personal guarantee, that would be well within their rights. </p> <p lang="EN-US" paraeid="{a36f1856-9921-4528-b0c9-f26a068a3729}{1}" paraid="1726980575" xml:lang="EN-US">You may be confident in your business, but remember that roughly 20% of businesses fail within their first two years, often due to circumstances beyond their control. Even if you do everything right, something unexpected could cause you significant trouble. </p> <p lang="EN-US" paraeid="{a36f1856-9921-4528-b0c9-f26a068a3729}{12}" paraid="957845944" xml:lang="EN-US">As a result, it’s often better to separate your personal and business credit by opening your company’s financing under its name instead of your own. </p> <h2 aria-level="2" lang="EN-US" paraeid="{a36f1856-9921-4528-b0c9-f26a068a3729}{23}" paraid="1196228405" role="heading" xml:lang="EN-US">How To Build Business Credit Without Using Personal Credit </h2> <p lang="EN-US" paraeid="{a36f1856-9921-4528-b0c9-f26a068a3729}{38}" paraid="221885606" xml:lang="EN-US">While it is possible to establish business credit without relying on your personal score, it requires a little extra work. As we explore in our article, <em><a href="https://business.ecredable.com/resources/blog/how-to-build-business-credit-without-using-personal-credit" rel="noreferrer noopener" target="_blank">How To Build Business Credit Without Using Personal Credit</a></em>, here are some of the best steps to take: </p> <ul> <li lang="EN-US" paraeid="{a36f1856-9921-4528-b0c9-f26a068a3729}{49}" paraid="468320255" xml:lang="EN-US"><strong>Establish a separate business entity: </strong>Sole proprietorships and partnerships aren’t legally distinct from their owners. Ideally, you should structure your company as something that is, such as a corporation or LLC. </li> <li lang="EN-US" paraeid="{a36f1856-9921-4528-b0c9-f26a068a3729}{72}" paraid="554367192" xml:lang="EN-US"><strong>Create a distinct business presence: </strong>In addition to creating a separate legal entity, you should reaffirm your company’s distinction from yourself by giving it its own business bank account, phone number, mailing address, and tax ID. </li> <li lang="EN-US" paraeid="{a36f1856-9921-4528-b0c9-f26a068a3729}{92}" paraid="1467607592" xml:lang="EN-US"><strong>Open tradelines in your business’s name:</strong> Once your business is established as its own entity, start applying for accounts in its name using its EIN. Typically, it’s best to start with vendor tradelines and work your way up to more challenging business accounts. </li> <li lang="EN-US" paraeid="{a36f1856-9921-4528-b0c9-f26a068a3729}{112}" paraid="388611606" xml:lang="EN-US"><strong>Make early payments and keep credit utilization low:</strong> Building business credit is a lot like building personal credit. The most important factors for most credit scores are to make your payments on time and avoid accruing balances higher than you can manage. </li> </ul> <p lang="EN-US" paraeid="{a36f1856-9921-4528-b0c9-f26a068a3729}{132}" paraid="183610366" xml:lang="EN-US">If you’d like to build business credit without taking on more business debt, one great option is to sign up for eCredable Business Lift. Our program can report your existing expenses to the business credit bureaus and transform them into vendor tradelines.  </p> <p lang="EN-US" paraeid="{a36f1856-9921-4528-b0c9-f26a068a3729}{146}" paraid="874792112" xml:lang="EN-US">However you work toward better business credit, you should monitor your progress to make sure things are going smoothly.  </p> <p lang="EN-US" paraeid="{a36f1856-9921-4528-b0c9-f26a068a3729}{157}" paraid="1621154915" xml:lang="EN-US">Unfortunately, you aren’t guaranteed access to a free annual business credit report, but you can buy one from <a href="https://businesscreditreports.com/" rel="noreferrer noopener" target="_blank">BusinessCreditReports.com</a>. </p> <h2 aria-level="2" lang="EN-US" paraeid="{a36f1856-9921-4528-b0c9-f26a068a3729}{168}" paraid="51809362" role="heading" xml:lang="EN-US">Things To Consider When Taking Out Business Loans Based on Personal Credit </h2> <p lang="EN-US" paraeid="{a36f1856-9921-4528-b0c9-f26a068a3729}{183}" paraid="652158109" xml:lang="EN-US">While it’s safest to keep your personal and business credit separate, using your personal score to open business accounts is still a perfectly legitimate approach, especially for new business owners. </p> <p lang="EN-US" paraeid="{a36f1856-9921-4528-b0c9-f26a068a3729}{194}" paraid="549784160" xml:lang="EN-US">If you want to go that route, just make sure you’re aware of the increased risks. As we’ve discussed, your business creditors may report any negative activity in your account to a consumer credit bureau, which can damage your score. </p> <p lang="EN-US" paraeid="{a36f1856-9921-4528-b0c9-f26a068a3729}{205}" paraid="54740636" xml:lang="EN-US">Similarly, they may come after your personal assets to recoup their losses if you ever default. If you signed a personal guarantee, you won’t be able to stop them. </p> <p lang="EN-US" paraeid="{a36f1856-9921-4528-b0c9-f26a068a3729}{216}" paraid="1364663658" xml:lang="EN-US">To avoid those risks, consider signing up for eCredable instead. You can turn an unlimited number of your recurring expenses into vendor tradelines for a subscription of just $19.95 per month, which we’ll also report to the business credit bureaus. </p> <p lang="EN-US" paraeid="{a36f1856-9921-4528-b0c9-f26a068a3729}{227}" paraid="394004733" xml:lang="EN-US">In addition, we can report up to 24 months of payment history for each account, giving you the opportunity to establish years of business credit history overnight.  </p> <p lang="EN-US" paraeid="{a36f1856-9921-4528-b0c9-f26a068a3729}{243}" paraid="546817433" xml:lang="EN-US">As we discuss in our article on <em>How to <a href="https://business.ecredable.com/resources/blog/how-to-build-business-credit-in-30-days" rel="noreferrer noopener" target="_blank">Build Business Credit in 30 Days</a></em>, that’s one of the only ways to rapidly increase your score. </p> <p lang="EN-US" paraeid="{a36f1856-9921-4528-b0c9-f26a068a3729}{254}" paraid="556873769" xml:lang="EN-US"><a href="https://business.ecredable.com/join" rel="noreferrer noopener" target="_blank">Sign up for eCredable</a> today and take the shortcut to better business credit! </p> <h2 aria-level="2" lang="EN-US" paraeid="{08e38413-1ea9-4b25-8358-c6f412141eed}{10}" paraid="1648175930" role="heading" xml:lang="EN-US">FAQs </h2> <h3 aria-level="3" lang="EN-US" paraeid="{08e38413-1ea9-4b25-8358-c6f412141eed}{25}" paraid="176716892" role="heading" xml:lang="EN-US">Can You Start an LLC With Bad Personal Credit? </h3> <p lang="EN-US" paraeid="{08e38413-1ea9-4b25-8358-c6f412141eed}{40}" paraid="1184086306" xml:lang="EN-US">Your personal credit score has no effect on your ability to start an LLC because there’s no personal credit check involved in the process. As a result, you should be able to start one even if you have bad personal credit.  </p> <h3 aria-level="3" lang="EN-US" paraeid="{08e38413-1ea9-4b25-8358-c6f412141eed}{51}" paraid="1487654530" role="heading" xml:lang="EN-US">Do Personal Credit Scores Affect Business Credit Scores? </h3> <p lang="EN-US" paraeid="{08e38413-1ea9-4b25-8358-c6f412141eed}{66}" paraid="1918982703" xml:lang="EN-US">Personal credit scores don’t affect business credit scores directly. Your personal activities rarely, if ever, show up in your business credit reports. </p> <p lang="EN-US" paraeid="{08e38413-1ea9-4b25-8358-c6f412141eed}{77}" paraid="1321844943" xml:lang="EN-US">However, your personal credit score can affect your business credit score indirectly. Most notably, many new business owners use their personal credit to qualify for their first few business credit accounts, which they need to start building business credit. </p> <h3 aria-level="3" lang="EN-US" paraeid="{08e38413-1ea9-4b25-8358-c6f412141eed}{88}" paraid="537121274" role="heading" xml:lang="EN-US">Do Business Loans Look at Personal Credit? </h3> <p lang="EN-US" paraeid="{08e38413-1ea9-4b25-8358-c6f412141eed}{103}" paraid="755252819" xml:lang="EN-US">Some lenders will check your personal credit score when you apply for a small business loan. For example, financial institutions that work with the SBA often want to see a personal credit score of at least 650 before they’ll consider lending to a business owner. </p> <p lang="EN-US" paraeid="{08e38413-1ea9-4b25-8358-c6f412141eed}{114}" paraid="628974117" xml:lang="EN-US">However, there are exceptions. Some business lenders will ignore your personal credit in favor of your business credit if your company is well established. </p> <h3 aria-level="3" lang="EN-US" paraeid="{08e38413-1ea9-4b25-8358-c6f412141eed}{125}" paraid="1642596097" role="heading" xml:lang="EN-US">Can I Get a Business Loan if My Personal Credit Is Bad? </h3> <p lang="EN-US" paraeid="{08e38413-1ea9-4b25-8358-c6f412141eed}{140}" paraid="1359277165" xml:lang="EN-US">You can get a business loan with bad personal credit if you target creditors with lower standards, such as an online lender. Providing some kind of collateral and having strong finances will increase your chances. </p> <p lang="EN-US" paraeid="{08e38413-1ea9-4b25-8358-c6f412141eed}{151}" paraid="1760101526" xml:lang="EN-US">Alternatively, you can get a business loan despite your bad personal credit by applying under your business’s tax ID. However, you’ll need to have good business credit and a well-established business entity to succeed with that approach. </p> <p lang="EN-US" paraeid="{08e38413-1ea9-4b25-8358-c6f412141eed}{162}" paraid="170128460" xml:lang="EN-US"> </p> <p lang="EN-US" paraeid="{11cb358c-936d-4d90-9aea-4303da57d719}{125}" paraid="1100483659" xml:lang="EN-US"> </p> </body> <grammarly-desktop-integration data-grammarly-shadow-root="true"></grammarly-desktop-integration></html> 772What Are Net 30 Accounts?https://business.ecredable.com/resources/blog/postid/771/what-are-net-30-accountsBusiness Credit,Business Credit Vendors,Business TradelinesTue, 27 Feb 2024 08:00:00 GMT<html> <head> <title></title> </head> <body data-gr-ext-installed="" data-new-gr-c-s-check-loaded="14.1155.0"> <h1 lang="EN-US" paraeid="{33fde14d-7a64-4d0f-862c-c67baf2dc793}{53}" paraid="1737536188" xml:lang="EN-US">What Are Net 30 Accounts? </h1> <p lang="EN-US" paraeid="{33fde14d-7a64-4d0f-862c-c67baf2dc793}{101}" paraid="1016652340" xml:lang="EN-US">Net 30 accounts are a type of credit account vendors issue that grants you extended payment terms at their store. They’re also one of the best tools new business owners have for establishing their business credit when starting from scratch. </p> <p lang="EN-US" paraeid="{33fde14d-7a64-4d0f-862c-c67baf2dc793}{112}" paraid="1305120331" xml:lang="EN-US">Here’s what you should know about net 30 accounts, including how they work, their pros and cons, and how they compare to other types of business credit. </p> <h2 aria-level="2" lang="EN-US" paraeid="{33fde14d-7a64-4d0f-862c-c67baf2dc793}{123}" paraid="249249187" role="heading" xml:lang="EN-US">How Do Net 30 Accounts Work? </h2> <p lang="EN-US" paraeid="{33fde14d-7a64-4d0f-862c-c67baf2dc793}{138}" paraid="1309746540" xml:lang="EN-US">As the name implies, <a href="https://business.ecredable.com/resources/blog/net-30-accounts" rel="noreferrer noopener" target="_blank">net 30 accounts</a> offer 30 days of interest-free financing. The credit term starts the day you make your purchase with the credit line. If you don’t pay off your balance before the period expires, you may be subject to late payment fees or interest. </p> <p lang="EN-US" paraeid="{33fde14d-7a64-4d0f-862c-c67baf2dc793}{149}" paraid="1352299815" xml:lang="EN-US">Net 30 accounts are vendor tradelines or trade credit accounts. You get them from companies that don’t specialize in issuing credit, such as an office supply company. They’re also only usable with the issuer, unlike a credit card accepted by all merchants. </p> <p lang="EN-US" paraeid="{33fde14d-7a64-4d0f-862c-c67baf2dc793}{160}" paraid="2015524572" xml:lang="EN-US">That limits their ability to manage your cash flow, though they’re still beneficial if you get them with the right vendors. However, the main purpose of net 30 accounts is often to build credit, as they usually get reported to one or more of the business credit bureaus. </p> <p lang="EN-US" paraeid="{33fde14d-7a64-4d0f-862c-c67baf2dc793}{171}" paraid="1106605531" xml:lang="EN-US">For example, say you shop at <a href="https://business.ecredable.com/resources/blog/uline-net-30" rel="noreferrer noopener" target="_blank">Uline</a> weekly for shipping materials, so you apply for a net 30 payment term. Once you qualify, you use it to delay paying for each purchase until four weeks later, improving your cash flow. </p> <p lang="EN-US" paraeid="{33fde14d-7a64-4d0f-862c-c67baf2dc793}{182}" paraid="2114289294" xml:lang="EN-US">In addition, Uline reports your business account and payment activities to Dun & Bradstreet (D&B) and Experian Business, building business credit in each of those credit reports. </p> <h2 aria-level="2" lang="EN-US" paraeid="{33fde14d-7a64-4d0f-862c-c67baf2dc793}{193}" paraid="1086370982" role="heading" xml:lang="EN-US">Net 30 Accounts vs. Net 30 Vendors </h2> <p lang="EN-US" paraeid="{33fde14d-7a64-4d0f-862c-c67baf2dc793}{208}" paraid="1384652155" xml:lang="EN-US">The terms “net 30 account” and “net 30 vendor” are closely related, but they’re not interchangeable, so you don’t want to mix them up. </p> <p lang="EN-US" paraeid="{33fde14d-7a64-4d0f-862c-c67baf2dc793}{219}" paraid="359090365" xml:lang="EN-US">A net 30 account refers to a credit line that grants you a 30-day payment term with no interest on your outstanding balance. Meanwhile, a net 30 vendor is a business that offers net 30 accounts and usually specializes in something other than issuing credit. </p> <p lang="EN-US" paraeid="{33fde14d-7a64-4d0f-862c-c67baf2dc793}{230}" paraid="1360159753" xml:lang="EN-US">For example, <a href="https://business.ecredable.com/resources/blog/crown-office-supplies-net-30" rel="noreferrer noopener" target="_blank">Crown Office Supplies</a> is a popular net 30 vendor. It offers net 30 accounts to qualified customers, granting them extended net payment terms. However, it generates most of its revenue by selling office supplies, its primary product offering. </p> <h2 aria-level="2" lang="EN-US" paraeid="{33fde14d-7a64-4d0f-862c-c67baf2dc793}{241}" paraid="724110163" role="heading" xml:lang="EN-US">Pros and Cons of Net 30 Accounts </h2> <p lang="EN-US" paraeid="{952c0590-6e9b-4e8c-a900-9fb8c73162ca}{1}" paraid="1127765730" xml:lang="EN-US">Net 30 accounts can be a good tool for new small business owners, but they’re not right for everyone. Here’s what you should know about their most significant pros and cons. </p> <h3 aria-level="3" lang="EN-US" paraeid="{952c0590-6e9b-4e8c-a900-9fb8c73162ca}{12}" paraid="1841614717" role="heading" xml:lang="EN-US">Pros </h3> <p lang="EN-US" paraeid="{952c0590-6e9b-4e8c-a900-9fb8c73162ca}{27}" paraid="418136293" xml:lang="EN-US">Generally, net 30 accounts are most beneficial for new business owners who are looking to build business credit. That’s primarily due to the following advantages: </p> <ul> <li lang="EN-US" paraeid="{952c0590-6e9b-4e8c-a900-9fb8c73162ca}{38}" paraid="2122018179" xml:lang="EN-US"><strong>Accessible: </strong>Convincing lenders to give you financing without any credit history is notoriously challenging. However, you can often secure net 30 accounts as long as you don’t have any delinquencies or defaults, making them good starter credit accounts for business owners. </li> <li lang="EN-US" paraeid="{952c0590-6e9b-4e8c-a900-9fb8c73162ca}{61}" paraid="500238318" xml:lang="EN-US"><strong>Interest-free: </strong>Net 30 accounts offer the shortest interest-free payment terms among vendor tradelines, but that doesn’t mean they’re not beneficial. After all, 30 days without interest accruing on your balances is as much as a business credit card. </li> <li lang="EN-US" paraeid="{952c0590-6e9b-4e8c-a900-9fb8c73162ca}{81}" paraid="682025915" xml:lang="EN-US"><strong>Build business credit:</strong> Many vendors report their net 30 accounts to one or more of the business credit bureaus. With a few of their vendor tradelines in your credit reports, you should be able to generate a business credit score and establish the foundation you need for good business credit. </li> </ul> <p lang="EN-US" paraeid="{952c0590-6e9b-4e8c-a900-9fb8c73162ca}{101}" paraid="2026187319" xml:lang="EN-US">These characteristics make net 30 accounts ideal for those who don’t have business credit and want to change that. However, they’re not the most attractive for those who need a long-term financing arrangement. </p> <h3 aria-level="3" lang="EN-US" paraeid="{952c0590-6e9b-4e8c-a900-9fb8c73162ca}{115}" paraid="1163507841" role="heading" xml:lang="EN-US">Cons </h3> <p lang="EN-US" paraeid="{952c0590-6e9b-4e8c-a900-9fb8c73162ca}{130}" paraid="910889343" xml:lang="EN-US">Net 30 accounts offer significant benefits for new business owners who are just starting to build business credit, but they’re not perfect. Not only are they of limited use in other situations, but they also have their drawbacks as credit-building tools. </p> <p lang="EN-US" paraeid="{952c0590-6e9b-4e8c-a900-9fb8c73162ca}{141}" paraid="1889777469" xml:lang="EN-US">Here are their most significant cons: </p> <ul> <li lang="EN-US" paraeid="{952c0590-6e9b-4e8c-a900-9fb8c73162ca}{152}" paraid="806163248" xml:lang="EN-US"><strong>Potentially expensive: </strong>Net 30 accounts often charge you an application fee and a recurring membership fee to maintain access to your account. Since you need several to establish a solid credit foundation, they can add up quickly. </li> <li lang="EN-US" paraeid="{952c0590-6e9b-4e8c-a900-9fb8c73162ca}{168}" paraid="661983594" xml:lang="EN-US"><strong>May require personal guarantee: </strong>Net 30 accounts are often available to new business owners, but they may require you to sign a personal guarantee if you lack business credit history. If you default, that allows the issuing vendor to come after your personal assets and your personal credit may suffer. </li> <li lang="EN-US" paraeid="{952c0590-6e9b-4e8c-a900-9fb8c73162ca}{188}" paraid="1993685628" xml:lang="EN-US"><strong>Limited vendor options:</strong> Unfortunately, there’s a relatively limited list of net 30 vendors, which often forces businesses to get net 30 accounts from businesses that don’t sell something they need. As a result, you might waste money on unnecessary goods or services just to build business credit. </li> </ul> <p lang="EN-US" paraeid="{952c0590-6e9b-4e8c-a900-9fb8c73162ca}{208}" paraid="2013113051" xml:lang="EN-US">Fortunately, you can get around the downsides of net 30 accounts by <a href="https://business.ecredable.com/join" rel="noreferrer noopener" target="_blank">signing up</a> for a program like eCredable Business Lift. We’ll report your existing expenses to the business credit bureaus for you, transforming them into vendor tradelines. </p> <h2 aria-level="2" lang="EN-US" paraeid="{952c0590-6e9b-4e8c-a900-9fb8c73162ca}{222}" paraid="608359491" role="heading" xml:lang="EN-US">How Do Net 30 Accounts Compare to Business Loans and Credit Cards? </h2> <p lang="EN-US" paraeid="{952c0590-6e9b-4e8c-a900-9fb8c73162ca}{237}" paraid="7768209" xml:lang="EN-US">Like business loans and credit cards, net 30 accounts are financing arrangements. However, they generally don’t serve the same purposes in your credit mix, as there are significant differences between the two. </p> <p lang="EN-US" paraeid="{952c0590-6e9b-4e8c-a900-9fb8c73162ca}{248}" paraid="599579590" xml:lang="EN-US">Here are the primary ones to be aware of: </p> <ul> <li lang="EN-US" paraeid="{e9229aea-d951-496e-9615-acbf6b695a64}{4}" paraid="2135966676" xml:lang="EN-US"><strong>Qualification requirements: </strong>Generally, net 30 accounts are much easier to qualify for than business loans and credit cards. Many of them open even to new business owners with no business credit history, while you usually need to be well established to qualify for business loans and credit cards, or at least sign a personal guarantee.  </li> <li lang="EN-US" paraeid="{e9229aea-d951-496e-9615-acbf6b695a64}{20}" paraid="207328226" xml:lang="EN-US"><strong>Where you can use them: </strong>As vendor tradelines, you can only use net 30 accounts to purchase goods or services from the company that issues them. In contrast, you can use business loans and credit cards to buy from anyone (unless otherwise stated). </li> <li lang="EN-US" paraeid="{e9229aea-d951-496e-9615-acbf6b695a64}{40}" paraid="1226986680" xml:lang="EN-US"><strong>Financing structure: </strong>Net 30 accounts are a revolving form of credit, which means you can use them, pay off your balance, and use them again, like credit cards. Business loans are installment accounts, which require you to make multiple payments of principal and interest over time. </li> <li lang="EN-US" paraeid="{e9229aea-d951-496e-9615-acbf6b695a64}{60}" paraid="1374986626" xml:lang="EN-US"><strong>Maximum credit limits: </strong>Net 30 accounts tend to have relatively low credit limits for business credit accounts, often starting around $1,000. Meanwhile, business credit cards may start at around $10,000, and business loans can have principal balances in the millions. </li> </ul> <p lang="EN-US" paraeid="{e9229aea-d951-496e-9615-acbf6b695a64}{80}" paraid="1133676244" xml:lang="EN-US">There are significant differences between net 30 accounts and business loans and credit cards, but that’s not really a criticism against any of them. They serve vastly different purposes in your credit account mix. </p> <h2 aria-level="2" lang="EN-US" paraeid="{e9229aea-d951-496e-9615-acbf6b695a64}{94}" paraid="1643105852" role="heading" xml:lang="EN-US">Net 30 Accounts Build Business Credit </h2> <p lang="EN-US" paraeid="{e9229aea-d951-496e-9615-acbf6b695a64}{109}" paraid="82029344" xml:lang="EN-US">Net 30 accounts give you 30 days of interest-free financing. Ideally, you should get them from vendors you already want to do business with. That way, the account helps improve your cash flow rather than give you an extra monthly expense. </p> <p lang="EN-US" paraeid="{e9229aea-d951-496e-9615-acbf6b695a64}{120}" paraid="1612411700" xml:lang="EN-US">That said, the primary purpose of a net 30 account is almost always to help new business owners start building business credit. Once you’ve established a positive payment history with them, you can start applying for more beneficial credit accounts. </p> <p lang="EN-US" paraeid="{e9229aea-d951-496e-9615-acbf6b695a64}{131}" paraid="857014512" xml:lang="EN-US">Net 30 vendors know this, and many of them offer net 30 payment terms primarily as a way to boost revenue. As a result, you may need to complete an order that meets a minimum dollar value to get your net 30 accounts reported to a business credit bureau. </p> <h2 aria-level="2" lang="EN-US" paraeid="{e9229aea-d951-496e-9615-acbf6b695a64}{142}" paraid="35086829" role="heading" xml:lang="EN-US">What Net 30 Accounts Should I Consider as a New Business? </h2> <p lang="EN-US" paraeid="{e9229aea-d951-496e-9615-acbf6b695a64}{157}" paraid="229754082" xml:lang="EN-US">Net 30 accounts tend to have similar characteristics, but there can still be meaningful differences between them. As a new business owner, you should prioritize those that meet the following criteria: </p> <ul> <li lang="EN-US" paraeid="{e9229aea-d951-496e-9615-acbf6b695a64}{168}" paraid="1390981397" xml:lang="EN-US"><strong>Open to new businesses: </strong>Net 30 accounts are often available to businesses with little to no business credit history. However, some net 30 vendors only issue credit to businesses that already have a positive payment history with several other vendor tradelines. Double-check before you apply. </li> <li lang="EN-US" paraeid="{e9229aea-d951-496e-9615-acbf6b695a64}{184}" paraid="959372439" xml:lang="EN-US"><strong>Report to multiple credit bureaus:</strong> Since you probably want net 30 accounts primarily to build business credit, you want to pursue ones that report to as many of the major business credit bureaus as possible. Those include D&B, Experian Business, and Equifax Business. </li> <li lang="EN-US" paraeid="{e9229aea-d951-496e-9615-acbf6b695a64}{204}" paraid="838424852" xml:lang="EN-US"><strong>Issued by a vendor with a practical offering: </strong>To build business credit with a net 30 account, you need to use it regularly and establish a payment history. To avoid wasting money on unnecessary goods or services, you should target net 30 vendors that offer something you already need. </li> </ul> <p lang="EN-US" paraeid="{e9229aea-d951-496e-9615-acbf6b695a64}{224}" paraid="990804461" xml:lang="EN-US">Though somewhat less important than the characteristics mentioned above, it’s also best to open net 30 accounts that don’t charge application or membership fees. These can get burdensome since you need multiple vendor tradelines to build credit. </p> <h2 aria-level="2" lang="EN-US" paraeid="{e9229aea-d951-496e-9615-acbf6b695a64}{238}" paraid="409523898" role="heading" xml:lang="EN-US">What Are the Alternatives to Net 30 Terms? </h2> <p lang="EN-US" paraeid="{e9229aea-d951-496e-9615-acbf6b695a64}{253}" paraid="1956017528" xml:lang="EN-US">Net 30 accounts aren’t the only extended payment arrangements that vendors offer. Once you establish a positive payment history with enough of them, you can start qualifying for net 45, <a href="https://business.ecredable.com/resources/blog/net-60-vendors2" rel="noreferrer noopener" target="_blank">net 60</a>, and even <a href="https://business.ecredable.com/resources/blog/net-90-vendors" rel="noreferrer noopener" target="_blank">net 90</a> terms. </p> <p lang="EN-US" paraeid="{5c5ad19d-378b-4348-9ce3-756405b54eca}{9}" paraid="841822261" xml:lang="EN-US">As you can guess, these give you even longer payment terms before interest starts to accrue. They also tend to have additional benefits, such as an early payment discount. </p> <p lang="EN-US" paraeid="{5c5ad19d-378b-4348-9ce3-756405b54eca}{20}" paraid="1202770433" xml:lang="EN-US">Financial tradelines like business loans and credit cards are also great alternatives. These build business credit, but qualifying for them is usually why you do so in the first place. They’re powerful financing arrangements that can help you grow your business. </p> <p lang="EN-US" paraeid="{5c5ad19d-378b-4348-9ce3-756405b54eca}{31}" paraid="727262230" xml:lang="EN-US">If you’re looking for a way to build business credit as a new business owner besides net terms, one of the best options is an expense reporting program like eCredable Business Lift. </p> <p lang="EN-US" paraeid="{5c5ad19d-378b-4348-9ce3-756405b54eca}{42}" paraid="344873969" xml:lang="EN-US">When you sign up and connect your existing expense accounts, we report them to the business credit bureaus as vendor credit. That way, you build credit without having to pay for additional goods or services you might not even need. </p> <p lang="EN-US" paraeid="{5c5ad19d-378b-4348-9ce3-756405b54eca}{53}" paraid="1556605028" xml:lang="EN-US">In addition, eCredable reports up to 24 months of payment history for each account, helping you add years of credit history to your business credit report virtually overnight. That’s one of the only ways to rapidly boost your business credit score. </p> <p lang="EN-US" paraeid="{5c5ad19d-378b-4348-9ce3-756405b54eca}{64}" paraid="147657635" xml:lang="EN-US">Instead of paying for a dozen new vendor tradelines, you only have to pay a single $19.95 monthly subscription. Fortunately, we’ll also report that payment to the credit bureaus. <a href="https://business.ecredable.com/join" rel="noreferrer noopener" target="_blank">Sign up for eCredable</a> today and take the shortcut to good business credit! </p> <h2 aria-level="2" lang="EN-US" paraeid="{5c5ad19d-378b-4348-9ce3-756405b54eca}{75}" paraid="259987625" role="heading" xml:lang="EN-US">FAQs </h2> <h3 aria-level="3" lang="EN-US" paraeid="{5c5ad19d-378b-4348-9ce3-756405b54eca}{90}" paraid="760629263" role="heading" xml:lang="EN-US">How Do You Qualify for Net 30? </h3> <p lang="EN-US" paraeid="{5c5ad19d-378b-4348-9ce3-756405b54eca}{105}" paraid="1542464459" xml:lang="EN-US">Net 30 accounts are generally the easiest vendor tradelines to secure. They’re often available to new business owners with little to no business credit history. However, you should have no delinquencies or defaults and may need to sign a personal guarantee. </p> <h3 aria-level="3" lang="EN-US" paraeid="{5c5ad19d-378b-4348-9ce3-756405b54eca}{116}" paraid="109694040" role="heading" xml:lang="EN-US">How Many Net 30 Accounts Should I Have? </h3> <p lang="EN-US" paraeid="{5c5ad19d-378b-4348-9ce3-756405b54eca}{131}" paraid="572554139" xml:lang="EN-US">Three to five net 30 accounts in a business credit report should be enough for you to generate a business credit score. However, you may need around 12 to 15 to qualify for the most competitive vendor and financial tradelines. </p> <h3 aria-level="3" lang="EN-US" paraeid="{5c5ad19d-378b-4348-9ce3-756405b54eca}{142}" paraid="569312204" role="heading" xml:lang="EN-US">What Is a Tier 1 Net 30 Account? </h3> <p lang="EN-US" paraeid="{5c5ad19d-378b-4348-9ce3-756405b54eca}{157}" paraid="509134772" xml:lang="EN-US">Vendor tradelines are often separated into four tiers, indicating their relative levels of accessibility and credit benefits. <a href="https://business.ecredable.com/resources/blog/tier-1-business-credit-vendors2" rel="noreferrer noopener" target="_blank">Tier 1</a> net 30 accounts are the most accessible and offer the least beneficial credit terms. </p> <p lang="EN-US" paraeid="{5c5ad19d-378b-4348-9ce3-756405b54eca}{168}" paraid="391606075" xml:lang="EN-US"> </p> <p lang="EN-US" paraeid="{33fde14d-7a64-4d0f-862c-c67baf2dc793}{47}" paraid="1202081406" xml:lang="EN-US"> </p> </body> <grammarly-desktop-integration data-grammarly-shadow-root="true"></grammarly-desktop-integration></html> 771Can You Get Business Credit with Bad Personal Credit?https://business.ecredable.com/resources/blog/postid/767/can-you-get-business-credit-with-bad-personal-creditBusiness Credit,Business Credit Scores,Business Credit Vendors,Business Tradelines,GeneralSun, 25 Feb 2024 08:00:00 GMT<html> <head> <title></title> </head> <body data-gr-ext-installed="" data-new-gr-c-s-check-loaded="14.1155.0"> <h1 lang="EN-US" paraeid="{8721e1f6-e450-42a8-92ea-47ba3ab1e4f7}{45}" paraid="1987436873" xml:lang="EN-US">Can You Get Business Credit with Bad Personal Credit? </h1> <p lang="EN-US" paraeid="{8721e1f6-e450-42a8-92ea-47ba3ab1e4f7}{93}" paraid="1260087769" xml:lang="EN-US">The simple answer is, yes. Although challenging, it is possible to <a href="https://business.ecredable.com/resources/blog/how-to-build-business-credit-without-using-personal-credit" rel="noreferrer noopener" target="_blank">build business credit</a> even if your personal credit isn’t stellar.  </p> <p lang="EN-US" paraeid="{8721e1f6-e450-42a8-92ea-47ba3ab1e4f7}{109}" paraid="1002857258" xml:lang="EN-US">We certainly recommend making a sustained effort to build your personal credit, as it’s easier and less expensive than building business credit.  </p> <p lang="EN-US" paraeid="{8721e1f6-e450-42a8-92ea-47ba3ab1e4f7}{125}" paraid="188011835" xml:lang="EN-US">But here’s how to proceed if you’re in a situation where you have bad personal credit and need to raise your business credit score.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{8721e1f6-e450-42a8-92ea-47ba3ab1e4f7}{136}" paraid="1500705672" role="heading" xml:lang="EN-US">How Personal Credit Affects Business Credit </h2> <p lang="EN-US" paraeid="{8721e1f6-e450-42a8-92ea-47ba3ab1e4f7}{151}" paraid="1925781224" xml:lang="EN-US">Lenders will assess your creditworthiness when applying for business financing, such as a business credit card, business loan, or trade credit.  </p> <p lang="EN-US" paraeid="{8721e1f6-e450-42a8-92ea-47ba3ab1e4f7}{167}" paraid="419878669" xml:lang="EN-US">If you’re an established business owner with an extensive business credit history, lenders can look at that to determine your creditworthiness. However, if you’re a newer small business owner, it’s common for lenders to look at your personal credit.  </p> <p lang="EN-US" paraeid="{8721e1f6-e450-42a8-92ea-47ba3ab1e4f7}{183}" paraid="1665009422" xml:lang="EN-US">Checking your personal credit score allows lenders to better gauge your ability to repay your debts on time, as well as your likelihood of defaulting.  </p> <p lang="EN-US" paraeid="{8721e1f6-e450-42a8-92ea-47ba3ab1e4f7}{199}" paraid="581240932" xml:lang="EN-US">Therefore, a strong personal credit score should make you more attractive to lenders when applying for business financing. Conversely, if you have a poor personal credit score, this should make you less desirable to lenders.  </p> <p lang="EN-US" paraeid="{8721e1f6-e450-42a8-92ea-47ba3ab1e4f7}{215}" paraid="552299207" xml:lang="EN-US">Assuming you have solid personal credit, this should help get your foot in the door with business lenders.  </p> <p lang="EN-US" paraeid="{8721e1f6-e450-42a8-92ea-47ba3ab1e4f7}{231}" paraid="178289614" xml:lang="EN-US">And as long as you maintain a positive payment history with credit cards and loans, this can help you gain momentum when <a href="https://business.ecredable.com/resources/build-business-credit" rel="noreferrer noopener" target="_blank">building business credit</a> in the future.  </p> <p lang="EN-US" paraeid="{8721e1f6-e450-42a8-92ea-47ba3ab1e4f7}{247}" paraid="1486563109" xml:lang="EN-US">While personal credit isn’t the be-all and end-all of building business credit, it’s definitely a factor. </p> <h2 aria-level="2" lang="EN-US" paraeid="{4580fb27-ca5a-4f2c-84b3-732e28f07e32}{3}" paraid="1580348267" role="heading" xml:lang="EN-US">Can Personal Credit Impact Eligibility for a Business Loan? </h2> <p lang="EN-US" paraeid="{4580fb27-ca5a-4f2c-84b3-732e28f07e32}{18}" paraid="469687520" xml:lang="EN-US">Yes, personal credit history can impact your ability to get a business loan in a few different ways.  </p> <p lang="EN-US" paraeid="{4580fb27-ca5a-4f2c-84b3-732e28f07e32}{34}" paraid="1821421378" xml:lang="EN-US">First, a lender may require you to offer a personal guarantee to be approved for a business loan if you lack good credit.  </p> <p lang="EN-US" paraeid="{4580fb27-ca5a-4f2c-84b3-732e28f07e32}{50}" paraid="2036446349" xml:lang="EN-US">Again, lenders are especially cautious with new or small business owners. So if you fall under this category and don’t have great personal credit, there’s a good chance you’ll need a personal guarantee.  </p> <p lang="EN-US" paraeid="{4580fb27-ca5a-4f2c-84b3-732e28f07e32}{66}" paraid="1453215382" xml:lang="EN-US">Next, there’s a correlation between having strong personal credit and higher business loan approval. If you have <a href="https://business.ecredable.com/resources/blog/how-to-build-business-credit-with-bad-personal-credit" rel="noreferrer noopener" target="_blank">bad personal credit</a>, your chances of being approved for a small business loan will be lower than if you have good personal credit.  </p> <p lang="EN-US" paraeid="{4580fb27-ca5a-4f2c-84b3-732e28f07e32}{82}" paraid="554632314" xml:lang="EN-US">Also, the loan terms and interest rates you receive if approved are often impacted by your personal credit.  </p> <p lang="EN-US" paraeid="{4580fb27-ca5a-4f2c-84b3-732e28f07e32}{98}" paraid="1023120135" xml:lang="EN-US">For example, if you have good personal credit, you’ll likely receive more favorable loan terms and interest rates than you would with poor credit.  </p> <p lang="EN-US" paraeid="{4580fb27-ca5a-4f2c-84b3-732e28f07e32}{114}" paraid="812998598" xml:lang="EN-US">Note that as you gradually build business credit over time, your personal credit score should have less of an impact on obtaining a business loan. But during the initial stages, the impact can be substantial. </p> <h2 aria-level="2" lang="EN-US" paraeid="{4580fb27-ca5a-4f2c-84b3-732e28f07e32}{125}" paraid="1269361389" role="heading" xml:lang="EN-US">How to Build Your Business Credit Without Using Personal Credit </h2> <p lang="EN-US" paraeid="{4580fb27-ca5a-4f2c-84b3-732e28f07e32}{140}" paraid="1546415608" xml:lang="EN-US">The first step is to establish your business as a separate legal entity, which can be done by doing the following: </p> <ul> <li lang="EN-US" paraeid="{4580fb27-ca5a-4f2c-84b3-732e28f07e32}{156}" paraid="229459308" xml:lang="EN-US">Getting a separate business address and phone number </li> <li lang="EN-US" paraeid="{4580fb27-ca5a-4f2c-84b3-732e28f07e32}{179}" paraid="1496341155" xml:lang="EN-US">Creating a separate business bank account </li> <li lang="EN-US" paraeid="{4580fb27-ca5a-4f2c-84b3-732e28f07e32}{199}" paraid="1057754901" xml:lang="EN-US">Obtaining an EIN </li> <li lang="EN-US" paraeid="{4580fb27-ca5a-4f2c-84b3-732e28f07e32}{219}" paraid="1498789905" xml:lang="EN-US">Applying for a DUNS number </li> </ul> <p lang="EN-US" paraeid="{4580fb27-ca5a-4f2c-84b3-732e28f07e32}{239}" paraid="1918080933" xml:lang="EN-US">Next, apply for business credit cards and open business tradelines with suppliers and vendors that report to at least one major business credit bureau, such as Dun & Bradstreet, Experian, and Equifax.  </p> <p lang="EN-US" paraeid="{598316f6-a636-4ed8-a2de-7b9d817c5caa}{8}" paraid="374108704" xml:lang="EN-US">Be sure to pay credit cards and tradelines on time or in advance. By reporting your positive payment history to business credit bureaus, this should help improve your business credit score. In time, you may even qualify for a corporate credit card if there’s enough growth.  </p> <p lang="EN-US" paraeid="{598316f6-a636-4ed8-a2de-7b9d817c5caa}{24}" paraid="1890520857" xml:lang="EN-US">Also, use <a href="https://business.ecredable.com/" rel="noreferrer noopener" target="_blank">a tool like eCredable</a> that turns your business bills into tradelines.  </p> <p lang="EN-US" paraeid="{598316f6-a636-4ed8-a2de-7b9d817c5caa}{40}" paraid="871225393" xml:lang="EN-US">With eCredable, you can report utilities like gas, water, power, and internet, as well as business services like marketing, accounting, and web services to business credit bureaus,  </p> <p lang="EN-US" paraeid="{598316f6-a636-4ed8-a2de-7b9d817c5caa}{56}" paraid="1953308540" xml:lang="EN-US">Once you sign up with eCredable, we’ll automatically attempt to download up to the last 24 months of your business bills, which can quickly boost your business credit score by up to 40% within three months. </p> <h2 aria-level="2" lang="EN-US" paraeid="{598316f6-a636-4ed8-a2de-7b9d817c5caa}{67}" paraid="1664684787" role="heading" xml:lang="EN-US">What Credit Score is Required for a Business Credit Card? </h2> <p lang="EN-US" paraeid="{598316f6-a636-4ed8-a2de-7b9d817c5caa}{82}" paraid="1377023288" xml:lang="EN-US">When it comes to getting a small business credit card, personal credit score requirements will vary by the lender.  </p> <p lang="EN-US" paraeid="{598316f6-a636-4ed8-a2de-7b9d817c5caa}{98}" paraid="1856443826" xml:lang="EN-US">But across the board, to be eligible for the best business credit cards with favorable terms and interest rates, you’ll typically need a <a href="https://www.experian.com/blogs/ask-experian/how-do-i-qualify-for-a-small-business-credit-card/" rel="noreferrer noopener" target="_blank">minimum FICO score of 670</a>. </p> <p lang="EN-US" paraeid="{598316f6-a636-4ed8-a2de-7b9d817c5caa}{114}" paraid="997776599" xml:lang="EN-US">That said, some business credit cards cater to people with lower personal credit scores.  </p> <p lang="EN-US" paraeid="{598316f6-a636-4ed8-a2de-7b9d817c5caa}{130}" paraid="1571447769" xml:lang="EN-US">For example, Bankrate states that people with a fair credit score <a href="https://www.bankrate.com/finance/credit-cards/how-to-get-a-business-credit-card-with-bad-personal-credit/#what" rel="noreferrer noopener" target="_blank">ranging from 580 to 669</a> may be eligible for certain business credit cards like the Capital One Spark 1% Classic.  </p> <p lang="EN-US" paraeid="{598316f6-a636-4ed8-a2de-7b9d817c5caa}{146}" paraid="1044576069" xml:lang="EN-US">Like most other cards that are available to those with less than optimal personal credit, this isn’t the best business credit card in terms of rewards and APR (as of early 2024, it was 30.74%). But it is a valid option.  </p> <p lang="EN-US" paraeid="{598316f6-a636-4ed8-a2de-7b9d817c5caa}{162}" paraid="1391987280" xml:lang="EN-US">The bottom line is that a 580 credit score is about the minimum entry point for qualifying for business credit cards. However, to be eligible for the best credit cards, you’ll usually need a score of around 670. </p> <h2 aria-level="2" lang="EN-US" paraeid="{598316f6-a636-4ed8-a2de-7b9d817c5caa}{173}" paraid="637328112" role="heading" xml:lang="EN-US">Vendors That Don’t Check Personal Credit </h2> <p lang="EN-US" paraeid="{598316f6-a636-4ed8-a2de-7b9d817c5caa}{188}" paraid="1034724083" xml:lang="EN-US">While many vendors will look at your personal credit when determining approval, some don't. Here are three in particular that we suggest.  </p> <h3 aria-level="3" lang="EN-US" paraeid="{598316f6-a636-4ed8-a2de-7b9d817c5caa}{199}" paraid="1902930373" role="heading" xml:lang="EN-US">Wise Business Plans </h3> <p lang="EN-US" paraeid="{598316f6-a636-4ed8-a2de-7b9d817c5caa}{214}" paraid="1409268317" xml:lang="EN-US"><a href="https://wisebusinessplans.com/wise-net-30-account/#:~:text=Using%20Wise%20Business%20Plan%20net,to%20establish%20a%20credit%20file." rel="noreferrer noopener" target="_blank">Wise Business Plans</a> offers comprehensive business plan writing services, market research, business web design, and more, and offers net 30 payment terms.  </p> <p lang="EN-US" paraeid="{598316f6-a636-4ed8-a2de-7b9d817c5caa}{230}" paraid="208130367" xml:lang="EN-US">They don’t require a personal credit check or a personal guarantee, and they report to Equifax, Experian, and Creditsafe, which can help build your business credit history.  </p> <p lang="EN-US" paraeid="{598316f6-a636-4ed8-a2de-7b9d817c5caa}{246}" paraid="130133795" xml:lang="EN-US">To qualify, you just need to be a US-based business, have an EIN, file as an entity with your Secretary of State, and not have any major business delinquencies.  </p> <p lang="EN-US" paraeid="{ad204b9d-8f91-40fc-a3ab-b2e421b94b14}{7}" paraid="1733849001" xml:lang="EN-US">Also, Wise Business Plans is available to new business owners, as well as to those who are already established, making this company perfect if you’re just starting out and want to build business credit without a personal credit check.  </p> <h3 aria-level="3" lang="EN-US" paraeid="{ad204b9d-8f91-40fc-a3ab-b2e421b94b14}{18}" paraid="1241263599" role="heading" xml:lang="EN-US">Shirtsy </h3> <p lang="EN-US" paraeid="{ad204b9d-8f91-40fc-a3ab-b2e421b94b14}{33}" paraid="1265411991" xml:lang="EN-US"><a href="https://shirtsy.com/net-30-application/" rel="noreferrer noopener" target="_blank">Shirtsy</a> is a net 30 vendor that offers on-demand printing for T-shirts, mugs, tote bags, and other products, as well as decorative wall art.  </p> <p lang="EN-US" paraeid="{ad204b9d-8f91-40fc-a3ab-b2e421b94b14}{49}" paraid="260244987" xml:lang="EN-US">If you’re looking to create branded merchandise and want a vendor that reports to D&B, Equifax, Experian, and Creditsafe, they’re worth checking out.  </p> <p lang="EN-US" paraeid="{ad204b9d-8f91-40fc-a3ab-b2e421b94b14}{65}" paraid="2129842523" xml:lang="EN-US">Like Wise Business Plans, Shirtsy doesn’t perform a personal credit check and doesn’t require a personal guarantee. </p> <p lang="EN-US" paraeid="{ad204b9d-8f91-40fc-a3ab-b2e421b94b14}{81}" paraid="502506763" xml:lang="EN-US">They simply require that you’ve been in business for at least 30 days, have at least 75% ownership in your company, and have an EIN. The only downside is that they charge a $99 annual membership fee, which creates an added business expense.  </p> <p lang="EN-US" paraeid="{ad204b9d-8f91-40fc-a3ab-b2e421b94b14}{97}" paraid="999851317" xml:lang="EN-US">But when you factor in the credit score boost Shirtsy can give to business owners and the straightforward application process, it’s a pretty good deal overall.  </p> <h3 aria-level="3" lang="EN-US" paraeid="{ad204b9d-8f91-40fc-a3ab-b2e421b94b14}{108}" paraid="280350794" role="heading" xml:lang="EN-US">The CEO Creative </h3> <p lang="EN-US" paraeid="{ad204b9d-8f91-40fc-a3ab-b2e421b94b14}{123}" paraid="1949746440" xml:lang="EN-US">Finally, <a href="https://theceocreative.com/business-net-30-account/" rel="noreferrer noopener" target="_blank">The CEO Creative</a> is a net 30 vendor that offers office supplies, electronics, office cleaning products, and other items to cover a wide array of business needs.  </p> <p lang="EN-US" paraeid="{ad204b9d-8f91-40fc-a3ab-b2e421b94b14}{139}" paraid="89233960" xml:lang="EN-US">In terms of reporting, this vendor reports to Equifax and Creditsafe. While this isn’t as extensive as Wise Business Plans and Shirtsy, reporting to these two business credit bureaus can still help you achieve good business credit over time.  </p> <p lang="EN-US" paraeid="{ad204b9d-8f91-40fc-a3ab-b2e421b94b14}{155}" paraid="622878995" xml:lang="EN-US">The CEO Creative doesn’t perform a personal credit check, nor do they require a personal guarantee. </p> <p lang="EN-US" paraeid="{ad204b9d-8f91-40fc-a3ab-b2e421b94b14}{171}" paraid="110524749" xml:lang="EN-US">They only require a business to be US-based, have existed for at least 30 days, have a clean business history, and not have any late payments.  </p> <p lang="EN-US" paraeid="{ad204b9d-8f91-40fc-a3ab-b2e421b94b14}{187}" paraid="1408713584" xml:lang="EN-US">Just note that The CEO Creative requires a $49 annual membership. That’s less than what many other net 30 vendors charge, but it is something to take into account before applying.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{ad204b9d-8f91-40fc-a3ab-b2e421b94b14}{198}" paraid="1625744942" role="heading" xml:lang="EN-US">Final Thoughts </h2> <p lang="EN-US" paraeid="{ad204b9d-8f91-40fc-a3ab-b2e421b94b14}{213}" paraid="2118245561" xml:lang="EN-US">Ideally, you’ll have a strong personal credit score when seeking to build business credit, as this makes it easier to obtain business credit cards, loans, and other forms of financing.  </p> <p lang="EN-US" paraeid="{ad204b9d-8f91-40fc-a3ab-b2e421b94b14}{229}" paraid="2017766333" xml:lang="EN-US">However, if you have bad credit, it shouldn’t be a dealbreaker because there are workarounds that can still help you build business credit. </p> <p lang="EN-US" paraeid="{ad204b9d-8f91-40fc-a3ab-b2e421b94b14}{245}" paraid="1204312005" xml:lang="EN-US">These mainly include:  </p> <ul> <li lang="EN-US" paraeid="{f4d309b0-4adc-4a0b-b8ff-31d7f4b617f2}{6}" paraid="1632077247" xml:lang="EN-US">Focusing on business credit report building strategies that don’t involve using personal credit </li> <li lang="EN-US" paraeid="{f4d309b0-4adc-4a0b-b8ff-31d7f4b617f2}{22}" paraid="149170376" xml:lang="EN-US">Getting business credit cards that are designed for individuals with lower personal credit scores </li> <li lang="EN-US" paraeid="{f4d309b0-4adc-4a0b-b8ff-31d7f4b617f2}{42}" paraid="1768146677" xml:lang="EN-US">Using a tool like eCredable that transforms your business bills into tradelines </li> <li lang="EN-US" paraeid="{f4d309b0-4adc-4a0b-b8ff-31d7f4b617f2}{62}" paraid="39695177" xml:lang="EN-US">Partnering with a net 30 vendor that doesn’t perform a personal credit check </li> </ul> <p lang="EN-US" paraeid="{f4d309b0-4adc-4a0b-b8ff-31d7f4b617f2}{82}" paraid="1080945591" xml:lang="EN-US">Using a mix of these techniques should help get the ball rolling and hopefully overcome bad credit. </p> <h2 aria-level="2" lang="EN-US" paraeid="{f4d309b0-4adc-4a0b-b8ff-31d7f4b617f2}{101}" paraid="1138637775" role="heading" xml:lang="EN-US">FAQs </h2> <h3 aria-level="3" lang="EN-US" paraeid="{f4d309b0-4adc-4a0b-b8ff-31d7f4b617f2}{116}" paraid="1670234453" role="heading" xml:lang="EN-US">Does Business Credit Affect Personal Credit? </h3> <p lang="EN-US" paraeid="{f4d309b0-4adc-4a0b-b8ff-31d7f4b617f2}{131}" paraid="1462550273" xml:lang="EN-US">Yes, business credit can affect your personal credit in a few ways.  </p> <p lang="EN-US" paraeid="{f4d309b0-4adc-4a0b-b8ff-31d7f4b617f2}{147}" paraid="1923789568" xml:lang="EN-US">When applying for a business credit card, there will often be a hard inquiry, which can slightly lower your personal credit score. But it should return to normal within a year.  </p> <p lang="EN-US" paraeid="{f4d309b0-4adc-4a0b-b8ff-31d7f4b617f2}{163}" paraid="1063324574" xml:lang="EN-US">Your business credit payment history can impact your personal credit, especially if you fail to make a payment on time.  </p> <p lang="EN-US" paraeid="{f4d309b0-4adc-4a0b-b8ff-31d7f4b617f2}{179}" paraid="1870930173" xml:lang="EN-US">Also, if you provide a personal guarantee and you default, it can be extremely detrimental to your personal credit and overall finances.  </p> <h3 aria-level="3" lang="EN-US" paraeid="{f4d309b0-4adc-4a0b-b8ff-31d7f4b617f2}{190}" paraid="836343487" role="heading" xml:lang="EN-US">Can I Get a Business Loan with a 500 Personal Credit Score? </h3> <p lang="EN-US" paraeid="{f4d309b0-4adc-4a0b-b8ff-31d7f4b617f2}{205}" paraid="355471113" xml:lang="EN-US">In most cases, you’ll need at least a 580 personal credit score to qualify for a business loan (a number that’s slightly lower than what you’ll find for a business line of credit, which is <a href="https://www.lendingtree.com/business/line-of-credit/#:~:text=Credit%20score%3A%20Your%20personal%20FICO,secure%20a%20better%20interest%20rate." rel="noreferrer noopener" target="_blank">around 600</a>). </p> <p lang="EN-US" paraeid="{f4d309b0-4adc-4a0b-b8ff-31d7f4b617f2}{221}" paraid="670400337" xml:lang="EN-US">An SBA loan from the Small Business Administration requires a significantly higher score <a href="https://www.bankrate.com/loans/small-business/business-loan-credit-score/#why" rel="noreferrer noopener" target="_blank">in the mid-600s</a>, while a business loan from a bank or credit union may require an even higher score than that.  </p> <p lang="EN-US" paraeid="{f4d309b0-4adc-4a0b-b8ff-31d7f4b617f2}{237}" paraid="2117339363" xml:lang="EN-US">However, some online lenders will still offer a bad credit business loan if you have a <a href="https://www.nerdwallet.com/article/small-business/how-to-qualify-for-small-business-loans" rel="noreferrer noopener" target="_blank">500 personal credit score</a>. The same is often true for a merchant cash advance.  </p> <p lang="EN-US" paraeid="{f4d309b0-4adc-4a0b-b8ff-31d7f4b617f2}{253}" paraid="15488709" xml:lang="EN-US">You shouldn’t expect great terms and interest rates, but it is possible.  </p> <h3 aria-level="3" lang="EN-US" paraeid="{374223f3-43ad-4c3b-8bc4-81d582a05d00}{9}" paraid="409766795" role="heading" xml:lang="EN-US">How Do I Build My Personal Credit Score? </h3> <p lang="EN-US" paraeid="{374223f3-43ad-4c3b-8bc4-81d582a05d00}{24}" paraid="2126484089" xml:lang="EN-US">Some proven ways to build your personal credit include: </p> <ul> <li lang="EN-US" paraeid="{374223f3-43ad-4c3b-8bc4-81d582a05d00}{40}" paraid="512673372" xml:lang="EN-US">Maintain a positive payment history with your personal credit card and other personal credit accounts. At the very least, be sure to pay each credit account on time. But if you can pay in advance, that’s even better for overcoming bad credit.  </li> <li lang="EN-US" paraeid="{374223f3-43ad-4c3b-8bc4-81d582a05d00}{56}" paraid="136951033" xml:lang="EN-US">Lower your credit utilization ratio, and try to keep it at 30% or less. </li> <li lang="EN-US" paraeid="{374223f3-43ad-4c3b-8bc4-81d582a05d00}{76}" paraid="1410900241" xml:lang="EN-US">Routinely check your personal credit report to ensure there are no mistakes or discrepancies. </li> <li lang="EN-US" paraeid="{374223f3-43ad-4c3b-8bc4-81d582a05d00}{96}" paraid="1862734940" xml:lang="EN-US">Keep old credit accounts open rather than closing them because this 1) reduces your credit utilization ratio because you have access to more credit and 2) increases your credit history length. </li> </ul> <h3 aria-level="3" lang="EN-US" paraeid="{374223f3-43ad-4c3b-8bc4-81d582a05d00}{116}" paraid="434119404" role="heading" xml:lang="EN-US">What Are the General Requirements for Business Loans? </h3> <p lang="EN-US" paraeid="{374223f3-43ad-4c3b-8bc4-81d582a05d00}{134}" paraid="288559277" xml:lang="EN-US">Lenders will typically require the following to be eligible for a business loan: </p> <ul> <li lang="EN-US" paraeid="{374223f3-43ad-4c3b-8bc4-81d582a05d00}{150}" paraid="1410958363" xml:lang="EN-US">A personal credit score of at least 580, although certain online lenders may go as low as 500 </li> <li lang="EN-US" paraeid="{374223f3-43ad-4c3b-8bc4-81d582a05d00}{166}" paraid="987896872" xml:lang="EN-US">Proper business documentation, such as an address and phone number, a separate business bank account, EIN, and so on </li> <li lang="EN-US" paraeid="{374223f3-43ad-4c3b-8bc4-81d582a05d00}{186}" paraid="339602942" xml:lang="EN-US">Adequate cash flow ($100,000 is usually the minimum for traditional lenders) </li> <li lang="EN-US" paraeid="{374223f3-43ad-4c3b-8bc4-81d582a05d00}{206}" paraid="1841921386" xml:lang="EN-US">A personal guarantee in many cases, if you don’t have an established business credit history </li> </ul> <p lang="EN-US" paraeid="{374223f3-43ad-4c3b-8bc4-81d582a05d00}{226}" paraid="807686720" xml:lang="EN-US"> </p> <grammarly-desktop-integration data-grammarly-shadow-root="true"></grammarly-desktop-integration></body> </html> 767The 4 Business Credit Tiershttps://business.ecredable.com/resources/blog/postid/770/business-credit-tiersBusiness CreditFri, 23 Feb 2024 08:00:00 GMT<html> <head> <title></title> </head> <body data-gr-ext-installed="" data-new-gr-c-s-check-loaded="14.1155.0"> <h1 lang="EN-US" paraeid="{f0d86ac5-477e-40bb-8e2e-9382b250ef28}{78}" paraid="1931767945" xml:lang="EN-US">The 4 Business Credit Tiers </h1> <p lang="EN-US" paraeid="{f0d86ac5-477e-40bb-8e2e-9382b250ef28}{126}" paraid="891202830" xml:lang="EN-US">There are four tiers of business financing. The lowest are the most accessible but provide the least attractive terms, while the highest are tough to qualify for but provide the most significant benefits.  </p> <p lang="EN-US" paraeid="{f0d86ac5-477e-40bb-8e2e-9382b250ef28}{142}" paraid="1586673712" xml:lang="EN-US">We’ll cover what they are, how they work, and how you climb the ranks. </p> <h2 aria-level="2" lang="EN-US" paraeid="{f0d86ac5-477e-40bb-8e2e-9382b250ef28}{153}" paraid="1681604510" role="heading" xml:lang="EN-US">The 4 Tiers of Business Financing </h2> <h3 aria-level="3" lang="EN-US" paraeid="{f0d86ac5-477e-40bb-8e2e-9382b250ef28}{168}" paraid="695474577" role="heading" xml:lang="EN-US">Tier 1: Basic Trade Credit </h3> <p lang="EN-US" paraeid="{f0d86ac5-477e-40bb-8e2e-9382b250ef28}{183}" paraid="1484909602" xml:lang="EN-US">Trade credit refers to a financing arrangement between you and a company that doesn’t specialize in offering credit, such as a supplier or utility company. Often called vendor tradelines, these accounts generally grant you extended repayment terms. </p> <p lang="EN-US" paraeid="{f0d86ac5-477e-40bb-8e2e-9382b250ef28}{194}" paraid="280190043" xml:lang="EN-US">Basic trade credit, the first business credit tier, refers to the most accessible accounts. You can usually qualify for them even as a new business owner with little to no business credit history, as long as you don’t have any delinquencies or defaults. </p> <p lang="EN-US" paraeid="{f0d86ac5-477e-40bb-8e2e-9382b250ef28}{205}" paraid="375835984" xml:lang="EN-US">Basic trade accounts also offer the least impressive credit benefits, such as net 30 terms. However, that doesn’t mean they aren’t beneficial. After all, a month of interest-free financing is just as much as a business credit card. </p> <p lang="EN-US" paraeid="{f0d86ac5-477e-40bb-8e2e-9382b250ef28}{216}" paraid="752769733" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/tier-1-business-credit-vendors2" rel="noreferrer noopener" target="_blank">Tier 1</a> is where most business owners start building their business credit journey. Generally, it’s best to target accounts with vendors that offer something you need (to avoid wasted purchases) and report to multiple business credit bureaus. </p> <p lang="EN-US" paraeid="{f0d86ac5-477e-40bb-8e2e-9382b250ef28}{227}" paraid="1787269405" xml:lang="EN-US">For example, some of the best basic trade credit accounts include: </p> <ul> <li lang="EN-US" paraeid="{f0d86ac5-477e-40bb-8e2e-9382b250ef28}{238}" paraid="1747640522" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/quill-net-30" rel="noreferrer noopener" target="_blank">Quill net 30</a>, which reports to Dun & Bradstreet (D&B) and Experian Business </li> <li lang="EN-US" paraeid="{2ecb6139-04d2-44ed-b3e1-b6cdd1b492a8}{6}" paraid="1174293316" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/shirtsy-net-30" rel="noreferrer noopener" target="_blank">Shirtsy net 30</a>, which reports to D&B, Experian Business, and Equifax Business </li> </ul> <p lang="EN-US" paraeid="{2ecb6139-04d2-44ed-b3e1-b6cdd1b492a8}{26}" paraid="1627155435" xml:lang="EN-US">Before applying for any basic trade accounts, you should also consider the costs associated with them. Many tier 1 vendors have application or membership fees, which can add up quickly. </p> <h3 aria-level="3" lang="EN-US" paraeid="{2ecb6139-04d2-44ed-b3e1-b6cdd1b492a8}{40}" paraid="1533476092" role="heading" xml:lang="EN-US">Tier 2: Advanced Trade Credit </h3> <p lang="EN-US" paraeid="{2ecb6139-04d2-44ed-b3e1-b6cdd1b492a8}{55}" paraid="1344205068" xml:lang="EN-US">Basic trade credit refers to the most accessible vendor tradelines with the shortest repayment terms. Advanced trade credit accounts are still vendor tradelines, but are a step up in both categories. </p> <p lang="EN-US" paraeid="{2ecb6139-04d2-44ed-b3e1-b6cdd1b492a8}{66}" paraid="1962827566" xml:lang="EN-US">In other words, they’re generally harder to qualify for than basic trade credit accounts. New business owners usually can’t qualify for them. Instead, you should establish a positive payment history with a few tier 1 accounts before you apply. </p> <p lang="EN-US" paraeid="{2ecb6139-04d2-44ed-b3e1-b6cdd1b492a8}{77}" paraid="1436242153" xml:lang="EN-US">In addition, they tend to offer more attractive financing terms, though they’re on the same order of magnitude. For instance, Home Depot’s commercial account is a good example of a <a href="https://business.ecredable.com/resources/blog/tier-2-business-credit-vendors1" rel="noreferrer noopener" target="_blank">tier 2 business credit account</a>. </p> <p lang="EN-US" paraeid="{2ecb6139-04d2-44ed-b3e1-b6cdd1b492a8}{88}" paraid="1693799679" xml:lang="EN-US">To qualify, you should have at least a few tier 1 vendor tradelines with positive payment histories and no late payments. Home Depot also requires a personal guarantee if your business: </p> <ul> <li lang="EN-US" paraeid="{2ecb6139-04d2-44ed-b3e1-b6cdd1b492a8}{99}" paraid="324247647" xml:lang="EN-US">Is less than two years old </li> <li lang="EN-US" paraeid="{2ecb6139-04d2-44ed-b3e1-b6cdd1b492a8}{115}" paraid="1624048653" xml:lang="EN-US">Employs fewer than 10 workers </li> <li lang="EN-US" paraeid="{2ecb6139-04d2-44ed-b3e1-b6cdd1b492a8}{135}" paraid="247557102" xml:lang="EN-US">Is a partnership or sole proprietorship </li> <li lang="EN-US" paraeid="{2ecb6139-04d2-44ed-b3e1-b6cdd1b492a8}{155}" paraid="296295288" xml:lang="EN-US">Has less than $2 million in annual revenue </li> </ul> <p lang="EN-US" paraeid="{2ecb6139-04d2-44ed-b3e1-b6cdd1b492a8}{175}" paraid="716443620" xml:lang="EN-US">If you qualify for the account, you’ll gain access to net 60 repayment terms, giving you two billing periods to pay off your balances before interest starts accruing. If you pay within 20 days, you’ll also get a 2% discount as a reward. </p> <h3 aria-level="3" lang="EN-US" paraeid="{2ecb6139-04d2-44ed-b3e1-b6cdd1b492a8}{189}" paraid="56485294" role="heading" xml:lang="EN-US">Tier 3: Superior Vendor Credit </h3> <p lang="EN-US" paraeid="{2ecb6139-04d2-44ed-b3e1-b6cdd1b492a8}{204}" paraid="1783679266" xml:lang="EN-US">To get to the third tier of business credit, you should have around half a dozen lower-tier vendor tradelines in your business credit reports. A good benchmark is to aim for three each in tier 1 and tier 2. </p> <p lang="EN-US" paraeid="{2ecb6139-04d2-44ed-b3e1-b6cdd1b492a8}{215}" paraid="1158058929" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/tier-3-business-credit-vendors2" rel="noreferrer noopener" target="_blank">Tier 3 vendor tradelines</a> are even harder to qualify for and are more beneficial than those mentioned in the previous sections. In addition to extended repayment terms, tier 3 is where you usually start seeing accounts like business credit cards and loans. </p> <p lang="EN-US" paraeid="{2ecb6139-04d2-44ed-b3e1-b6cdd1b492a8}{226}" paraid="913322137" xml:lang="EN-US">For example, Amazon is a tier 3 vendor that offers a variety of credit arrangements, including the following: </p> <ul> <li lang="EN-US" paraeid="{2ecb6139-04d2-44ed-b3e1-b6cdd1b492a8}{237}" paraid="1286164816" xml:lang="EN-US"><strong>Pay By Invoice: </strong>When you combine this with a subscription to Amazon Business Prime membership, you can gain access to extended repayment terms, ranging from net 45 to net 60.  </li> <li lang="EN-US" paraeid="{2ecb6139-04d2-44ed-b3e1-b6cdd1b492a8}{253}" paraid="1590193309" xml:lang="EN-US"><strong>Business Lines of Credit: </strong>Amazon offers a variety of financing arrangements through its Amazon Lending platform. You can apply for a traditional or interest-only business loan, a revolving line of credit, or a merchant cash advance. </li> <li lang="EN-US" paraeid="{3b06f589-a573-49ee-b478-ba29d5838638}{18}" paraid="169331686" xml:lang="EN-US"><strong>Business Credit Card: </strong>Amazon also offers an American Express card. It has no annual fee and earns 2% back on restaurant, gas, and telephone expenses. You can also choose 3% back on your first $120K spent each year or 60 days to pay back your balances. </li> </ul> <p lang="EN-US" paraeid="{3b06f589-a573-49ee-b478-ba29d5838638}{38}" paraid="1090930340" xml:lang="EN-US">As you can see, these are well beyond extended repayment terms and get into advanced financing arrangements, like you might see at a traditional financial institution. You should have an established business credit history and score before you apply. </p> <h3 aria-level="3" lang="EN-US" paraeid="{3b06f589-a573-49ee-b478-ba29d5838638}{52}" paraid="1956192251" role="heading" xml:lang="EN-US">Tier 4: Top-Tier Vendor Credit </h3> <p lang="EN-US" paraeid="{3b06f589-a573-49ee-b478-ba29d5838638}{67}" paraid="246686936" xml:lang="EN-US">By the time you start applying for tier 4 credit accounts, you should aim to have a good business credit score and a well-established business credit history. Some good targets are an 80 PAYDEX score and around 12 to 14 tradelines in each business credit report. </p> <p lang="EN-US" paraeid="{3b06f589-a573-49ee-b478-ba29d5838638}{78}" paraid="1310817872" xml:lang="EN-US">Tier 4 refers to the best vendor financing arrangements. When you get this tier, you start seeing commercial auto loans, computer financing, and the best credit cards. You may even be able to work with some bank lenders. </p> <p lang="EN-US" paraeid="{3b06f589-a573-49ee-b478-ba29d5838638}{89}" paraid="1642301665" xml:lang="EN-US">For example, tier 4 includes accounts like: </p> <ul> <li lang="EN-US" paraeid="{3b06f589-a573-49ee-b478-ba29d5838638}{100}" paraid="314852187" xml:lang="EN-US">Dell’s revolving line of credit </li> <li lang="EN-US" paraeid="{3b06f589-a573-49ee-b478-ba29d5838638}{116}" paraid="2118905467" xml:lang="EN-US">Ford’s commercial vehicle financing </li> <li lang="EN-US" paraeid="{3b06f589-a573-49ee-b478-ba29d5838638}{136}" paraid="1697934087" xml:lang="EN-US">Chevron/Texaco universal business card </li> </ul> <p lang="EN-US" paraeid="{3b06f589-a573-49ee-b478-ba29d5838638}{156}" paraid="1768341246" xml:lang="EN-US">Technically, it is possible to jump straight to tier 4 and secure accounts like these based on your high annual income and good credit score at the personal level. However, it generally requires that you sign a personal guarantee. </p> <p lang="EN-US" paraeid="{3b06f589-a573-49ee-b478-ba29d5838638}{170}" paraid="89923344" xml:lang="EN-US">If you use that strategy, your personal credit rating and finances will be at risk. Working your way up through the lower tiers and establishing your business’s credit is the best way to avoid taking personal responsibility for its debts. </p> <h2 aria-level="2" lang="EN-US" paraeid="{3b06f589-a573-49ee-b478-ba29d5838638}{181}" paraid="1784551720" role="heading" xml:lang="EN-US">Build a Foundation for Your Business </h2> <p lang="EN-US" paraeid="{3b06f589-a573-49ee-b478-ba29d5838638}{196}" paraid="996226454" xml:lang="EN-US">Before you start climbing your way up the business credit tiers, it’s best to establish your business as an entity separate from yourself. That helps you avoid taking on responsibility for its debts from the start, protecting your personal assets and credit. </p> <p lang="EN-US" paraeid="{3b06f589-a573-49ee-b478-ba29d5838638}{207}" paraid="179901554" xml:lang="EN-US">For example, here are some of the most significant steps you can take: </p> <ul> <li lang="EN-US" paraeid="{3b06f589-a573-49ee-b478-ba29d5838638}{218}" paraid="209579778" xml:lang="EN-US"><strong>Form the right business entity:</strong> Sole proprietorships are legally indistinguishable from their owners. In contrast, setting up your company as a corporation or LLC makes it a separate entity and limits your personal liability. </li> <li lang="EN-US" paraeid="{3b06f589-a573-49ee-b478-ba29d5838638}{234}" paraid="914356636" xml:lang="EN-US"><strong>Set up a business bank account: </strong>Not only does having a separate business bank account make it easier to do your bookkeeping, but many creditors will check for one (and a bank reference) when you apply for credit. </li> <li lang="EN-US" paraeid="{3b06f589-a573-49ee-b478-ba29d5838638}{254}" paraid="1924334714" xml:lang="EN-US"><strong>Have a business address and phone number:</strong> Third parties should be able to communicate with your business directly. If they have to use your contact information, it looks more like the two entities are the same. </li> <li lang="EN-US" paraeid="{d4eb9d09-99ee-45fe-803d-67ce706920ca}{19}" paraid="646949196" xml:lang="EN-US"><strong>Get a DUNS Number: </strong>A DUNS number is a unique nine-digit number used to identify businesses in the D&B database. You’ll often need to provide it when applying for business credit. </li> <li lang="EN-US" paraeid="{d4eb9d09-99ee-45fe-803d-67ce706920ca}{39}" paraid="149125864" xml:lang="EN-US"><strong>Get an Employer Identification Number (EIN): </strong>This is your business’s tax identification number. Think of it as your company’s Social Security Number (SSN). In fact, you can apply for credit with it instead of your SSN to avoid taking out financing in your own name.  </li> </ul> <p lang="EN-US" paraeid="{d4eb9d09-99ee-45fe-803d-67ce706920ca}{59}" paraid="1266801806" xml:lang="EN-US">Each of these steps helps paint the picture that your business is an entity separate from yourself. The more of them you take, the easier it will be to borrow in your business’ name without using your SSN or signing a personal guarantee. </p> <h2 aria-level="2" lang="EN-US" paraeid="{d4eb9d09-99ee-45fe-803d-67ce706920ca}{73}" paraid="1127098286" role="heading" xml:lang="EN-US">Check Your Business Credit Scores </h2> <p lang="EN-US" paraeid="{d4eb9d09-99ee-45fe-803d-67ce706920ca}{88}" paraid="1281154204" xml:lang="EN-US">When you start climbing the business credit tiers and building a positive payment history, no business credit bureau will have enough data to generate a credit score for you. That should change somewhere after the first three to five accounts. </p> <p lang="EN-US" paraeid="{d4eb9d09-99ee-45fe-803d-67ce706920ca}{99}" paraid="2075297985" xml:lang="EN-US">By the time you’re working through tier 2, you should look to see if you have a business credit score. Once you have enough of a history to generate one, check it regularly to make sure you're progressing. </p> <p lang="EN-US" paraeid="{d4eb9d09-99ee-45fe-803d-67ce706920ca}{110}" paraid="2059622574" xml:lang="EN-US">You can get a copy of your various business scores and credit reports through <a href="https://businesscreditreports.com/" rel="noreferrer noopener" target="_blank">Business Credit Reports</a>. </p> <h2 aria-level="2" lang="EN-US" paraeid="{d4eb9d09-99ee-45fe-803d-67ce706920ca}{121}" paraid="1258982095" role="heading" xml:lang="EN-US">Build Business Credit </h2> <p lang="EN-US" paraeid="{d4eb9d09-99ee-45fe-803d-67ce706920ca}{136}" paraid="1306489666" xml:lang="EN-US">Building business credit with vendor accounts traditionally requires a significant investment of time and money. There’s nothing wrong with slow and steady, but eCredable’s Business Lift program offers a much more efficient method. </p> <p lang="EN-US" paraeid="{d4eb9d09-99ee-45fe-803d-67ce706920ca}{147}" paraid="213376468" xml:lang="EN-US">When you connect your trade credit accounts to our service, we’ll report them to the credit bureaus for you, transforming them into vendor tradelines. That includes up to 24 months of past payments, helping you build years of business credit history overnight! </p> <p lang="EN-US" paraeid="{d4eb9d09-99ee-45fe-803d-67ce706920ca}{158}" paraid="405071678" xml:lang="EN-US">Instead of paying for membership fees and minimum orders across a dozen new vendor tradelines, you only have to pay for our $19.95 monthly subscription. To top it off, we’ll also report that payment to the credit bureaus. </p> <p lang="EN-US" paraeid="{d4eb9d09-99ee-45fe-803d-67ce706920ca}{169}" paraid="1301036707" xml:lang="EN-US"><a href="https://business.ecredable.com/join" rel="noreferrer noopener" target="_blank">Sign up for eCredable</a> today and take the shortcut to good business credit! </p> <p lang="EN-US" paraeid="{d4eb9d09-99ee-45fe-803d-67ce706920ca}{180}" paraid="831329588" xml:lang="EN-US"> </p> <p lang="EN-US" paraeid="{f0d86ac5-477e-40bb-8e2e-9382b250ef28}{72}" paraid="936314685" xml:lang="EN-US"> </p> </body> <grammarly-desktop-integration data-grammarly-shadow-root="true"></grammarly-desktop-integration></html> 770Six Tier 4 Business Credit Vendors - For Big-Time Financinghttps://business.ecredable.com/resources/blog/postid/766/tier-4-business-credit-vendorsBusiness Credit,Business Credit VendorsThu, 22 Feb 2024 01:47:00 GMT<html> <head> <title></title> </head> <body data-gr-ext-installed="" data-new-gr-c-s-check-loaded="14.1155.0"> <h1 lang="EN-US" paraeid="{f98a226d-f811-4dbe-b22c-971977270076}{18}" paraid="362079481" xml:lang="EN-US">Six Tier 4 Business Credit Vendors - For Big-Time Financing</h1> <p lang="EN-US" paraeid="{f98a226d-f811-4dbe-b22c-971977270076}{18}" paraid="362079481" xml:lang="EN-US">Getting tradelines from vendors who report to at least one business credit bureau is one of the best ways to build business credit.  </p> <p lang="EN-US" paraeid="{f98a226d-f811-4dbe-b22c-971977270076}{82}" paraid="159793059" xml:lang="EN-US">Note, however, that one of the key differences among vendor accounts is their tiers. </p> <p lang="EN-US" paraeid="{f98a226d-f811-4dbe-b22c-971977270076}{98}" paraid="1090962603" xml:lang="EN-US">Lower-tier vendors, like <a href="https://business.ecredable.com/resources/blog/tier-1-business-credit-vendors2" rel="noreferrer noopener" target="_blank">tier 1</a> or tier 2, are generally easier to apply for and have fewer eligibility requirements than higher-tier vendors, like tier 3 or tier 4, which often have extensive requirements.  </p> <p lang="EN-US" paraeid="{f98a226d-f811-4dbe-b22c-971977270076}{114}" paraid="94222009" xml:lang="EN-US">Lower-tier vendors also don’t usually offer as much financing as higher-tier vendors. So if you want access to serious cash flow and have a solid business credit history, higher-tier vendors are likely a good choice.  </p> <p lang="EN-US" paraeid="{f98a226d-f811-4dbe-b22c-971977270076}{130}" paraid="942841182" xml:lang="EN-US">With that said, here are six tier 4 business credit vendors, some of which offer a net 30 account.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{f98a226d-f811-4dbe-b22c-971977270076}{141}" paraid="564348090" role="heading" xml:lang="EN-US">1. Ally Car Financing </h2> <p lang="EN-US" paraeid="{f98a226d-f811-4dbe-b22c-971977270076}{156}" paraid="1778401812" xml:lang="EN-US">Ally Financial offers multiple services, including checking, savings, credit cards, and mortgages.  </p> <p lang="EN-US" paraeid="{f98a226d-f811-4dbe-b22c-971977270076}{172}" paraid="213567277" xml:lang="EN-US">They also offer commercial auto financing to eligible businesses and report to two business credit bureaus to help boost your business credit score.  </p> <p lang="EN-US" paraeid="{f98a226d-f811-4dbe-b22c-971977270076}{188}" paraid="762956325" xml:lang="EN-US">To be eligible for an Ally account, you must have: </p> <ul> <li lang="EN-US" paraeid="{f98a226d-f811-4dbe-b22c-971977270076}{204}" paraid="1790854530" xml:lang="EN-US">An EIN </li> <li lang="EN-US" paraeid="{f98a226d-f811-4dbe-b22c-971977270076}{227}" paraid="218402071" xml:lang="EN-US">A DUNS number </li> <li lang="EN-US" paraeid="{f98a226d-f811-4dbe-b22c-971977270076}{247}" paraid="1239325518" xml:lang="EN-US">A business address that matches everywhere </li> <li lang="EN-US" paraeid="{f8d54751-59c9-42ef-8c5d-f3dc204d90bf}{12}" paraid="284724000" xml:lang="EN-US">A business bank account </li> <li lang="EN-US" paraeid="{f8d54751-59c9-42ef-8c5d-f3dc204d90bf}{32}" paraid="1372276485" xml:lang="EN-US">A bank reference </li> <li lang="EN-US" paraeid="{f8d54751-59c9-42ef-8c5d-f3dc204d90bf}{52}" paraid="1657699305" xml:lang="EN-US">Auto fleet financing references </li> <li lang="EN-US" paraeid="{f8d54751-59c9-42ef-8c5d-f3dc204d90bf}{72}" paraid="1779118383" xml:lang="EN-US">A strong credit report </li> </ul> <div> </div> <p lang="EN-US" paraeid="{f8d54751-59c9-42ef-8c5d-f3dc204d90bf}{100}" paraid="1790038945" xml:lang="EN-US">Ally also requires you to be in good standing with the Secretary of State and have relevant business licenses. If that all checks out, you should be able to obtain business financing from this vendor without a personal guarantee.  </p> <p lang="EN-US" paraeid="{f8d54751-59c9-42ef-8c5d-f3dc204d90bf}{111}" paraid="96776217" xml:lang="EN-US">Also, note that you’re not required to be in business for any minimum amount of time with Ally, making this a good option for small business owners just starting out.  </p> <p lang="EN-US" paraeid="{f8d54751-59c9-42ef-8c5d-f3dc204d90bf}{127}" paraid="620373650" xml:lang="EN-US"><strong>This financing is reported to the following credit bureaus:</strong> Experian Business and Equifax Business </p> <p lang="EN-US" paraeid="{f8d54751-59c9-42ef-8c5d-f3dc204d90bf}{143}" paraid="1641823765" xml:lang="EN-US"><strong>Vendor Link:</strong> <a href="https://www.ally.com/auto/business/" rel="noreferrer noopener" target="_blank">https://www.ally.com/auto/business/</a> </p> <h2 aria-level="2" lang="EN-US" paraeid="{f8d54751-59c9-42ef-8c5d-f3dc204d90bf}{154}" paraid="949769322" role="heading" xml:lang="EN-US">2. Brex </h2> <p lang="EN-US" paraeid="{f8d54751-59c9-42ef-8c5d-f3dc204d90bf}{169}" paraid="1907850182" xml:lang="EN-US">This vendor offers an “AI-powered spend platform” that helps you conveniently manage business expenses while also improving your credit report.  </p> <p lang="EN-US" paraeid="{f8d54751-59c9-42ef-8c5d-f3dc204d90bf}{185}" paraid="1006016236" xml:lang="EN-US">With it, you can automate expense reports, pay business bills, do budgeting, and more.   </p> <p lang="EN-US" paraeid="{f8d54751-59c9-42ef-8c5d-f3dc204d90bf}{201}" paraid="887513844" xml:lang="EN-US">We consider Brex a top tier 4 business credit builder because they report to all three major business credit bureaus. Reporting to other credit bureaus like CreditSafe is helpful, but at the end of the day, most business owners want vendors that report to “the big three.”  </p> <p lang="EN-US" paraeid="{f8d54751-59c9-42ef-8c5d-f3dc204d90bf}{217}" paraid="2032493470" xml:lang="EN-US">Brex offers a net 30 account, and the standard service has no fee. However, you can upgrade to a more robust net 30 account at an additional cost if you want more features.  </p> <p lang="EN-US" paraeid="{f8d54751-59c9-42ef-8c5d-f3dc204d90bf}{233}" paraid="431302588" xml:lang="EN-US">To qualify for a net 30 account with this vendor, you must have an average bank balance of $1 million, no bad credit history, and no delinquencies with your payment history.  </p> <p lang="EN-US" paraeid="{f8d54751-59c9-42ef-8c5d-f3dc204d90bf}{249}" paraid="670648237" xml:lang="EN-US"><strong>This tradeline is reported to the following credit bureaus: </strong>Dun & Bradstreet, Experian, and Equifax </p> <p lang="EN-US" paraeid="{f8fb8f1a-6dfc-41f9-a28e-13d7cc13c07d}{10}" paraid="1833613152" xml:lang="EN-US"><strong>Vendor Link: </strong><a href="https://www.brex.com/pricing" rel="noreferrer noopener" target="_blank">https://www.brex.com/pricing</a> </p> <h2 aria-level="2" lang="EN-US" paraeid="{f8fb8f1a-6dfc-41f9-a28e-13d7cc13c07d}{21}" paraid="876123750" role="heading" xml:lang="EN-US">3. Ford Pro </h2> <p lang="EN-US" paraeid="{f8fb8f1a-6dfc-41f9-a28e-13d7cc13c07d}{36}" paraid="572264792" xml:lang="EN-US">This is Ford’s commercial vehicle financing program that reports to each major business credit bureau — D&B, Experian, and Equifax.  </p> <p lang="EN-US" paraeid="{f8fb8f1a-6dfc-41f9-a28e-13d7cc13c07d}{52}" paraid="930445520" xml:lang="EN-US">If approved, you can get a business loan or lease on Ford vehicles.  </p> <p lang="EN-US" paraeid="{f8fb8f1a-6dfc-41f9-a28e-13d7cc13c07d}{68}" paraid="377758958" xml:lang="EN-US">Note that this vendor has some of the more rigorous eligibility requirements, where you must have: </p> <ul> <li lang="EN-US" paraeid="{f8fb8f1a-6dfc-41f9-a28e-13d7cc13c07d}{84}" paraid="1856233022" xml:lang="EN-US">An EIN </li> <li lang="EN-US" paraeid="{f8fb8f1a-6dfc-41f9-a28e-13d7cc13c07d}{100}" paraid="1940724426" xml:lang="EN-US">A DUNS number </li> <li lang="EN-US" paraeid="{f8fb8f1a-6dfc-41f9-a28e-13d7cc13c07d}{120}" paraid="1691336548" xml:lang="EN-US">A business address  </li> <li lang="EN-US" paraeid="{f8fb8f1a-6dfc-41f9-a28e-13d7cc13c07d}{140}" paraid="868966426" xml:lang="EN-US">A business bank account </li> <li lang="EN-US" paraeid="{f8fb8f1a-6dfc-41f9-a28e-13d7cc13c07d}{160}" paraid="2074652794" xml:lang="EN-US">Relevant business licenses </li> <li lang="EN-US" paraeid="{f8fb8f1a-6dfc-41f9-a28e-13d7cc13c07d}{180}" paraid="1541686818" xml:lang="EN-US">A well-established business credit history </li> </ul> <div> </div> <p lang="EN-US" paraeid="{f8fb8f1a-6dfc-41f9-a28e-13d7cc13c07d}{208}" paraid="274651587" xml:lang="EN-US">Ford also requires you to have a good Experian business credit score and be in good standing with the Secretary of State. In some cases, they’ll require a personal guarantee before offering trade credit.  </p> <p lang="EN-US" paraeid="{f8fb8f1a-6dfc-41f9-a28e-13d7cc13c07d}{224}" paraid="1289420789" xml:lang="EN-US">Note that this vendor account is not for sole proprietorships, and you must apply at a brick-and-mortar dealership.   </p> <p lang="EN-US" paraeid="{f8fb8f1a-6dfc-41f9-a28e-13d7cc13c07d}{240}" paraid="486527031" xml:lang="EN-US"><strong>This tradeline is reported to each major business credit bureau:</strong> Dun & Bradstreet, Experian, and Equifax </p> <p lang="EN-US" paraeid="{30f90f51-8d02-4c2c-a2c5-b24f3147ff59}{1}" paraid="215394902" xml:lang="EN-US"><strong>Vendor Link:</strong> <a href="https://www.fordpro.com/en-us/" rel="noreferrer noopener" target="_blank">https://www.fordpro.com/en-us/</a> </p> <h2 aria-level="2" lang="EN-US" paraeid="{30f90f51-8d02-4c2c-a2c5-b24f3147ff59}{12}" paraid="1208832984" role="heading" xml:lang="EN-US">4. Frost Bank Business Rewards Credit Card </h2> <p lang="EN-US" paraeid="{30f90f51-8d02-4c2c-a2c5-b24f3147ff59}{27}" paraid="2110816028" xml:lang="EN-US">This is a Texas-based bank that offers both personal and business banking.  </p> <p lang="EN-US" paraeid="{30f90f51-8d02-4c2c-a2c5-b24f3147ff59}{43}" paraid="985366536" xml:lang="EN-US">The Frost Bank Business Rewards Credit Card offers 1% unlimited cash back, airline miles, gift cards, merchandise, and other reward options. Besides that, Frost Bank offers $300,000 in travel accident insurance.   </p> <p lang="EN-US" paraeid="{30f90f51-8d02-4c2c-a2c5-b24f3147ff59}{59}" paraid="2087828288" xml:lang="EN-US">While not as impressive as Bank of America’s Preferred Rewards, many business owners should find this to be sufficient.  </p> <p lang="EN-US" paraeid="{30f90f51-8d02-4c2c-a2c5-b24f3147ff59}{75}" paraid="1611666127" xml:lang="EN-US">There’s a $25,000 monthly credit limit and a variable APR of 9.9% plus the Prime Rate. Frost Bank does not charge an annual fee.  </p> <p lang="EN-US" paraeid="{30f90f51-8d02-4c2c-a2c5-b24f3147ff59}{91}" paraid="1390918875" xml:lang="EN-US">To qualify for this business credit card, you must be a Frost Bank customer, have an EIN, and have a business address.  </p> <p lang="EN-US" paraeid="{30f90f51-8d02-4c2c-a2c5-b24f3147ff59}{107}" paraid="681925469" xml:lang="EN-US">And to avoid a personal guarantee, you must have $5 million in annual revenue and apply in person.  </p> <p lang="EN-US" paraeid="{30f90f51-8d02-4c2c-a2c5-b24f3147ff59}{123}" paraid="1354310711" xml:lang="EN-US">Also, note that this bank does not require you to be in business for any minimum length of time.  </p> <p lang="EN-US" paraeid="{30f90f51-8d02-4c2c-a2c5-b24f3147ff59}{139}" paraid="1092882007" xml:lang="EN-US"><strong>Business credit bureau reporting information: </strong>The credit account vendor does not disclose reporting information. Contact customer service to learn more.  </p> <p lang="EN-US" paraeid="{30f90f51-8d02-4c2c-a2c5-b24f3147ff59}{155}" paraid="951463828" xml:lang="EN-US"><strong>Vendor Link: </strong><a href="https://www.frostbank.com/" rel="noreferrer noopener" target="_blank">https://www.frostbank.com/</a> </p> <h2 aria-level="2" lang="EN-US" paraeid="{30f90f51-8d02-4c2c-a2c5-b24f3147ff59}{166}" paraid="949709286" role="heading" xml:lang="EN-US">5. Sunbelt Rentals </h2> <p lang="EN-US" paraeid="{30f90f51-8d02-4c2c-a2c5-b24f3147ff59}{181}" paraid="2134820361" xml:lang="EN-US">With over 950 locations and over 14,000 types of equipment, Sunbelt Rentals is one of North America’s largest equipment rental brands and will offer a net 30 account to eligible business owners.  </p> <p lang="EN-US" paraeid="{30f90f51-8d02-4c2c-a2c5-b24f3147ff59}{197}" paraid="85253761" xml:lang="EN-US">Some specific types of equipment they offer include: </p> <ul> <li lang="EN-US" paraeid="{30f90f51-8d02-4c2c-a2c5-b24f3147ff59}{213}" paraid="3561647" xml:lang="EN-US">Forklifts </li> <li lang="EN-US" paraeid="{30f90f51-8d02-4c2c-a2c5-b24f3147ff59}{229}" paraid="1834753533" xml:lang="EN-US">Construction tools </li> <li lang="EN-US" paraeid="{30f90f51-8d02-4c2c-a2c5-b24f3147ff59}{249}" paraid="1742588925" xml:lang="EN-US">Aerial work platforms </li> <li lang="EN-US" paraeid="{16302a06-cbc1-4b52-aee3-3bd7ecf08fd7}{14}" paraid="1626584234" xml:lang="EN-US">Snow blowers </li> <li lang="EN-US" paraeid="{16302a06-cbc1-4b52-aee3-3bd7ecf08fd7}{34}" paraid="1334537406" xml:lang="EN-US">Air compressors </li> </ul> <div> </div> <p lang="EN-US" paraeid="{16302a06-cbc1-4b52-aee3-3bd7ecf08fd7}{62}" paraid="1756417847" xml:lang="EN-US">While a Home Depot net 30 account also has a wide variety of equipment, Sunbelt Rentals boasts a more extensive catalog than Home Depot.  </p> <p lang="EN-US" paraeid="{16302a06-cbc1-4b52-aee3-3bd7ecf08fd7}{78}" paraid="1553863242" xml:lang="EN-US">Sunbelt also offers a net 30 account with a 30-day billing period and reports to two major credit bureaus, including D&B and Experian.   </p> <p lang="EN-US" paraeid="{16302a06-cbc1-4b52-aee3-3bd7ecf08fd7}{94}" paraid="811360391" xml:lang="EN-US">To qualify for a net 30 account credit term, you must have:  </p> <ul> <li lang="EN-US" paraeid="{16302a06-cbc1-4b52-aee3-3bd7ecf08fd7}{110}" paraid="1224479251" xml:lang="EN-US">Been in business for at least three years </li> <li lang="EN-US" paraeid="{16302a06-cbc1-4b52-aee3-3bd7ecf08fd7}{126}" paraid="1913200125" xml:lang="EN-US">An EIN </li> <li lang="EN-US" paraeid="{16302a06-cbc1-4b52-aee3-3bd7ecf08fd7}{146}" paraid="1601448994" xml:lang="EN-US">Business Tax Identification </li> </ul> <div> </div> <p lang="EN-US" paraeid="{16302a06-cbc1-4b52-aee3-3bd7ecf08fd7}{174}" paraid="1077223454" xml:lang="EN-US">You must also be responsible for directly managing your business. If your business credit score isn’t strong enough, Sunbelt Rentals will require a personal guarantee to obtain net 30 terms.  </p> <p lang="EN-US" paraeid="{16302a06-cbc1-4b52-aee3-3bd7ecf08fd7}{190}" paraid="737718690" xml:lang="EN-US"><strong>This net 30 vendor reports to the following credit bureaus: Dun & Bradstreet and Experian </strong></p> <p lang="EN-US" paraeid="{16302a06-cbc1-4b52-aee3-3bd7ecf08fd7}{206}" paraid="1866263591" xml:lang="EN-US"><strong>Vendor Link:</strong> <a href="https://www.sunbeltrentals.com/customerservice/creditapplication/" rel="noreferrer noopener" target="_blank">https://www.sunbeltrentals.com/customerservice/creditapplication/</a> </p> <h2 aria-level="2" lang="EN-US" paraeid="{16302a06-cbc1-4b52-aee3-3bd7ecf08fd7}{217}" paraid="31405231" role="heading" xml:lang="EN-US">6. Apple Business Financing </h2> <p lang="EN-US" paraeid="{16302a06-cbc1-4b52-aee3-3bd7ecf08fd7}{232}" paraid="81625479" xml:lang="EN-US">Finally, Apple offers leasing for Mac, iPhone, iPad, Apple Watch, and Apple TV products. This allows small business owners to buy the tech they need while also increasing cash flow and raising their business credit score.  </p> <p lang="EN-US" paraeid="{16302a06-cbc1-4b52-aee3-3bd7ecf08fd7}{248}" paraid="1332884745" xml:lang="EN-US">If you prefer Apple over other tech brands and want flexible financing, this is a vendor to consider for building business credit.   </p> <p lang="EN-US" paraeid="{84cd84b1-3818-4077-a5a5-5c1a15979a40}{9}" paraid="700499568" xml:lang="EN-US">To obtain a credit line from Apple, you must have a minimum order of $4,000, and you can choose from 12, 24, or 36-month payment terms.  </p> <p lang="EN-US" paraeid="{84cd84b1-3818-4077-a5a5-5c1a15979a40}{20}" paraid="1849517555" xml:lang="EN-US"><strong>This tradeline is reported to the following credit bureaus: Experian and Equifax </strong></p> <p lang="EN-US" paraeid="{84cd84b1-3818-4077-a5a5-5c1a15979a40}{36}" paraid="251258464" xml:lang="EN-US"><strong>Vendor Link: </strong><a href="https://www.apple.com/shop/finance/business-financing" rel="noreferrer noopener" target="_blank">https://www.apple.com/shop/finance/business-financing</a> </p> <h2 aria-level="2" lang="EN-US" paraeid="{84cd84b1-3818-4077-a5a5-5c1a15979a40}{47}" paraid="2089696415" role="heading" xml:lang="EN-US">Do You Have to Work Through the Tiers in Order? </h2> <p lang="EN-US" paraeid="{84cd84b1-3818-4077-a5a5-5c1a15979a40}{62}" paraid="502227853" xml:lang="EN-US">The short answer is yes.  </p> <p lang="EN-US" paraeid="{84cd84b1-3818-4077-a5a5-5c1a15979a40}{78}" paraid="1741718722" xml:lang="EN-US">You need to start at the lower tiers like a tier 1 or <a href="https://business.ecredable.com/resources/blog/tier-2-business-credit-vendors1" rel="noreferrer noopener" target="_blank">tier 2</a> net 30 account and gradually work your way up. Some examples of lower-tier net 30 account vendors are Credit Strong, Creative Analytics, Wise Business Plan, Office Garner, and many office supply companies.  </p> <p lang="EN-US" paraeid="{84cd84b1-3818-4077-a5a5-5c1a15979a40}{94}" paraid="380600833" xml:lang="EN-US">It’s just like when you’re trying to build personal credit.  </p> <p lang="EN-US" paraeid="{84cd84b1-3818-4077-a5a5-5c1a15979a40}{110}" paraid="266972612" xml:lang="EN-US">You can’t expect to start building personal credit by first applying for a mortgage.  </p> <p lang="EN-US" paraeid="{84cd84b1-3818-4077-a5a5-5c1a15979a40}{126}" paraid="1001203182" xml:lang="EN-US">You have to work your way up with low-limit, secured credit cards. Then you move your way up to an auto loan, then unsecured credit cards, and so on when building personal credit.  </p> <p lang="EN-US" paraeid="{84cd84b1-3818-4077-a5a5-5c1a15979a40}{142}" paraid="1101538415" xml:lang="EN-US">In other words, there’s a progression.  </p> <p lang="EN-US" paraeid="{84cd84b1-3818-4077-a5a5-5c1a15979a40}{158}" paraid="1012296217" xml:lang="EN-US">The same principle applies to qualifying for higher tier vendors like <a href="https://business.ecredable.com/resources/blog/tier-3-business-credit-vendors2" rel="noreferrer noopener" target="_blank">tier 3</a> and as we’ve covered in this post, tier 4.  </p> <p lang="EN-US" paraeid="{84cd84b1-3818-4077-a5a5-5c1a15979a40}{174}" paraid="2053354660" xml:lang="EN-US">Without starting low and establishing a strong business credit score with lower-tier vendors, you won’t be able to qualify for higher-tier vendors.  </p> <p lang="EN-US" paraeid="{84cd84b1-3818-4077-a5a5-5c1a15979a40}{190}" paraid="138395781" xml:lang="EN-US">This brings us to our final point.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{84cd84b1-3818-4077-a5a5-5c1a15979a40}{201}" paraid="771861658" role="heading" xml:lang="EN-US">Build Business Credit Quickly with eCredable </h2> <p lang="EN-US" paraeid="{84cd84b1-3818-4077-a5a5-5c1a15979a40}{216}" paraid="533644023" xml:lang="EN-US">One way to accelerate the business credit-building process is by turning each of your business bills into a trade credit.  </p> <p lang="EN-US" paraeid="{84cd84b1-3818-4077-a5a5-5c1a15979a40}{232}" paraid="1365396434" xml:lang="EN-US">With eCredable, you can report business utilities like electricity, gas, water, and more to business credit bureaus to quickly improve your business credit history.  </p> <p lang="EN-US" paraeid="{84cd84b1-3818-4077-a5a5-5c1a15979a40}{248}" paraid="247826935" xml:lang="EN-US">Rather than going through the lengthy process of moving up the vendor tier, you can use your positive payment history to rapidly increase your business credit score.  </p> <p lang="EN-US" paraeid="{9b1fe2ab-594a-4ed1-95e0-9a0b710c80e8}{9}" paraid="1653969723" xml:lang="EN-US">In fact, the average small business owner can raise their business credit score by as much as 40% within three months after signing up for eCredable. You can <a href="https://business.ecredable.com/" rel="noreferrer noopener" target="_blank">learn more here</a>. </p> <h2 aria-level="2" lang="EN-US" paraeid="{9b1fe2ab-594a-4ed1-95e0-9a0b710c80e8}{20}" paraid="571514124" role="heading" xml:lang="EN-US">Closing Thoughts </h2> <p lang="EN-US" paraeid="{9b1fe2ab-594a-4ed1-95e0-9a0b710c80e8}{35}" paraid="302743743" xml:lang="EN-US">Tier 4 business credit vendors have significantly steeper eligibility requirements than tier 1 or tier 2 vendors like Home Depot. Therefore, you need to have a strong business credit report and solid credentials to qualify.  </p> <p lang="EN-US" paraeid="{9b1fe2ab-594a-4ed1-95e0-9a0b710c80e8}{51}" paraid="1364011267" xml:lang="EN-US">But if you have that, you can gain access to considerable business financing with tier 4 vendors and continue to build business credit by reporting a positive payment history to at least one business credit bureau.  </p> <p lang="EN-US" paraeid="{9b1fe2ab-594a-4ed1-95e0-9a0b710c80e8}{67}" paraid="74581868" xml:lang="EN-US">It’s all part of the progression of business financing and long-term growth.  </p> <p lang="EN-US" paraeid="{9b1fe2ab-594a-4ed1-95e0-9a0b710c80e8}{78}" paraid="1780403480" xml:lang="EN-US"> </p> <grammarly-desktop-integration data-grammarly-shadow-root="true"></grammarly-desktop-integration></body> </html> 766Wise Business Plan Net 30 Reviewhttps://business.ecredable.com/resources/blog/postid/765/wise-business-plan-net-30Business Credit,Business Credit Vendors,Business TradelinesWed, 31 Jan 2024 19:19:22 GMT<html> <head> <title></title> </head> <body data-gr-ext-installed="" data-new-gr-c-s-check-loaded="14.1155.0"> <h1 lang="EN-US" paraeid="{d3717b27-69cc-4fa9-9125-2e7b58587c6a}{136}" paraid="1379997723" xml:lang="EN-US">Wise Business Plan Net 30 Review </h1> <p lang="EN-US" paraeid="{d3717b27-69cc-4fa9-9125-2e7b58587c6a}{172}" paraid="648987907" xml:lang="EN-US">Want to have a professional business plan written by an expert while simultaneously building business credit? </p> <p lang="EN-US" paraeid="{d3717b27-69cc-4fa9-9125-2e7b58587c6a}{186}" paraid="1235359177" xml:lang="EN-US">Then you’ll likely be interested in Wise Business Plan. They offer a net 30 account that’s perfect for raising a small business credit score.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{d3717b27-69cc-4fa9-9125-2e7b58587c6a}{195}" paraid="451104165" role="heading" xml:lang="EN-US">Our Wise Business Plan Net 30 Review </h2> <p lang="EN-US" paraeid="{d3717b27-69cc-4fa9-9125-2e7b58587c6a}{204}" paraid="306044398" xml:lang="EN-US">The biggest selling points of this vendor are that they report to three business credit bureaus and boast an impressive list of services.  </p> <p lang="EN-US" paraeid="{d3717b27-69cc-4fa9-9125-2e7b58587c6a}{218}" paraid="1564435268" xml:lang="EN-US">In terms of a downside, they do have a $99 annual account fee. </p> <h2 aria-level="2" lang="EN-US" paraeid="{d3717b27-69cc-4fa9-9125-2e7b58587c6a}{227}" paraid="941612682" role="heading" xml:lang="EN-US">What We Like About This Net 30 Account: </h2> <p lang="EN-US" paraeid="{d3717b27-69cc-4fa9-9125-2e7b58587c6a}{236}" paraid="1208624740" xml:lang="EN-US">      - <a href="https://docs.google.com/document/d/1Tr2TTWtoCXT2OVVvGIUo6Ok0ff6cqIPPKAnV_zgDvgo/edit#heading=h.ata6klwxqosq" rel="noreferrer noopener" target="_blank">Wise Business Plan Reports to Experian, Equifax, and Creditsafe</a> </p> <p lang="EN-US" paraeid="{9c21a3ee-c517-4f0f-9f79-28e8d9e22434}{2}" paraid="1651625880" xml:lang="EN-US">      - <a href="https://docs.google.com/document/d/1Tr2TTWtoCXT2OVVvGIUo6Ok0ff6cqIPPKAnV_zgDvgo/edit#heading=h.jqejjfrw4z61" rel="noreferrer noopener" target="_blank">Offer a Wide Range of Business Planning and Other Services</a> </p> <p lang="EN-US" paraeid="{9c21a3ee-c517-4f0f-9f79-28e8d9e22434}{20}" paraid="658472302" xml:lang="EN-US">      - <a href="https://docs.google.com/document/d/1Tr2TTWtoCXT2OVVvGIUo6Ok0ff6cqIPPKAnV_zgDvgo/edit#heading=h.debcu1agerev" rel="noreferrer noopener" target="_blank">Extensive Credentials</a> </p> <h2 aria-level="2" lang="EN-US" paraeid="{9c21a3ee-c517-4f0f-9f79-28e8d9e22434}{38}" paraid="1561857129" role="heading" xml:lang="EN-US"><a id="Wise Business Plan Reports to Experian Business, Equifax Business, and Creditsafe " name="Wise Business Plan Reports to Experian Business, Equifax Business, and Creditsafe ">Wise Business Plan Reports to Experian Business, Equifax Business, and Creditsafe </a></h2> <p lang="EN-US" paraeid="{9c21a3ee-c517-4f0f-9f79-28e8d9e22434}{50}" paraid="1349125998" xml:lang="EN-US">The first thing most business owners are interested in with a net 30 terms vendor is the business credit bureau or bureaus they report to. For this vendor, it’s Experian Business, Equifax Business, and Creditsafe.  </p> <p lang="EN-US" paraeid="{9c21a3ee-c517-4f0f-9f79-28e8d9e22434}{64}" paraid="1843181191" xml:lang="EN-US">While also reporting to Dun & Bradstreet would be ideal, Experian Business and Equifax Business are two of “the big three” credit bureaus, and Creditsafe is also respectable.  </p> <p lang="EN-US" paraeid="{9c21a3ee-c517-4f0f-9f79-28e8d9e22434}{78}" paraid="784015250" xml:lang="EN-US">So, this is comprehensive reporting that should be more than sufficient for helping you build business credit while at the same time boosting cash flow.  </p> <p lang="EN-US" paraeid="{9c21a3ee-c517-4f0f-9f79-28e8d9e22434}{92}" paraid="238854385" xml:lang="EN-US">Whether you’re an established business or a new one just starting out, this vendor helps you kill two birds with one stone because you can 1) get assistance from a professional business plan writer and 2) have your payments reported to multiple business credit bureaus.   </p> <p lang="EN-US" paraeid="{9c21a3ee-c517-4f0f-9f79-28e8d9e22434}{101}" paraid="1086151296" xml:lang="EN-US">As you raise your credit score, this should open the door for other financing opportunities like a business credit card with a favorable payment term or a low-interest business loan.  </p> <p lang="EN-US" paraeid="{9c21a3ee-c517-4f0f-9f79-28e8d9e22434}{115}" paraid="1422984851" xml:lang="EN-US">In particular, if your goal is to unlock an attractive business credit card, reporting a positive payment history to credit bureaus like these can be extremely helpful in doing so.  </p> <p lang="EN-US" paraeid="{9c21a3ee-c517-4f0f-9f79-28e8d9e22434}{124}" paraid="638370745" xml:lang="EN-US">Just note that there is a $99 annual fee to be eligible for net 30 terms.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{9c21a3ee-c517-4f0f-9f79-28e8d9e22434}{138}" paraid="1452494012" role="heading" xml:lang="EN-US"><a id="Offer a Wide Range of Business Planning and Other Services " name="Offer a Wide Range of Business Planning and Other Services ">Offer a Wide Range of Business Planning and Other Services </a></h2> <p lang="EN-US" paraeid="{9c21a3ee-c517-4f0f-9f79-28e8d9e22434}{147}" paraid="631570741" xml:lang="EN-US">Business plan writing services are the focal point of this vendor, and they have experience writing business plans in over 400 different industries.  </p> <p lang="EN-US" paraeid="{9c21a3ee-c517-4f0f-9f79-28e8d9e22434}{161}" paraid="683669262" xml:lang="EN-US">Just a few examples include: </p> <ul role="list"> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="4" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{9c21a3ee-c517-4f0f-9f79-28e8d9e22434}{175}" paraid="445808027" xml:lang="EN-US">Strategic business plan services </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="5" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{9c21a3ee-c517-4f0f-9f79-28e8d9e22434}{189}" paraid="2131691337" xml:lang="EN-US">Franchise business plan services </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="6" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{9c21a3ee-c517-4f0f-9f79-28e8d9e22434}{207}" paraid="1233224115" xml:lang="EN-US">Bank business plans </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="7" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{9c21a3ee-c517-4f0f-9f79-28e8d9e22434}{225}" paraid="805773441" xml:lang="EN-US">Investor business plan services </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="8" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{9c21a3ee-c517-4f0f-9f79-28e8d9e22434}{243}" paraid="381899125" xml:lang="EN-US">Corporate business plan services </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="9" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{15f3573d-1712-446d-9572-d02f4a548227}{6}" paraid="1032521330" xml:lang="EN-US">Merger and acquisition business plans </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="10" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{15f3573d-1712-446d-9572-d02f4a548227}{24}" paraid="1615289758" xml:lang="EN-US">Custom business plan services </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="11" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{15f3573d-1712-446d-9572-d02f4a548227}{42}" paraid="133352193" xml:lang="EN-US">Nonprofit business plan services </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="12" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{15f3573d-1712-446d-9572-d02f4a548227}{60}" paraid="376961066" xml:lang="EN-US">Business plan template services </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="13" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{15f3573d-1712-446d-9572-d02f4a548227}{78}" paraid="1089220102" xml:lang="EN-US">Small business loan review services </p> </li> </ul> <p lang="EN-US" paraeid="{15f3573d-1712-446d-9572-d02f4a548227}{104}" paraid="1462531316" xml:lang="EN-US">But that’s just the tip of the iceberg, and a net 30 account from this vendor also covers numerous other services, including:  </p> <ul role="list"> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="14" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{15f3573d-1712-446d-9572-d02f4a548227}{118}" paraid="1162553309" xml:lang="EN-US">Business plan printing </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="15" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{15f3573d-1712-446d-9572-d02f4a548227}{132}" paraid="418978114" xml:lang="EN-US">Market research </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="16" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{15f3573d-1712-446d-9572-d02f4a548227}{150}" paraid="854275960" xml:lang="EN-US">PowerPoint presentations </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="17" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{15f3573d-1712-446d-9572-d02f4a548227}{168}" paraid="1932684781" xml:lang="EN-US">Business website building </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="18" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{15f3573d-1712-446d-9572-d02f4a548227}{186}" paraid="957564698" xml:lang="EN-US">Business branding </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="19" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{15f3573d-1712-446d-9572-d02f4a548227}{204}" paraid="356700861" xml:lang="EN-US">Business formation services </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="20" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{15f3573d-1712-446d-9572-d02f4a548227}{222}" paraid="846118746" xml:lang="EN-US">Assistance with business grants </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="21" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{15f3573d-1712-446d-9572-d02f4a548227}{240}" paraid="1713210374" xml:lang="EN-US">Digital marketing </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="22" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{e2055749-1ffb-4609-bfed-2f1480bf93e3}{3}" paraid="289365269" xml:lang="EN-US">Small business loans </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="23" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{e2055749-1ffb-4609-bfed-2f1480bf93e3}{21}" paraid="1298356778" xml:lang="EN-US">Feasibility study services </p> </li> </ul> <p lang="EN-US" paraeid="{e2055749-1ffb-4609-bfed-2f1480bf93e3}{39}" paraid="2114447646" xml:lang="EN-US">This means their reach extends far beyond basic business planning, and you can get net 30 terms for a wide range of other services.  </p> <p lang="EN-US" paraeid="{e2055749-1ffb-4609-bfed-2f1480bf93e3}{56}" paraid="290080948" xml:lang="EN-US">In turn, you get a flexible repayment option and increased cash flow while also having access to critical services for establishing and/or growing your business.  </p> <p lang="EN-US" paraeid="{e2055749-1ffb-4609-bfed-2f1480bf93e3}{70}" paraid="620121161" xml:lang="EN-US">You can find <a href="https://wisebusinessplans.com/shop/" rel="noreferrer noopener" target="_blank">business plan pricing information here</a>.  </p> <p lang="EN-US" paraeid="{e2055749-1ffb-4609-bfed-2f1480bf93e3}{84}" paraid="1057459420" xml:lang="EN-US">And if you’re interested in other <a href="https://business.ecredable.com/resources/blog/net-30-accounts" rel="noreferrer noopener" target="_blank">net 30 accounts</a> from vendors in different industries to raise your credit score, those are available as well.  </p> <p lang="EN-US" paraeid="{e2055749-1ffb-4609-bfed-2f1480bf93e3}{98}" paraid="936195984" xml:lang="EN-US">Here are some we recommend: </p> <ul role="list"> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="24" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{e2055749-1ffb-4609-bfed-2f1480bf93e3}{117}" paraid="198918566" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/crown-office-supplies-net-30" rel="noreferrer noopener" target="_blank">Crown Office Supplies Net 30</a> </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="25" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{e2055749-1ffb-4609-bfed-2f1480bf93e3}{131}" paraid="1679075268" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/uline-net-30" rel="noreferrer noopener" target="_blank">Uline Net 30</a> </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="26" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{e2055749-1ffb-4609-bfed-2f1480bf93e3}{149}" paraid="962546228" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/grainger-net-30" rel="noreferrer noopener" target="_blank">Grainger Net 30</a> </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="27" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{e2055749-1ffb-4609-bfed-2f1480bf93e3}{167}" paraid="1011188483" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/quill-net-30" rel="noreferrer noopener" target="_blank">Quill Net 30</a> </p> </li> </ul> <h2 aria-level="2" lang="EN-US" paraeid="{e2055749-1ffb-4609-bfed-2f1480bf93e3}{185}" paraid="236163195" role="heading" xml:lang="EN-US"><a id="Extensive Credentials " name="Extensive Credentials ">Extensive Credentials </a></h2> <p lang="EN-US" paraeid="{e2055749-1ffb-4609-bfed-2f1480bf93e3}{197}" paraid="1891679518" xml:lang="EN-US">Again, this vendor has experience with business planning in over 400 industries.  </p> <p lang="EN-US" paraeid="{e2055749-1ffb-4609-bfed-2f1480bf93e3}{211}" paraid="825095331" xml:lang="EN-US">On top of that, they’ve been around since 2010, have written over 15,000 business plans, have done over 100,000 business consultations, and have helped businesses raise over $1 billion in funding.  </p> <p lang="EN-US" paraeid="{e2055749-1ffb-4609-bfed-2f1480bf93e3}{225}" paraid="1761127294" xml:lang="EN-US">They also have some impressive business partners, including The UPS Store, Norton, The Small Business Administration, and Nav.  </p> <p lang="EN-US" paraeid="{e2055749-1ffb-4609-bfed-2f1480bf93e3}{234}" paraid="778635400" xml:lang="EN-US">And according to the vendor, they have an average 5-star rating on Google, Facebook, and The Better Business Bureau, and an average 4.8-star rating on Trustpilot.  </p> <p lang="EN-US" paraeid="{e2055749-1ffb-4609-bfed-2f1480bf93e3}{248}" paraid="1461560871" xml:lang="EN-US">Here’s a real-life review from one of their recent clients.  </p> <p lang="EN-US" paraeid="{80c39b0e-a7bb-4206-adf0-cf824905644c}{12}" paraid="926509154" xml:lang="EN-US"><img src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAABioAAANOCAYAAACP+1TJAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAAAJcEhZcwAADsMAAA7DAcdvqGQAAP+lSURBVHhe7N0FnFTV+8fxs7t0l4SEoiAqFiiKYHf97K6f9be7A7F/dmF3d6DYioqgoiImFqCAINLdsMt/vmfOZe/cvXdid3ZnZ/m8fY3cMzs7O3Nr7pznnOcpWBljAAAAAAAAAAAAcqDQ/QsAAAAAAAAAAFDlCFQAAAAAAAAAAICcIVABAAAAAAAAAAByhkAFAAAAAAAAAADIGQIVAAAAAAAAAAAgZwhUAAAAAAAAAACAnCFQAQAAAAAAAAAAcoZABQAAAAAAAAAAyBkCFQAAAAAAAAAAIGcIVAAAAAAAAAAAgJwhUAEAAAAAAAAAAHKGQAUAAAAAAAAAAMgZAhUAAAAAAAAAACBnCFQAAAAAAAAAAICcIVABAAAAAAAAAAByhkAFAAAAAAAAAADIGQIVAAAAAAAAAAAgZwhUAAAAAAAAAACAnCFQAQAAAAAAAAAAcoZABQAAAAAAAAAAyBkCFQAAAAAAAAAAIGcIVAAAAAAAAAAAgJwhUAEAAAAAAAAAAHKGQAUAAAAAAAAAAMgZAhUAAAAAAAAAACBnCFQAAAAAAAAAAICcIVABAAAAAAAAAAByhkAFAAAAAAAAAADIGQIVAAAAAAAAAAAgZwhUAAAAAAAAAACAnCFQAQAAAAAAAAAAcqZgZYxbRlUoWWlWlpTYf01s1es/T0FBgf5nTGGBKSgsjC8DAAAAAAAAAFCDEaioJCuXLjcly5ablbotX2FWrii2NwUn0lVQVGhMrSJTUKuWKahdyxTWif1bp7ZdBgAAAAAAAACgJiBQkSUlS5aZksVLzcolS03J0uUZBSQypQBGQb26prBeHVNYvy6BCwAAAAAAAABA3iJQUQEKTJQsXGxKFi0xK4tL3L1VT7MsChvUM0UN68eWCVoAAAAAAAAAAPIHgYoMrVyxwhTPX2xKFiyKp3KqZuwsi0YNTFHjBu4eAAAAAAAAAACqLwIVaVJqp+L5C03JgsXunupN6aEKGzc0RU0axmtdAAAAAAAAAABQDRGoSMEGKOYusOmd8lKBMUVNGpmiZo1MQSEBCwAAAAAAAABA9UKgIoLSOhXPnm+KFyxy9+S5wgJTq1ljU9S0kbsDAAAAAAAAAIDcI1ARonjOArNi9jzXqllUeLtW88a2+DYAAAAAAAAAALlGoMKnZOkyUzxznv23pitq3NDUatkktgcUuHsAAAAAAAAAAKh6BCoc1aFYMatmzqKIUlC7lqnVsqkprF/X3QMAAAAAAAAAQNUiUFFSYpbPmGtKFi52d6x+arVoQu0KAAAAAAAAAEBOrNaBipVLl5vl02eblctXuHtWX0WNGphaazRzLQAAAAAAAAAAqsZqG6goWbTELJ822xgyX61SWK+OqdW6hSkoKnT3VA8TJ040Rx99tGuVuvrqq82OO+7oWiivAw880MycOdO14rp06WIefvhhU1RU5O4JF/a7jz32mP19VD+ffvqpPW6C+vXrZ3bddVfXinbdddeZwYMHu1Zc3bp1zcCBA03Dhg3dPQAAAAAAAEBmVstARfH8RWbFjDmuBT/VrajdpoX9t7r4888/zQ477OBape6//37zn//8x7VQXhtssIFZsGCBa5W6+eabzZFHHula4cJ+96WXXjJ9+vRxLVQnkyZNMltvvbVrldp3333Nfffd51rhli9fbjbZZJMy27tr167mk08+ca3q5bXXXjOzZ892rdj5raDAHHvssaZ27druHgAAAAAAAFQH1WvofBUonreQIEUSSoO1fMpMs3LZcncPVlcaPT99+nTXQk3QoUMHs+mmm7pWqUGDBpklS5a4VrivvvoqNKClWTXV1fXXX2+uueaaVTfNJpk2bZr7KQAAAAAAAKqL1SpQYYMUM+e6FqKsXFFslk+dZVYuo3bH6kyd0tdee61roabQ7Ikww4cPd0vh3n//fbeUaI899nBLAAAAAAAAQPmsNoGK4gWLCVJkwAYrps2y/2L19cYbb5hhw4a5FmqC3XbbzS0l+uCDD9xSWStWrDCvv/66a5VS2ifqkQAAAAAAAKCiVotARcnipWbF9NI85UiP0kCtoOD4au/SSy81ixcvdi3ku7XXXtvWFgl68803bUAizPfffx+a9umAAw5wSwAAAAAAAED51fhi2rbmwuQZZmVJibsHmSpsWN/Ubt3ctapeZRbTXrZsme2E/e2338xPP/1kJkyYYAvtKpf/rrvuanbeeWdTq1Z4YXGNQF+6dKlrGVOvXj07Wl1Fh/Wc33zzjb0p97+eb5111rGvd6211nK/UT1EFdP2O++888z555/vWqUyLaZdnvWtzvN3333XtUqtueaaZosttnCtuOLiYvPee++ZksDxrufv2bOna5UaPXq0+e6778zIkSPNX3/9ZTp27Gg233xz+7x6b1OmTLHb0G+rrbYybdq0ca1Ec+fOtc83atQoe1ONjyZNmthtrloOYfUhROswWJDae83z5s2zr2HEiBHm559/tu9t3XXXtbMZDj74YNOoUSP3G+m79957bbH0IBWf3nLLLV2r1A033GAefPBB1yr16aeflplRoYLdP/zwg/nll1/s61WQq1WrVqZbt27m8MMPt9stzPjx4+0+4af1pXU3efJk8/XXX9vbmDFjTNOmTU3nzp3tz/fZZx9TWFgac//yyy/NjBkz7PIZZ5xh//VT7ZUWLVrYZb32DTfcsMyxLHvttVfosa/zkd6bn4qMKwAkUecF0f724osvmt9//90+5pxzzjHbbbed/ZmnvOvPb+rUqbbuyN9//23++ecfM2fOHFtIXPu3fn+bbbYxvXv3TlhvAAAAAAAAuVTjAxUKUpQsXeZaKK+iZo1NreaNXatqVVagQp3l6ijUv1E6depkLrjggtCCwT169FjVISrqTPziiy/MSSedlDRdkgr6nnjiia6Ve+kEKiSsUzqTQEV517cCFQcddJANAAQNHTrUdlh7Hn30UVs0Oei5555L6BBWQOP2228399xzj7unrJtuusnMmjXL3HLLLe6euOBzeRQgUTAn2bpUEKBfv3523/EbN25cmec85JBDzNlnn20OPfRQ8++//7p7E7Vr186+j2233dbdkx519u+0006uVerkk082V155pWvF6SNCwZnga1CgxB9c0Xa67777zG233ebuCadtedlll5UJ9rz88st22/vdeeedplmzZub4449395TVq1cv+zgvAHjsscfafTUdWr8XXXRRmWNZVDy8ffv2rlXqkksuMc8//7xrxd1xxx12e0nYeeHbb7+1wZ5HHnnE3RunbaftKxVdf6J9r3///uaVV15x90TTsabg08Ybb+zuAQAAAAAAyJ0aPZxyxYw5BCmypHjOfFOysOak/1GHoUY5J+s0F41IVuf6M8884+6Jps7Jo48+OmVNBwUq8rHugzpoyxvXrMj61qj2u+++27USqWPbS1ekgFZYkOKEE05ICAJohos65JMFKUQpr9LZ7hrxfu6559rnTBXw0cwIFbPWiPlU9BilVooKUoh+duSRR9qASiYUZNAMn6C33nqrzDbWzJCw1+BP+zRx4kSz//77p+xkF83aUOd8Oq/5hRdeSBqkEM000Yyf6kz7ZTBI4ZeN9afgmwIv6QQpRMeaZo1ohhMAAAAAAECu1dhARfH8RfaG7FEx8pXF+V9cW6Pwr732WtdKz+WXX27efvtt14qmTtN0KO1OdZ7MdOaZZ7qlUupkf/XVV10rfdlY30qrE5aqSOv7iSeesJ20GhkfpM54BRz8NCPiww8/dK3kkgUJPAp4qPM4E0cccYQNrCSjWQ/BUf5RHnroIbeUPnWMB+n9BtMaffTRR24p0e67727/VSoqBZd+/PFH206H0mwpqKegUTLBtFtRtB94syjq1q1r/60utA21j0bJ1vpTjZGwbaXUYFtvvbWd2RGmIgFIAAAAAACAbKmRgYqVK4rNillzXQvZsrK4xAYr8plGv1944YWuVUp57gcOHGhz4Otf1UoIUme7N3o/GaVU0WOffvppm+4lrIaAOiWnTZvmWtVP3759bT78IKWVmTlzpmulls31rc79qMcpSBEWJFIqnfr167tWPDVO2Kh1baMBAwaYIUOG2ECGZimkQ7UGwmZmqONZtQqGDx9uHn/88TKzF/Q69NrSoW2h16z96ayzznL3Jnr//ffdUvpUEyTM4MGD3VKcOsCD9H7WW289u6yaC8F1r/Wp16z1qUDV//73vzLHgeovaAZHOrQ9lOpNqb2074Tx0lBp9o0CHLqFHXt6P97PTz31VHdv1fK/rmytv7CZEccdd5ydxaS0Wvp5WLBVP9fsCgAAAAAAgFyqkYGKFbPmGVPCCNHKULJwSV7PVFFHZ3CUvDpBH3jgAVtA2SvQ/Nhjj9nc9376vajR5R7VDFBHqNLV7LjjjjZfvjq+w6hQc3WmPPjBzlF1sCv4kq5srm8VA1a9iLDO57B0N1dccYXZaKONXCtOQZGw9EwKKiiVkYpUK02UZm+cfvrp7qfRlMYrSAEPBWdUpNkrEq6O4uDr1mtW0eNklC7r2WefNYcddpjdny6++GL7voI0wj7TUfHdu3e3+2uQijB7xo4da587yKshMn/+fFucOkgd4nrNWp+qIXLMMceEzvrQfpDqdev9anuoHo1mcShgERawUvokadCggX1fuqmQdZBqO3g/b9y4auvuKPigehUKDqiQvPaNbK2/YCFy8Qp8e1R8XMGLIBV9BwAAAAAAyKUaF6goWbC4RtVSqI6KZysQVOJa+UXFroPCUgYVFRWFjl5PlfpIHYrBFCs9e/a0NQGCgh34ycybN8+88847KW8aWZ+tNC4tWrQI7URVB7sKDacj2+u7devWtnByKipa/X//93+uVSqsRsZpp51mZ8EEKd9/MsuWLSvz/jTTwF+7waPO8f/+97+uVSpVOjGN+FeNDr+DDz7YLSXKZKaLKPATViReKadU3FuiUmTtscce9l+tz2DgRzVB1MEepACQOsr99LdUAyMZBfv89LrDZvtU91kB7777rg0+eEWwCwsL7fvP1voLS3mlQJoKvGtWhvd3dEwrqOO/KVgIAAAAAACQSzUuULFi9ny3hMpiU0Dl6XoOywOvEdunnHJKmVtY8VuNME+md+/ebimRRkUHaTR6uiZPnmw7rVPd1DmvoEa2HHTQQTa/fZDy2qujPpXKWN/qJD/kkENcqyzNXFD6HwU/gv744w+3VGr77bd3S4kaNmwYmWZIwmYa6L6w96ZbWJqj8ePHu6VwPXr0cEulomoNhM0UScULOAR56Z/CAikKxnTr1s0uh63P9957L/T96xZWl0MzC6Io7ZVmSARppkrQ7Nmz3VL1o3ogG2+8sWuVyub669Onj/03SIHFo446ymywwQa2eLYKeysAtXDhQvcIAAAAAACA3KtRgYriOfPNyjRqCKDiiuctNCuXLXet/KBUS2GduRrpHHYbNmyYe0QpdUSrcHOUZs2auaVEmp2QjzR6Xfnxg7QeHnzwQdcKV5nrW52tYSmgRCmrwjqyJSy4kGzbKDVVFI1mDxP23nQLG/GfrJNe7y84m8ITlrKpPDbZZJPQwIcCFBpprzoIQf4ZI2EzVDRTKOz96xa2P0yaNMktldWyZUu3lCjqOKuuogJe2Vx/J554YpkZF0HankrHpseuv/76dnZFeQJcAAAAAAAA2VZjAhUrS0rMijl0uFSlfFvf2crDnmzkdtjob1Gal3zVpUsXc95557lWqVtvvTVpJ2dlrm8VIo/622Hppjxh2ydZ4Gn58uhgXDaKoSfrpK+K+gnaL8NSVX333XfmySefdK1E/lkYqWpspCPZc1R1DYl0lJQj7V1UYCmb60/rSrMnwmrLRHn44Ydt+q90ZkcBAAAAAABUpoKV2Upon2MrZs8zxQQqqlztNVuZwrp1XKtyKN3JDjvs4FqlVFRXBXbTpY7lzTff3LVKKS1KujT6Xp32tWvXtml5ZsyY4X4Sp9oN7du3d61SSpX0/PPPu1bcHXfckTSFkd/vv/9uC++mQznrmzZt6lqpKSVMsNP/hRdeMNtss41rGbN48WKzyy67pFUH4MUXX7Qpe7K9vj0rVqywKanUmR5FdSzCajmo3sGnn37qWnEqSBw14l2Fv4MzPVQcXfUCVBNE6baCMnl/GgF/xBFH2JoQek4/dW5/8803rpVINTiCNU70OoPFk9MxYsSI0FoVYZT26bPPPnMtY6688soyAQ3V+9h2221dKzX9bb0fFRy/4IIL3L1xWpc33XSTa5VSgCeYkkwzQ77//nvXikv3GA17XNT6VA2JYFF9/7Ec9lzDhw8PneWTzfXnp+DbL7/8Yt+D/rZ/m4XRrCnV1wEAAAAAAMiVmhGoKFlplv49xZiaEXPJK4UN65varZu7VuXIVqBCI6HXWmst1yqlOghhhWhTqcpAhQ5TddCnw9+pn450AhWiTk913KfiBSqyvb499913X2jndVBY53BYx/COO+5onn76adcqpdepnwV5gYqffvrJ7L333u7eOHWeq8M9U7kMVGi/Uv2EdFIAKZBw7rnnupaxdUWuvfZa14q78MILzTnnnONa6atugQrVFNlss81cq9Ruu+1WJmVTqkBF1Hkhm+svGW3jkSNH2hkXL730kru31KGHHmpuv/121wIAAAAAAKh6NSL1U/H8hQQpcqRk4WKzcnl+1AVRmpuePXu6VqkhQ4a4pUQKDtx4443moosuWnVTR18uqFaEAhDp3CqLRnmrKHC6KmN9//rrr2kFKeT8888vk9ZJNRmCNMNCwRU/dTQHO82DwoICCo4EAwiemTNn2oCV//19++237qe5ozoYYbNPwuy+++5uKU51DoI00yQqqKb363//Wh9aL1UpLM1RWBAhGPQQBU3D6kqUV7bWn4rtK3ilIIl3u/zyy91vxbfxVlttZW677TZzww03uHtLZStNGwAAAAAAQHnVkEDFIreEXMjV+lfKHhWFTefmjVrWcpBG2WtEu586ClWDQbM21Int3cqTn74m6d+/f9r57yWb61sdzGeeeaZrlVI6onvvvde1Silo8Nhjj7lW3L777htaPFqdvkrpc88999j3qDRbyVJLSZMmTULT5ahGwLx581wrbu7cuXaUvGbV+N9f8+aVOxspXcEARBitZ82+8evTp49NVeSnjvwBAwaU6WwfPXq0Of300xPev4JEmaQpy4ahQ4e6pVIdO3Z0S6V0fvHXEJkzZ4654oorXCs7srX+VJ9CATIF2LzbwIEDQ+uohBUiD25XAAAAAACAqpb3gYqSRUvyZkR/TZWrQMXPP/9sPvzww7RuXgqdvfbaq0xHtTr4lHZHKW3uuusu2xmoVDjqtPbT74UVHl6drLHGGqZfv36ulVo217ceO2bMGNcqpXoU++23X+hsj+uuuy5hBLxSTmmmRRjVHbjlllvME088USZ1T5Tjjz/eLZX6+OOPzfbbb287tZUS6PDDDzcbbbRRmToBSlu27rrrulZu9e7dO2UAKmz9FhUVhQaPtE207TV6X7NklC5p5513LjPb5KyzzrKj/SuLgklB2n/VMa+bgmPSuXNn+6+fXqsCVscdd5y9KdVUskLt5ZGt9adAheqd+CmVl44fHVeaHaJUZUo1pVkYQWEzjQAAAAAAAKpS3gcqihcsdkvImZISU5In20Gdek899ZRrJXrttddsnnblpg/L13/zzTebOnUqt3B4PlDHe1hKpzDZWt+a3RAMZMhpp5226rVcc801oZ3tmsmwdOlS1zK2ePVJJ53kWtH0XKkKmHft2tV2JAcp0KG6F+pwDuvc1nNffPHFrpV72k6abZLMHnvs4ZYSqb5BWDFuBYgefPBBO0smLF1Sr1690q7RUl4bbrihW0qk/c2/z0XVXtFjFHjSLWwfzYZsrb+wAISK3yv4pm2reiqaWRZ8HwoIKlAFAAAAAACQS/kdqFAH+UICFdVBcR5tB40eVu2DTFIYKRWLRjUjPgo83ToRUtH1vWjRIjtyPEgpc8477zzXMqZFixahBYHVyauZDR51yl911VW2KHfUa1IAYtCgQTbXfypHH320TWeVLv1NpeUpT+HryhQViBCt66j0QNoftN41AyBdGv2vAFa9evXcPZXjlFNOcUvJqej6//3f/7lWNK2DbAeYsrX+VEPm9ddfLzODKRntizo2W7Zs6e4BAAAAAADIjbwOVBQvWuKWkGtKwWVKKqegeTY6Mxs0aOCW4jSCWDUMNNo+GY1Efu+990JTPgWfM1NKQ1QdKG1MUKp1rg5bpWxKV0XW96OPPmpHhgfdfffdpn79+q4Vp85epVQK0qj0sWPHulac/paKc3u1LBRsePLJJ22anE8++cQGK8Jy/CsgEnTyySfbIuGpio1rnelxwSLK2dgXKvocqpcQ5aCDDnJL4RT8eeihh8wLL7yQdLZNu3btbDojdY4H97uKHudhx+Nmm21mO+9VaDoVbX8Vm46i2TV63WEBJv+6L895IRvrTzTLQinMNENDj42iAIWOxcGDB5suXbq4ewEAAAAAAHKnYGWMW847y6fNZkZFNVJ7jeamsFFix3E+UJHmiRMnmvHjx5vJkyfbYrPt27e3o8gzGZ2M9ORyfauotdL4+OlvqmZGGHX4jhgxwrXi/vjjj6Sd0Uqto8CK3t/MmTNNmzZtzJprrmk7uDOZVZLPlPrKWwdLliyx71/bWLUg1CmfC9rvVONBr0dBEW0L1bCoXbu2e0Tc4sWLzYQJE+xt+vTpplu3braGSjYCpunK1vpTUXcF6P78809bmL5169Z2f1RwgjR2AAAAAACgOsnrQMXSCf9W2ij+TEyZPs1MChQ5lbZrrGE6tFvTtWq+okYNTK01mrkWUP2MGjXK7Lnnnq5VSqmYtthiC9eKGzZsWJnaBRql7hVmBwAAAAAAAJAdeRuoKFmyzCz/d4Zr5dZVd95qnhv4qmuV2nPHnc091/zPtWq+glpFpk7HNq4FVD863W211VZ2ZL2fAhBnnHGG2Xzzze0I+6FDh9rCw0HXXXedOe6441wLAAAAAAAAQDbkbY2KlUuWuqXcW1lS4pYSFRcXu6XVw8oVxWbl8hWuBVQ/BQUF5swzz3StUgpc9OvXz8622GWXXUKDFMr/f8wxx7gWAAAAAAAAgGzJ20BFydLlbgnVScnSZW4JqJ6OPfZYc/XVV7tWevr27WsGDBhgioqK3D0AAAAAAAAAsiV/Z1TQIV4trSSAhDxw4oknmldeecXstdde7p5wXbt2NY8//rh58cUXTYcOHdy9AAAAAAAAALIpL2tUrCwuNsv+nupaudf/9pvN82++7lqldttuB3P/9Te71uqhsF4dU7tdK9cCqr+ZM2eaCRMmmMmTJ5v58+fbehUdO3a0gYm6deu6RwEAAAAAAACoLHk5o2LlMuogVFfUqEC+admypenZs6fZZ599zBFHHGF22GEHs+666xKkAAAAAAAAAKpIfgYqVqxeRarzycriEmMiiosDAAAAAAAAABCUp4EKRu1XZwSSAAAAAAAAAADpys9i2isYsV+dEagAAAAAAAAAAKQrP2dUFNMRXp2tJPUTAAAAAAAAACBN+TmjomSlW0C1pDoVAAAAAAAAAACkIT9nVKwkUFGtsX0AAAAAAAAAAGnKzxkVdIRXa2weAAAAAAAAAEC68jNQgWqOSAUAAAAAAAAAID0EKqqpJ199yXTZbqu0b7+O+cP9ZnVQ4P4FAAAAAAAAACC5/AxUFNT8jvCVJZkVpF64aJFbyr2C1WD7AAAAAAAAAACyIy8DFQWFdIRXa2wfAAAAAAAAAECa8nNGRSEZq6qzArYPAAAAAAAAACBN+TmjoqjILdVcLZo1c0t5qIhABQAAAAAAAAAgPQUrY9xy3iieM9+smD3ftXKv/+03m+fffN21Su223Q7m/utvdq3MLVu+zC2lVquolimsJjMZ6nRobQpq13ItAAAAAAAAAACi5eeMilqrRyd4ndp10r5VlyCFFNSq+TNeAAAAAAAAAADZkZczKlYuXW6WTZ7uWrkXNaOi+3rdzAmHHuFa6WnetJnZbqutXSv/aCaFZlQAqJiSkhKzdOlSU1xcbIpjy0WFhTYgWadOHVNrNQnWAgAAAAAAYPWQl4EKE3vJS8f/6xq5FxWoKI/NN97UvHTfw66Vfwob1DO127RwLQCZ+umnn8xnn31m/hg92gYrwnTs2NH02mILs/XWW5uGDRu6ewEAAAAAAID8lJ9VjwsKTEEdRhRXRwV1arslAJn4999/ze133GEefOgh89vvv68KUjRq1MistdZapkP79quCEhMnTjSvDxxorrr6avPpkCGRAQ0AAAAAAAAgH+TnjIqYFdPnmOIFi1wrt5hRUUqzKTSrAkD6/ho3ztx7771myZIlpqioyGy77bZmww03NF3WXdfUq5d4PC1atMiMGTPG/DxqlBk+fLjRKXyNNdYwBx14oNlkk03cowAAAAAAAID8kZ8zKmIK6tVxS6hO2C5AZkaPGWPuvvtuG6TYqHt3c92115pDDznELgeDFNKgQQOz6aabmqOPOspcfdVVZt111jHTp0+3MzEGDx7sHgUAAAAAAADkj7wNVBTSIV7tFNStbQoK83aXAqrctGnTzP3332+WL19uZ0OceuqpplmzZu6nqWkmxVlnnWXWXXdd2x74xhvmhx9/tMs1ycKFC824cePM119/bb788kszduxYO7MEAAAAAAAANUPepn6SZZOmmZXLV7gWcq2oWSNTq3kT16o802fMsJ2WytM/M7asEebrrLOO6dy5s2nbtq0pKChwj1y9fDl8uBk4cKBdXr9bN3PiiSfaZVRP6mi/8aabzMyZM816661nzj7rLFNYzkDfsmXLzG233WYm/fOPqVWrljnnnHPsTIts0kfFxZdc4lrG7L7bbmaXXXZxrdT+/Osv8+CDD7qWMaefdpo9ZqMUFxebL774wrz19ts2UBGmbt26Zu211zYHHnCALTAOAAAAAACA/JTXgYoVM+ea4nnhHVioerXbtarUmS7qjH31tdfM559/7u4pSx2XSomz+eabu3tWH4M//ti8/nq8Vsqaa65p+l1xhV1G9fT0M8+Yr776yrRs2dJcdumlNuDmN3fuXPPJJ5+YvydONP/8848NYrRv3952zO+8005lHj979mwb+FiwYIFp26aN6d+/v/tJduij4owzz3QtY3bddVdzwP77u1Zqv/32m7nn3ntdy5hzzznHBmjCTPj7bzNgwACzePFid09qqutxxOGHuxYAAAAAAADySV7n6aFoc/VRUKuoUoMU6rS9ol+/pEEKWbp0qXns8cfN+x984O4Bqp8ZM2bYNEaiwJo/6KCAwNBhw8y1115rPho82Pzxxx82+DBv3jzb2f/ee++Za665xnw7cqT7jbjmzZubgw86yC5PmTrVzjrKRzrW77rrrjJBihYtWpiuXbuabt262eBO0LDYOnv5lVdcCwAAAAAAAPkkvwMV9evaDnLkXmUHjZ597rmE9C/qqDzwwAPNOWefbY4++mizTiCFzKBBg2we+9VJraIiO+pet3p167p7UR0N+/xzG5Do0qWL7Xj3++ijj8yLL75oFi9ZYjqvvbY59thjzf9uuMFcc/XV5qijjrLpzeYvWGAef/xxM3z4cPdbcb169bKzKUS1HPLRfffdZwOOns023dQWGL/+uuvMeeeea495tW+5+Waz3XbbuUfFDRkyxPz777+uBQAAAAAAgHyR95WPCxvWd0vIpcJGlbcdRo0aZX755RfXMmbDDTc0/a+80uyy8862k7fP1lubCy+80Bx88MHuEXHKbb862WGHHcy999xjb1ofqL5+/ukn+++OsW3mpxRPg956yy4fcMABdjv23morW2BbhbP79uljU3qpPoS89PLLZtasWXZZVJ/F67wfPWaM/TefKBipOhseHd//93//FzqDolGjRubwww4ze+25p7sn7t1333VLAAAAAAAAyBd5H6goqsQOcqSnoG5tU1i38tI+ff3NN24ptsMWFpoTTzjB1K5d291TaqcddzQbbLCBaxkzZswYO2odqE5UPFupmVT0eqONNnL3xn366aempKTE3r/rLruEFobXMbDffvvZ2Raq2xJMh9ajRw/7r/5Ovu3/f/31l1uK23uvvVIWx997771tIMcz9s8/3RIAAAAAAADyRdHVMW45LxUUFZmVS5eZlSuK3T2oarWaNa7UQIXSOHlpn7bffnubCiaKujR/+PHHeCNGsy3q188smKW/peDI33//bWbOmGHatWtn71eNgA8++MDWDdBsjZ49eph69RJTXk2ZMsX88MMP5rOhQ81HH35ofoy9Fo14V4exOlPVyRw0YsQI89e4cfbvrVi+3ObiT2by5Mn2Perx/8aWO3ToYO9Xyhvv/iWLF5tWrVrZ+8Oog/u3338338Te53vvv2/TBKmA8aJFi+z6Cltn48ePNz+PGmWff+rUqbawcxjVGBjx7bf2cbo1bdKkzHry/PTTT3bkvx5XUlxs6yz46XUqTZI641UsXOtVBahVYHpubHu0XmMN2+GfT/R+R44cadef9me/N95809ajOP2000zDhg3dveFat25t10VR7P1r1oVH61rrbMmSJXZ2hQrMZ4t/tsK6665rNlh/fddKTXU5tL95evfuXWamhI6FMb6UbQpCpDp+FchQUGb8hAm2rbRRe6UR4AAAAAAAAED1kfeBCikoKDQlCxMLr6JqFBQWmtptknesV9Srr722amT4dttuu6pjPow6eb0ixbLNNtvYFDGZUCf8Aw8+aFNOKYCw8847m88++8zcPWCAHa09ffp0W+hXncBeZ3JxcbF55dVXzdNPP2078ydNmmRmz5ljpk2bZoshq0P5++++M5tttlmZTvuHH3nEvmb9PRVL1t9L5vEnnrC5+PV4/Q29R1Fw5ZVXXrH3T5w4sUz+fo8CDjfdfLMNTqhTWJ28CqZMmDDBBjo++fRT0zC2ztZee233G3Gff/GFGThwoH1+BWO2jW2LsE5wBRW816Fb/QYNbBHkIM0cuP6GG8zPP/9sH9cxtl39f1OzC+65917784mx9anXqCCI3rNeq+63rzX2/GuttZb7repPQRmtZ+3HW265pbvX2MDCa6+/burUqWMOckWxk2ncuLEtGj9/3jyz++67J3TMKyAwb/58s3nPngmzDSqqsgMVOl50/HgUbAvuh2EUtNGte/fu9rZWp04EKgAAAAAAAPJI3qd+ksKG9UxBnbKpgFD5CpskH/VdUerMFq9ItAoJJ6OOTr9kswrSNXToUFsLIMrs2bPNtdddZ4MZySjdz9XXXGPGjRvn7olTh79nzpw5SYsBa7S4Ah+ebV2QIl2alXDLrbcmFCYP83Ls/T711FOr1r9sscUWbilulK9uiN+vv/3mluJ+jXjcn3/+mfD8PXr2dEvGfPHllzbws3z5cndPOP38xZdesoGTfLGiOD77Kxiw0n4kjdMMrCmgUad2bbMstg6C27Oem4Wgotv5JBhwevmVV2yQL1UKK9Xv2GH77VfdwmYuAQAAAAAAoPqqMb05RU0zGzWPLCgoMLWaVm6gQh2OXoFo3VKNrlZHvEezHSqaFkjpntRZ6qfUTCro7aWkeeTRR+0sC8/GG21kTj3lFHPZpZeak//v/xLqECjQcP8DDyR00PvT9oi/JkeQZhH4BYMHyfz511/m9ddfdy1j63yoAPmFF1xgLjj/fHPggQcm1P7Q69CsC0/bNm1M06ZNXSuetimMAhB+SsmjGSdB/vey5pprmiaNG9tldUq/8MILdlm0D/znP/+x61OFpA895JCEWiTyxJNP5k09hgZuv1GaLT8F4bS/zpw1y6a8SkVBOQUpNLMiOGtI+614fytfaJZJx44dXSvu6WeeMefH9tHnY/uE9hnNPAEAAAAAAEDNUnMCFY3q26LOqDq1mjVSL7Jr5d7gwYMTAga7pEihlA4FFLygglLV3HnHHeb6664zZ55xhu0c/u6772wqJc9x//2vOe2008wmm2xiO1yV6kn1Bo4/7jj3iHgNDH8AQM/TrVs31zIJqauC/EEM/Y106w+oE//JJ590rXjQ4cb//c8WIF9nnXVsGh+tr//dcIMNGnjeHDQoIajSyxcYUZqqYHBAs0GCsyD0+8FZJPKjL9DRq1cvt2TMP5MnJ/zNU0891ey5xx52feq17bDDDuasM880Rx15pHtEfGaF6oPkA6UoEu03/vWnVEVePRR/iqQoqucgnTp1sv96tH95M4uSpUmrjrQOTott72CxfAX4lFJMKdkUtLj8iitscEq1PghcAAAAAAAA5L8alR9DRZ1RNQpqFZmiptVnfQ966y3z+sCBrhWfLbDjjju6VsUdcfjh5thjjikTGHju+efdkjFb9uqVUHPATx3xXi0JCQYAVHvDozoMKpgdpM54BQc8/udLRYER1aLwKJjSoEED1yqlWSgKrHipc4JBFX9AQa9HtTj8fv/9d7dkEmZf/Prrr24pTs/rDyptsfnmbsmY2bNmuaW4ehHBmD59+tjXq9eqm9ZbPlCgQjMn1MEe3M4777ST/ffVV181k/75xy6HUfqvd997zy4HA3LejBatf6WHyjeqqXHzTTclDTQqRZoCNY89/rgNXKjmiv/YAAAAAAAAQH6pUYGKwgb1bL0KVL4iBYWqQa3a+fPn24LL77//vrtHkzwK7Yj7bHXSquM0LCigzlIV1fbstttubimcZgV41FGv4sIezY5ISLsUMqtCBae94IYCJt033NAup8Nf10Jpk5TTP4pSW/XYbDPXSkzRpFkNXgFx+SmQispfn0JppTy/BAIV/sCF/p6/qPIabsaB577777czV4KzNzT6/tZbblmVFmz9DAo755KCFF4RahUz91OgSwWwldLptltvXTVrwk8FxLVOtD40I8Y/G0e851w/cH8+Uf0OpSK75eabzeGHHWaLsXvBszAqUK7zwB133mlnXwAAAAAAACC/FF0d45ZrhMI6tU3xvOSFglExhfXrmlotS0fL54rS49w9YICZOnWquyfegX/JxRenrGWRjPL7K82M58ADDihT5Ff++usv842vI7l2nTrm999+syO7w25K9fOXLwXSht27r0oDpE7YmTNmmIluhoJmPwRHlGsWhvde+/bta2th+Om59XdEdQu22247uyxvv/OOWeAKK6uDe87s2WVen/+mUfkLFsaPo8KCArP99tvbZZk1a5aZMGGCXdasAH9B7+eee84GU7QdlAbro48+sm2tUwVyioqK7OPe/+CDVUXDt4+9Tn9nu1Jh/fjjj2be/Pm2rfoW333/vX2u8bH3qALR6uxv0qSJDVbkI22DH2LvUetSs2n870OBJG2fvydOtEXCFZhQoGboZ5+ZgW+8YQNHWqf6vQNi+6a3TkWzXJ56+mn773/22ce0adPG/SQ73n33XbdkbLowL+CSDgXm/CmtlErNH6AKo2Cjjr2tY4/dc8897cwb1fLQe1agMFj7ROvzx9g6U2AxWWADAAAAAAAA1UuN68kpqF3L1GrexLVQGWq1yO361WwEjZ5+8qmnbIesR6Our77qKtO+fXt3T3Z4dQOCgml7Pv74Y1vMO9nNb7qrI+DZ1hdYUBqjf3ypf1asWGFnVHgySfsk/mCOgiBhr81/m+J/fCAVk79OxcSJE1eNYNff8LaHZjeo813bxDPWN3vAP6MirCC4UlMF17ue++fYOlBapBtvusmce955NvWPAkb5pmfPnnbWgII1/lodoiLtxx13nDnj9NNt/QkV1tZ6trU7iotNl3XXtcXPDz/88DK1HIYOHWqPDxUm33jjjd29NYP2JwUpFDRTsXrVi9F68O9jon132LBhrgUAAAAAAIB8UCOHnBY1a2QK66VXZBiZUZCioE7uipYrhVG/K6+0o/496qw94YQTzHnnnptQFyFbokZ9L1y0yC2Vz3Rf6idZq1Mnm2bK40//pI59L+2TUiV1yDAY4/1ueShA4A8Iqfi2v1aHl1bKX59iww02sP9u1L27/Ve89E/qnPdSZmnmh794t6d58+bmissvNypCvk7nzu7eRHpNKqZ82+23J4z0zweaEeLVo3jP1ZoI6h5bd5decom5+667zOWxdXFV//7mrtjy+eefb2czBGl9KMgke+yxR6XPNlEAJRPBxwdfn4JxmiXh3dLZZ7UedNz704zJp0OGuCUAAAAAAADkgxqX+slTWLeOKV5QsY5kJFINkFymfFIKnCeeeCIh3YuKO597zjm2kz9byqR+OvDA0E7fKf/+u6rzXWlm/vvf/5rNNtss7ZvS2Gj0vJ9qE4wePdouK5Cx6y672GUVC58yZYpd3nXXXU2XLl3ssl+y1E8fuhRM0qNHD9uRHfaawm5Ku+Of3aB1odkT3owPpedRjQ2lc/JmbhxyyCGmYYMG9v199tln9r7FixbZ0fBfffXVqqCGCmKrQz6M/o5mx+gxu8TWg2YSNG7UyAY5vLRUntFjxtj3F6zXUJ2p3odmQChdUcPY+4pKV6b1oDRXSokVth96Bg4caNerAj9HH3100seWh55PgRDv+NN2176RLs0c8ddK2WfvvRP2f+1P11x7rfn4k0/sTTMlWrVq5X6aXOfOne1sG6+gulKS7bXXXnYZAAAAAAAA1V+NTeJdUKdWtaijUFMUFBXmdH1+++23NuWPRx2c55x9th1xH+zsz7aoDl//TAt1km+y8cZmy1690r5pZkRQn623dkvxQuFK+aPnVs0GTyadwx7/TA0Vww57PVG3sBRCut+jDmLxOqG1PdZwHcyqkeDNvlBKHqWJ+smX6kjBmnTY4uHdu9uR8/379zc3/u9/Nnjh97Wv/kE+0Ho6+KCD7LKCDMEZNplQoEazCLSvKm1UZdVn8O/zwdRnqfwbeLxmzfgFC7yrTkom/DNzdMx4gTkAAAAAAABUfzW62mhR4wamqGkj10JF1GrVzBTUKi3aW5U0k+DxJ55wrXiH5lVXXZXz0fPrrbeeW4rzp6MKo2LW199wg7n22mvtLaxjWqmr/KmOlP7p19jzep2uGnVfnvRW/mCDXqeKOSej2RHe63zt9dfdvaW07r3OcAVUNJLfq1Wh+hR+/oLLv/zyi/nT1ZRQ8EEj4YM0c0Y1KHT74MMP3b2JtA5U5FwzQzyamaDXkk80W0SzVpS26fHHHktIsZUu1aR4+umn7TbdM7Y+Mk0Llgl/cW79XRX7Tof2/W9HjnStePqyYABQNTv8NTcUeAoWy07GX9NF+xbFtAEAAAAAAPJHje/JUU0FpSxC+WkmRS7XodIWeTQK/ZKLL7bFgnNNnaHrrrOOaxnz/AsvJO1o1owQjULXzIJp06eb5r5ZDn7bbb+9W4p31o4YMcK1Yj/bdlu3lBn/zAUV01bKoSgKoAwaNMi+Tt3UgRykTuBNN93UtYx58aWX3FJpfQqPP7XTwDfecEvGdtCHzVZRwEEzSXQbMmRI0pHx7dq2dUtxweLS+UCzgjp06GAm/P23eejhh22thnQpxdHdAwbYdaagT2WnO/LPpJFnnn12Vb2RZF5++eWE7bhBYB/xbO2bUTQ9dow8G3v+dChdmvYXT/uQuicAAAAAAACovlaLIae1Wzc3BXXzrwOzOtCMlKImDV2r6mmU/je+lD6HHXqoadCggWvlnupXeDTC/OZbbllVp8FPxbC/8QUcevboYQsqh+mx2WarRoPrOb1Ahe7r2bOnXc6UZmL461q89PLL5sMPPywzs0Lr+6knn3StOH86Kj9/p/W0adPcUtlOaH9bQRJPsNPbo1oUHtUceCL2erzZGn7qIH/7nXdcKz5KPyyoUt0puHLKySfbmg/aTx5//PG00hapOPW9995rJk2aZGcZnXbqqZU+i0DBKX+9Em2Dy6+4wnz33XfunkTafnfedVfCbAq93wP239+1Eu2x++5uKU6BOv2+Pwjhp/WkmicD7rnH3RO37777uiUAAAAAAADkg4KVqXLA1BArVxSb5VNmmpXL0x+tvLpT6iylfMolddzee999rhWfxaAO3XQoB/6ll1ziWulTp6jSDnnu9/39ME899VSZ+gidOnWyKXgKi4rM+HHjzCRfWhp11Pa/8sqEfP9BTz75ZEJgQ1QE+/9OOsm1ylKh49ddmibl6+93xRV22aMR6ipW7O8EV70KjcRXTYk5c+eaUaNGJcwKUfFrBYfCaOT/ueedV+b5br3lFtcqddHFF9ugi0cd6gPuvju0Y12npCv797ezBDx63EYbbWRaxdaZfq4ZKUph5f/bSgUVrFuRT5Q+6/4HHrDrVcGdU085JXKGiAIEAwYMsLMwFLi77NJLk+5P2aTUXbfffrtrldK2136nQIZenwIo//77r/tpqWOOPjph5kSQAnMKTgUpGKPUU9pXl8fWkYJef8VeSzCI1bt3b3PsMce4FgAAAAAAAPJB0dUxbrlGKygsNIX165qSRUuMKVktYjMVUtSogam1Rm6DFDLyu+9WFWkW5azXSPJ0bqpXUJ5UOPPmzTOff/65axmz9957u6Vwm2yyiZ1F4e+U1UjyiZMmmb///tvMC9RNOP+880z7FHUEGjdubIYPH+5acYcecohp5YpUh/lr3LhVdTL0+9ttt51d9qgjecMNN7QBEK+DX0EJzYYYP368rQXi7/hXZ7nSEkUVE1fwYFzs9xQA8aigeNisD9UP8Bdf3jS2zrbYYgvXSqS/p7+tDmsvDZKCE1rH+nt6rfqb/hirZmf4Z7fkI23btTt3Nt9//719rwpcKD1WMDCn/VOzDBT80gySs886K2GWQ2Vr0by52Si2nTWLwp+mSvuSgksTJkyw21p1Kfy0v2imww477ODuCadjo3mLFjZo5t/GixYtWrWv6riaMWNGmRoWu+6yizn8sMNcCwAAAAAAAPlitQlUSEFRoa21ULJ4qXKGuHsRZGdSVIMghXw5fLgdmV0e6vAuT6Bi8ZIl5rPPPnOt1IEK/R11zqtzVR3yUTn7e/XqZU4/7TQ76jwVpTEaEnsN3uwG1eY48ogjIoMGor+tzl0JC1RIs2bNbKe+On39xYf99Lv6W0rPk+zviX7qL6i88847m44dO7pWqeXLlpkffvzRtYz5z3/+k7RzXa9h6969zZKlS+3293dY+2ldHnXkkWa33XZL+VrzgWYLqPj4d99/bzviR44caYM2Wh+iTnoFKTSbQNvygvPPTxn0qgzNmjY12/Tta5bE9nW9lmS1WUTv4bxzzzUb+eqVJKN9aJttt7XBRgUn/AG0MNtss42dgaJZRwAAAAAAAMg/q03qJz+bBmraLLNyafLOtdWR6lGoeDbKT8WoZ+o2a5apW6eOTVfTunVrm7aqOlHKHBXLVof44kWLbOogvValzKpOnf7qpNa6nDF9uu0UV9BGr1UzEBo1auQeVbNou9xzzz1m9uzZNv2TUhlpZo5Se2kWgbaTOv6bNGnifiO3NANEs3k022PR4sU2HdWa7dqZtrFbm9i+H5XCKh36iNJsocn//GPmxp5fwYvGse2uY0rpoBTwysfaJAAAAAAAACi1WgYqrNjbXj5tdjwVFKxazZuYomY1s+MXyDdKnfToY4+Z0aNHu3viNu/Z0xx99NHVLvAFAAAAAAAAlNfqG6hwVsyaZ4rnJuZSX+0UFJjaazQzhQ3ruzsAVAc6PQ8ePNi8OWiQrfGgwuZ9+/Z1PwUAAAAAAABqhtU+UCHF8xeZFTPn2lkWq5vCunVMrVZNTUGd8qdmAVC5VANCgYqioiJ3DwAAAAAAAFBzEKhwVi5bYYMVJUuWuntqvqKmjUytFtUjxz0AAAAAAAAAYPVEoCKgeM4Cs2L2PNeqmQpq17IBisIGFKAFAAAAAAAAAOQWgYoQK5evsMGKkoU1r9B2UbPGplbzxq4FAAAAAAAAAEBuEahIomTRErNiznyzculyd0/+KmrUwBQ1a2RnUwAAAAAAAAAAUF0QqEhD8YLFpnjuArNyWf4FLAob1je1mjY0BXXruHsAAAAAAAAAAKg+CFRkQKmgiucvNCWLq3nB7YICU9S4gb0V1Knt7gQAAAAAAAAAoPohUFEOmlmhWRYlCxeblSuK3b25V1ivjp1BoTRPprDA3QsAAAAAAAAAQPVFoKKCNLtCtSz0r4pwVzUbnGhQz96oPwEAAAAAAAAAyDcEKrJIgYqSJcvMytitZFns32VZDlwUFJjCurVtvYlC3erXMaaw0P0QAAAAAAAAAID8Q6CiMsVWrYIVCmCsXKFbiVlZXGxMSezfkthqD656ZWsqKDAFCj7EbgW1YreiIjtTwrsBAAAAAAAAAFCTEKgAAAAAAAAAAAA5Q94gAAAAAAAAAACQMwQqAAAAAAAAAABAzhCoAAAAAAAAAAAAOUOgAgAAAAAAAAAA5AyBCgAAAAAAAAAAkDMEKgAAAAAAAAAAQM4QqAAAAAAAAAAAADlDoAIAAAAAAAAAAOQMgQoAAAAAAAAAAJAzBCoAAAAAAAAAAEDOEKgAAAAAAAAAAAA5Q6ACAAAAAAAAAADkDIEKAAAAAAAAAACQMwQqAAAAAAAAAABAzhCoAAAAAAAAAAAAOUOgAgAAAAAAAAAA5AyBCgAAAAAAAAAAkDMEKgAAAAAAAAAAQM4QqAAAAAAAAAAAADlDoAIAAAAAAAAAAOQMgQoAAAAAAAAAAJAzBCoAAAAAAAAAAEDOEKgAAAAAAAAAAAA5Q6ACAAAAAAAAAADkDIEKAAAAAAAAAACQMwQqAAAAAAAAAABAzhCoAAAAAAAAAAAAOUOgAgAAAAAAAAAA5AyBCgAAAAAAAAAAkDMEKgAAAAAAAAAAQM4QqAAAAAAAAAAAADlDoAIAAAAAAAAAAOQMgQoAAAAAAAAAAJAzBCoAAAAAAAAAAEDOEKgAAAAAAAAAAAA5Q6ACAAAAAAAAAADkTMHKGLecN5YsWeSWAAAAAAAAAABYPdWr18At5be8DFRMmzbJrFix3LUAAAAAAAAAAFi9tGjRpsYEKkj9BAAAAAAAAAAAcobUTwAAAAAAAAAA5CFSPwEAAAAAAAAAAFQQqZ8AAAAAAAAAAEDOEKgAAAAAAAAAAAA5Q6ACAAAAAAAAAADkDIEKAAAAAAAAAACQMwQqAAAAAAAAAABAzhCoAAAAAAAAAAAAOUOgAgAAAAAAAAAA5AyBCgAAAAAAAAAAkDMEKgAAAAAAAAAAQM4QqAAAAAAAAAAAADlDoAIAAAAAAAAAAOQMgQoAAAAAAAAAAJAzBCoAAAAAAAAAAEDOEKgAAAAAAAAAAAA5Q6ACAAAAAAAAAADkDIEKAAAAAAAAAACQMwQqAAAAAAAAAABAzhCoAAAAAAAAAAAAOUOgAgAAAAAAAAAA5AyBCgAAAAAAAAAAkDMEKgAAAAAAAAAAQM4QqAAAAAAAAAAAADlDoAIAAAAAAAAAAOQMgQoAAAAAAAAAAJAzBCoAAAAAAAAAAEDOEKgAAAAAAAAAAAA5Q6ACAAAAAAAAAADkDIEKAAAAAAAAAACQMwQqAAAAAAAAAABAzhCoAAAAAAAAAAAAOUOgAgAAAAAAAAAA5AyBCgAAAAAAAAAAkDMEKgAAAAAAAAAAQM4QqAAAAAAAAAAAADlTsDLGLeeVifOnuaX81LFxa7fEe6lO/O9l0oIZZuXKEtfKP/73MmPxPLN4xRLXyj8dGq1hCgoKXAsAAAAAAABATZK3gYoRU/8wN454wbXyy9pN2po7tjvVtYz5ecY4c9VXT7lWfmnboLm5f6dzXMuYsXMmm4s/f9i18kvTug3NE7te5FrxQMXZQ+51rfxSt6i2eWHPK1wrHqg4+eM7XCv/vLb3VQQqAAAAAAAAgBqK1E8AAAAAAAAAACBnCFQAAAAAAAAAAICcIVABAAAAAAAAAAByhkAFAAAAAAAAAADIGQIVAAAAAAAAAAAgZwhUAAAAAAAAAACAnCFQAQAAAAAAAAAAcoZARYg6RbXNgV22ca38VlhQaA5bbwfXyn9HdNvRLeW/w2vQezl0ve3dEgAAAAAAAABkhkBFiM1bdzXbt9/UtfLbJq06m5079nCt/LZ+845mz7W3NAWunc/WatLG/Kfz1qZWYZG7J3+1qt/UHNxlOxvgAwAAAAAAAIBMEagI0afdhqZj4zVMu4Yt3T35q0+77rYjuUuz9u6e/NVnze6mUe36ZqNWnd09+atvbLvUr1XH9Fiji7snf23bfmMbcNmq7fruHgAAAAAAAABIX8HKGLecV0ZM/cPcOOIF18oedbg+u8dlpk5hLfPCH5+aV8Z85n6SPWs3aWvu2O5U1zLm5xnjzFVfPeVa2aO0T0/udpHt3H/jzy/M07995H6SPW0bNDf373SOaxkzds5kc/HnD7tWdj2+64WmWd1G5v0JI8zDP7/j7s2epnUbmid2vci1jJm0YIY5e8i9rpVd9+14tmnXsIX5bNKP5u4fBrp7s6duUW3zwp5XuJYxMxbPMyd/fIdrZdet255s1m26pvl6yu/m5m9fdPdm12t7X2UKCmrCXBoAAAAAAFAVFixYYK659lrXytwWW2xhDjv0UNfKro8//ti8/8EHdrlnjx7miCOOsMu59s8//5iXX3nFLu+z996ma9eudjmXxo8fbyZOmmT+/vtvu01btmxp1unc2XSO3Zo3b+4elZ5ly5aZiRMnmgkTJtjnVbd4m7ZtzVprrWVvTRo3do9MTzZf27hx4+zrmhR7vgULF5omTZqYNdu1Mx06dDDrrrvuatEvVnR1jFvOK5MXzjSfTx7lWtnTq836Zvv2m9jlJnUamA8mfGuXs0md7buvtYVrGTNt0RwzZNKPrpU9G7fqbHZzf0ezKt4a95VdziYFQfbu3Nu1jJm1ZL756O+RrpU96zXvYPZxf6dtwxY28JJt9WrVMfuv29e1jJm3bJF5b/w3rpU9nRq3Nod03c4ut2nQwgz660tTkuV4oQJuB7u/IYtWLI1t/+GulT3ar/67wW52WUGrN/8abopXlth2NqnOCoEKAAAAAACQrvnz55sPPvzQLF++vFy3+vXrm6222so9W3aNGjXK/Pbbb/bv1K1b12zdu7RvLZcGvfWW+fHHH82sWbNMp06dzNprr+1+UvX0Gu65917zzrvv2vWlAMPUqVNth/53339vPvnkEzPi229Nly5dbKd+Kn/+9Ze5/vrrzedffGF+ja37yf/+a/6N3caMGWO+jT3P4MGDTe3atW1QIJVsvrZ58+aZhx5+2AwaNMj88uuvNvCh51LwQ+3hX31lvvzySxuwaNWqlfutmonUTwF91tzQLcXrCORz+ielsPKoQ3mdpu1cK/8ohZVHwZENW+buRFlRSmHlUfqnTVulPgFWV9usuZFbigdHerXp5loAAAAAAADIF5MnTzZffZX9Qc7loSBO/6uusjMWkpk2bZr53403mrFjx7p7wg0dOtTcfvvtNjCUzBtvvmkeeOCBpI/L5mubOXOmufyKK8zvv//u7gk3Z84cc/eAAWbUL7+4e2omAhU+8Tz7G7hWnL+zP59o7Lm/Q1zy9b1I8LVvncfvZds1N3ZLcf7gWL7xB5Akn/cxAAAAAABQc+21556m/5VXpn079phj3G/WfOoov/mWW0xJSfazZGRK6ZkefeyxhNfSrVs3c9RRR5mzzzrLHHzwwaZxIEWTZjcsWbLEtRIpoPDiSy+5VtzmPXua/x57rDn5//7P7LDDDqawsLSL/OdRo8zb74SnnM/2a3v6mWcSnktpo46OPdd5555r9z/NavF75JFHzIoVK1yr5iFQ4dOzdVdbm8Iv2NmfL7q37GxnHvht51Ja5ZuuzdrbGSF+6hDPx0RA8SLtLVwrrnfbDW09kXwTL9K+pmvFbd5mPVOnqLZrAQAAAAAAVA/NmjUzbdu2Tfumx9dUP/30k/nggw/MCy++aC67/HIz4J57Us42qCqa1bB48WLXMma/ffc155x9tunbp49Zf/31zU477mhuuP56s8kmpf2ceu2fDR3qWolee+01txR3+GGHmRNPPNGm9dpss83MoYccYi65+GKb9snz0UcfmaVLl7pWqWy+Ns2OUNopz6677mouvPBC0yf2XKoN0rt3b3PpJZfYQIpHz/X1N9lPU19dEKjwCRsN3rlJ2zKd5PkgbJS+3ocKeeebsGCR6nys3yIxqpgPgjMQxKZ/WmMd18offUPeiwJ9m7fOfaElAAAAAAAAhFOA4s1Bg8ywYcPM3Llz3b3Vw4gRI9ySMR07djS77767a5WqVauWOf6442wdEc/333/vlkop2KDaFB51/m+3XWlNV4/+zqGBwulhaZay+dp+/vlnt2RM06ZNbdAjzMEHHZQQRPl7wgS3VPMQqHDi+fXXd61E27VPTNVT3WmmQe9ACitPPqbmCesQl7BO/+ou6jXn5XuJmG2Ur7OQAAAAAAAA0jVlyhTz+eefm2eefdbcdttttraBZilolHxxcbF7VPpU/FuFrF8fONA+34033WQefOgh8+Xw4TU63Y+fUistXLjQtYzZZ5993FJZKkK+8UaltVNV7yFI9ST8NOMhSu+ttkoICIzyBRIk26/NX+NCwRN/+ik/3d++fXvXMmZGyHPVFAQqnB5rdLEj28NsnWedyBu0XMvOOAjT11f8OB90CUn75OmbZx3iKsyu1E9htmq7fl6lf9L+pZRcYVRQW4E/AAAAAACAmkZBiJdeftlce9115vkXXjDDhw83f40bZ2sbaJbCnXfdZW644YaMZir8+eefNgXTQw8/bAYPHmyfb+LEiTZF07PPPmsuuPBCGwTJluP++19zysknl7kF6ytUtX+nTHFLcZ06dnRL4Zr60nMpkBCkAuGeYId/UFFRkVlvvfVcy5h//vnHLcVl+7X5n7/9momp1YNmz57tloxp3Ci8z7cmKFgZ45bzyoipf5gbR7zgWmXt07m3aVi7nmulttkaXUy35h1cq6zXxw4zy0vSj4aOnDbajJ1TejD4Kf3SHdud6lrG/DxjnLnqq6dcq6y91t7SNK7TwLVS695ybbNR7Bblzb++NEtWlD1Aovw4/U/z++yJrpWobYPm5v6dznEtY9/zxZ8/7Fpl7bbWFqZ5RBAljNI7bdoqOi3Su+O/NvOXleaGS+WXmePNqNgtTNO6Dc0Tu17kWsZMWjDDnD3kXtcqa5dOPU3Lek1cKzUFXZKlRfpwwrdm9tIFrpXaH7Ft8kNs24SpW1TbvLDnFa5lzIzF88zJH9/hWmXt0GFT0ya2LdOlfVjBlSifTPzeTF+cwQfy3Mnm26mjXaus1/a+yhQU5GNVEgAAAAAAkAsaxX5l//6uZcyRRxxhttlmG9cqH3UY33X33Wb69OnunmgaVa8Cy507d3b3lBo0aJB53wUevJH06RSy3mXnnc2BBx7oWtl39TXXmGnTptllpULaYfvt7XJV+eOPP2zxaVHg4O677rLLURTY0SwUadeunbmyXz+77Hn88cfNtyNH2uW2bdqY/r79Icy77767qpC2tt+dd5T2pWX7tf3lS0mlAIr+XpgffvjBPPzII65lbOFu1cSoiWpsoKJ53cbmki0OM+slCT5UBgUznvz1A/Pe+OjCJpkGKjR6/fyeBycNPlSG4pUl5tnfB5s3//zS3VNWpoEKFfjWe9lsjXXdPVWjJLabvzR6iHl17FATtctnGqhoUKueOXuz/c2WSTrsK4sCZ8//8WnsfYV/iGUaqNDjz4y9l6g0W5Xp7XFfmad+/Si2v0UHAglUAAAAAACATFRGoOKWW29NSNmj9D59+/Y1zZs3t39PaZpGjRrlfmpMw4YNzc033VQmrY8/UOHXvXt3s8Xmm5v2HTqYaVOnml9+/dXO2PBT8Wd/geVsynWgIhPz5s83l19++aoAj9bbCSecYJc9t99++6oaFRtuuKE584wz7HIUrWul8vLcf999bikz6by2VPS7Qz77zLz++uurnkcF3q+/7rrINFH5rujqGLecVyYvnGk+n1x64ActKV5mPpn0gyksKDAbtOxkCmzlhso1ZdFs03/4k3Y2RTIKPOy+1hauZcy0RXPMkEnxCFsYvZchsfeyoqTYBiuqosN22uI55tqvnjHD//3V3RNOgYe9O/d2LWNmLZlvPvo7HqkMs6xkhfnsn5/MohVLzcYtO1dJuiPNUrj262fMsH8Sc8sF1atVx+y/bl/Xip1Uli1KGnBaHnsv2gfnxJ5fxbCLquC9zI+9phu+ed4MnvidWRn7L4pSLx3ctbQ4kNb3W+MSP9j8FJTStta+qCBSVaRuWrh8ibnp2xdi63hE0vcih623A4EKAAAAAACQtsWLF5tPP/3UtYxNp/T111+boUOHprxt1L27adAgMbvJd999Zz7xPZ/SJ+2///6mTZs2thhy27ZtTa9evUzr1q3tKHhZvny57Vzu1KmTbXs0On/sn4lZMjRT4vDDDjMdOnQwTZo0saPwN91kE7PW2mubkSNHrhp4q9/bbdddK6WfRB3jXh0GBU3Wjv3t6kgd948+9tiqoIocc+yxpllsO/h9FtuW8+bNs8udY+9ls802s8tRNGPGm4EhKpadaVAg3dcWRr/zyKOPmg8//NC8+tpr5pdfflm13dfp3NlceOGFpk6d8NIFNUHNDL84Gm3+/B+fmH5fPmHmLi0tdlIZFGg477P7zcT5pTthNmmXfG3sMHP5l4+bGUviB1hl+WbK7+bc2HtROp7K8tZfw83Fnz9iAyKVSamRzhlynxk9e5K7J/s+mPCtuXDYwzZ4VpmUsuqc2HYZNXOcuyf7Pp30Q2w/fiC2H6eewlgR2h5nx7ZLVOoqAAAAAACAbFIH/L///pvWLaymwHPPP++WjNmyVy+z5ZZbulYiBSv8MzdUt8IbER9l0003tWmdwihocpAv3dPSpUttwGV1pW1z94AB5tdfSwdXd+3a1awVCAaJ1pWnlq9QdhR/MW0J2w+SyeS1hVFNjdGjR5spU6eW2WdUcLsmBymkRgcqPL/N+tuc81nldIouLV5ubv/uFTPgh4F2ubKpg/fcIfebkdPGuHuyR7MdHvz5bXPTty9mVMOivMbPm2IDIl/8+4u7J3s0++SJX963MykWLE+/hkV5KUClDv6PJ37n7skeBdye+/1jc9XwJ+3sjco2ZdEsc+Gwh8y7SWaTlJdmTrwy5jMbcJu9dL67FwAAAAAAoPqaM2eOnaHh2W233dxSuD332MMtxQMkM2bMcK1w++23n1sKp07q+vXru5Yx333/vVtavajAuIqYjxlT2i+q2SwnnniiayVasWKFW4oXQU8lGBxYkcbveDJ9bZl68qmnbJF2b8ZLTVRjUz8FKYiglENLipeZjVsp5VDFp0dp1LlmaygQkolMUz8FKeWQ0hgpNdEmrbKTckjr86qvnjbfZxgAyTT1U5ACCko5NGPxXLNpllIOaZaG3ss3U39396Qn09RPQQooqHbKpAXTTc/WXbPyXjR75rpvns1oX5dMUz8F6b18F9sXVHNkizbrmdqFtdxPyk+zmvRePo3t66lSPQWR+gkAAAAAAGQimPpJdR3223df03urrVLe1lxzTVsw2aPCx9+MGOFaxtSuU8f8/ttv5reIm+pYKNWUZ8Pu3W1KKI8/9ZPqWBx4wAF2OYrSD/0zaZKZ/O+/7h5jdqyEOhXVNfWTggxvvPmmefrppxMCRh07djQXX3SRadSokbsn0eeff24WuPejWQ2bbLKJXY7y999/m+9d2i7Za889Ta1ayfvEyvvawmgf2Wuvvextq969TYf27c2YsWNXBVz0XrTvVLTWSnW1Wsyo8FNh6Es/f7TCKYfUga1R5xp9niulr2G2u6d8Pp74vUv3Uzlpq9Kh16D3UtGUQ5qdoVkamq2RK19M9l7DVHdP+WjWjGbPVGbaqlRUb0XvpaKvwabg+uy+jIN6AAAAAAAA2bBmu3amW7duad2CKXaUksfv448/NoNT3Pym++oVBK2xxhpuKbm2sdfv0QyP1cU///xji6IPHjzY3ROnwJMCAcFaIn516tZ1S8YsTSONU3C2QqpUSxV5bWEUkPJua7RqZfr06WOLsbdt08Y9Ih5MGTt2rGvVLKtdoEJUe0Gdr6rFkCmNTFcx40dGvWtnNuRaPOXQ/ba2QKY0u0Rpq+778c1q8V7+WTDDBiven1AaoU6XZszc/9Mgc/vIV6okbVUqmiVz0bCHzaC/0p/F4FleUmweje1fN3zzXGx/W+LuzR3NdlGqplfHDM14JoSKdD/920c2BZdmqAAAAAAAAOSbhYsq1qcxPUnqp1Qj9j316tVzS/Ei3asDBXxu+N//EgIzCuxcduml5tBDDkmY9RLGv87mzp3rlqL5Z0RIskLaFX1t6dL+ccYZZ7hW3C++Ghg1yWoZqBB1Zr805jPXSo/S4KgAsEaZVyfqpH/hj9KpbOkYN2+KnUWh0f/ViQImL4/ObLtMWjDDnD/0QTP47+zXh6iI4pXF5qXRQ0yJq86fjn8XzjIXD3u4UupDVIRSQb06dpgNoqRr+uK5tmD6G39+4e4BAAAAAADIP02bNHFL8c7r4447LqNbVKFsmTdvnltKbqYv2KF0UTXZypUrzQMPPGBef/11d0+canlcfdVVNq1SOlq1auWWTMo6ITJ7dmnWmqh1nI3X9vOoUebpZ56xt/fff9/dG61ly5amcePGrmXMtCQzdPLZahuokL7tNnRLyamj+cXRn5pLv3jUzFqS3smjqm3fPnmONY9GxL8+9nPbGT61gimjKkvfNbu7pdTeHveVOX/oA+bfhTPdPdXL1rF9LN16KB9O+NbO9Jkwv2IpoyrLFq3XM3XSrFWhmitK9TRubmnuRAAAAAAAgHykjmKPCi5vsvHGZstevdK+tWjRwv12WeocV+d3KlN9ndNtfPUuaqLnnnvOduZ71Pl/3bXXmt132y2jGqbt2rZ1S/F0WctSpH/y/82olFzZeG0zpk83X331lb29/c477t7k/MXUVwaKftcUq3Wgok+71B3iqmVx+ReP2VH+GlVep6i2aVGvNIJVXahDPBUVur7yyyfNs78Ptil5pEW90ohwdZHOe1Fh5mu+fsY8/sv7tiC3tKrf1P5bnfRJ470sWL7YphN78Oe3V6XgWqN+M/tvdbJ1uw3cUjSlRrtt5CtmwA8DV6XgatOguf0XAAAAAAAgH6233npuKU4Fs5NZsGCBuf6GG8y1115rb8lSPymN07fffuta4ebPn29+9aX7abfmmm6p5lEB7C+Hl6ZS33zzzc0lF1+cECxK11prreWW4v4YHZ0lR4EMfxqnsELi2Xpta/gCTQp8TZ2afNCyCnb7Z1F07tzZLdUsq22gYu0mbU3bhtHRTPlqym82PVLjOg3MsRvsam7qe5J5cc8rzPEb7u4eUT2og36dpqUFdcJ8O3W0OePTAaZurdrm6PV3Njf2PdG8vs/V5rRN/uMeUT00q9vIbNgi8SQS9P30seaUT+6yy0d228nc0OcE+17O2exAe191Ub9WXbPZGl1cK9yvsybYdGLLSpabw9bbwVy39XHmxb36mYu3OMw9onpQgK5X2/VdK5yXGm3usoXmkK7bm6t7H2teiB0v18beEwAAAAAAQL6qW7euWXeddVzLmOdfeCFpnYhXX33VFuCeMnWqmTZ9umneLPmA1NcHDjQrVkTXj33vvffcUtzmPXu6pdxTR7teu3dLZ3ZIMu/63mvXrl3NiSeckLRWRDLrxLaZ/3ffeeedyNf34UcfuaW4zTbd1C2VytZr69C+vVuK0/6UTDDNFIGKGibZSPfFK5aaP2ZPMq3rNzPP7XGZuWLLI83+6/Y16zXvYH++eZvEKGqubdt+Y7dUlupXjJnzjw0AqNP4yi2PNgd22dZ0ax7Pl7Z56662Q726SDWbQh37DWvVswGjq7Y6xhzcdTuzQYtO9mfdW65lmtTJrJp+Zdqq7fpJ0z79NutvU1RQaB7f9UJzTe//2kBF95Zr2/RK6zZtV61miPRYo0vStE86XlST49FdzrfBliO67Wg2abWOqVtU26wRex8dG9fsKYkAAAAAAKBmO/DA0gGyCxcuNDffckvoSHjNfPhmxAjXMqZnjx4pC2ar0PN1119vZs5MTG2uTvVXXnnFDPmstJ7rOp07m/XXTz6YtCrdc++95uxzzll1G+VLi5Sp0aNHJ8xqOP64ig1+VRCh91ZbuZYxf//9t7n/gQdscMVP63fIkCGuFa9P0aVL4uDjbL62Zs2amY022si1jBkzZox54YUXyqSmUjDsjTffNJ/6XptqVYTN9qgJCmI7fMXCXDkyYuof5sYRyaNNydy349mmXciMCo0Kv3Xky2b64jlmz7W3NMdtuLupXVi2SvtN375ovpnyu2tlRrM57tjuVNcy5ucZ48xVXz3lWpm7bdtTQmdUqGD2Ld++ZGtR7Nyxhzlpo71sx3HQXd+/bob+85NrZaZtg+bm/p3Oca34+rv484ddK3PX9zk+dEaFCmbrvUxaMN3WsDhj0/1MvaI67qellD5JtR7Ko2ndhuaJXS9yrfjfPHvIva6Vucu3PNLWdQhSwWy9F9Wi2Dz28/N6HmQahASLnvr1Q/PmX1+6Vma0nRWY8sxYPM+c/PEdrpW5C3oeHFvvpSdQjwpm63gZO+cfs9ka65rzehxkZyAFqai4buX12t5XZZSDEAAAAAAArN7U6X9l//6uZcyRRxxhttlmG9cqn6eeesp8/c03rhXXqVMnO0K+sKjIjB83zkz65x/3E2Nq165t+l95ZZnUQIMGDTLvf/CBayVSzQPd5s+bZ/6KPZ+CIn79rrjCrFlJqZ+uvuaaVSmGDj30ULPD9tvb5WRuu+02+zo9J554YrlnfLz62mvmk08+ca14p3y6em2xhTn44INdq9S8+fPN5ZdfnhCc0AwZzYioF/t3zNixNlDkd8IJJ5gtNt/cteKy/dr+/fdfc8P//hf6ulQEfPr06WZs7LUtXbrU/TTu8ssuMx06xAfT1zSr5YyKtRq3KROkUP2JF/6IF8xWkELeG/+NuXDYQ2ZKSNHp3m1T5+uvCmFpn1Qw+7WxwxIKZn888Xv7XiaHFJ3unUbtgaoQlfbprb+G24LZClLIF5N/sUWnx88rG7WuLtvFpn1qta5rlXp/woiEgtkjp4227dGzJ9m2X3XZLrUKi0LTPn066QdbMFtBCvlh+p+x9v12pkhQ7zRqdQAAAAAAAFRnxxxzTJlOeI3SV90C1S/wBynknLPPTlm/QEEOf+HmiRMnmi+//NIWbPYHKRT00PNVVpCiOtC69FNtjnRvf8fWW5gmjRvb4I4/sKDOf838+HbkyDJBiv8ee2yZIIVk+7W1a9fOnHfeeQmpo7zXpdkdv/zyS0KQQo877rjjamyQQlbLQEWfNRM7TdWZf9Hnj5hXxsQLZvtNnD/NnPfZ/eaLf39x98Rt1XYDU1iQ+9W3bWCUuwpmX/HF4+a53z9eVTDb88+CGbbmxkd/j3T3xPVs3dXWIMi1YMf8nKULTL/hT5gnfv1gVcFsz7RFc8xFwx42b4/7yt0Tp3RD1SGV1ZZtutkOfs/85YvNdd88ax7++Z1VBbM9MxbPNZd/+bh5fezn7p44pedS8CbXNOvDn/ZJqdFuGfmSueeHN1YVzPZ42+zF0Z/GjqXSyVprNW5dLQuEAwAAAAAApEudxZoxcPTRRycNQPTq1ctcf911tkZCmDp1SrOE1G/QwFx26aVmxx12sMGIIP3NDTbYwD5ft27d3L01k2YRVIa2bduaq6+6ymy80UYJgQE/BQ4082IrX6oov8p4bap7ou3ap08fd09Zer19+/Y1N990k9kytl/VZKtl6id/2qdPJn5vHhn1rq3lkMqOHTYzJ2+896r0Sdd+/YwdRZ6pbKZ+unXbk826TeORVBX/vveHN8yiFYlTgsKofsI5PQ5clT5JHc9f/fubXc5ENlM/qbaBajSIin/f/cPrZuHyJbadjDrSz429l4a169n2gB8GmiGTfrTLmchm6qdLex1hgxXyU2z73vn9q2bu0sSpemE2atnZXLT5IavSJz086h3z/vjSvIbpymbqJ6Wm2nbNeB0U1Qi547vXzKwl82w7GdUOuXDzQ01zF2x55vfBZmAgGJMuUj8BAAAAAIDqZvqMGWambrNmmbp16pg2bdqY1q1b2xQ+5aGaBBMmTDAzYs+pVFJrr7WWnW1R3ftEiouLzTnnnmvTGF1yySVmrU7xerLV1azY9tJ61owFpe5SICMqgFFVtO60H02dMsXMnjPHtGzRwr6u5s2brzZ9YqvdjIpOjVvbIIU6wBXouPfHN9MKUohS3WhGwsT58QhaqsLPlU1pnxSk0Aj3u79/3dY9SCdIIV9P+T0hfdLWbXP7XhrVrm+DFNoWD/z0lvnfiOfTClKI0iedPeS+VemTcr1dNDul5xpd7MyJR395z1z91VNpBSlk1MxxNn3SqJnjbTvX20WzQjR7SLNznvntI3Pll0+kFaQQpYA6J7ZdvGBert8LAAAAAABANq3RqpUtbN23Tx+zxRZb2NoS5Q1SiGZUqIhz79697eh5BT3yoZP6199+W1VroX0epKZq0aKF6dGjh13PSqWV6yCF6DVof1KR7W232cZsuOGG9nWuTgN3V7tARZ81u9tR4WcNudfOysjUlEWzbK0H1RpQh3gud5Vt1tzIzmA497MHzGflKIbtpU9SDYgtAqmKqprei4p/K3gSTE2VjtlL59v0Sa+OGWqLOucylZVmq6iuyQVDHzLvjvva3Zs+pU+6aviT5vk/PrGzEhTEyZXNW3c1MxfPMxfG3svAP78wmU6/WrB8sZ159OSvH5jOTdtWi1RWAAAAAAAAyI7vvvvOPPDAA3ZZ9Ttq1SpNHw5kYrULVPw5Z7Lp9+UTtjO4vDRSXrUG7vtxkFmrSVt3b9XTzA6lWfKKf5dH8cpiWwPiju9eKVOUuyrpPVww9MFVxb/LQ/VF1Ll//TfPmS7Nche9nbdskU0Z5RX/Lg8FBBR06T/8yZy+l8UrliUU/y6vQX8NN5d98ahZr3nNLfgDAAAAAACwuhn2eTzNt0b/q9g4UF6rXaCiPLMoonw95Tczft4U16p6SnmULSOnjVmVOikX9PezRTU/fp05wbWq3o/lqFsS5ffZE8tVByVbfprxV5ni3+Wl2T/fTPndtQAAAAAAAJDvVJfjgP33N1f1759QJBzI1GoXqAAAAAAAAAAAVNzhhx1mdt11V1tfA6gIAhUAAAAAAAAAACBnCFQAAAAAAAAAAICcIVABAAAAAAAAAAByhkAFAAAAAAAAAADIGQIVAAAAAAAAAAAgZwpWxrjlvDJi6h/m5dFDXCv/3LrtKW7JmJ9njDNP//aha+Uf/3sZO2eyeejnt1wr//jfy6QFM8zd37/mWvnH/15mLJ5nbv72BdfKP7dsc7IpKChwLQAAAAAAAAA1Sd4GKgAAAAAAAAAAQP4j9RMAAAAAAAAAAMgZAhUAAAAAAAAAACBnCFQAAAAAAAAAAICcIVABAAAAAAAAAAByhkAFAAAAAAAAAADIGQIVAAAAAAAAAAAgZwhUAAAAAAAAAACAnCFQAQAAAAAAAAAAcoZABQAAAAAAAAAAyBkCFQAAAAAAAAAAIGcIVAAAAAAAAAAAgJwhUAEAAAAAAAAAAHKGQAUAAAAAAAAAAMgZAhUAAAAAAAAAACBnCFQAAAAAAAAAAICcIVABAAAAAAAAAAByhkAFAAAAAAAAAADIGQIVAAAAAAAAAAAgZwhUAAAAAAAAAACAnCFQAQAAAAAAAAAAcoZABQAAAAAAAAAAyBkCFQAAAAAAAAAAIGcIVAAAAAAAAAAAgJwhUAEAAAAAAAAAAHKGQAUAAAAAAAAAAMgZAhUAAAAAAAAAACBnCFQAAAAAAAAAAICcIVABAAAAAAAAAAByhkAFAAAAAAAAAADIGQIVAAAAAAAAAAAgZwhUAAAAAAAAAACAnCFQAQAAAAAAAAAAcoZABQAAAAAAAAAAyBkCFQAAAAAAAAAAIGcIVAAAAAAAAAAAgJwhUAEAAAAAAAAAAHKGQAUAAAAAAAAAAMgZAhUAAAAAAAAAACBnCFQAAAAAAAAAAICcIVABAAAAAAAAAAByhkAFAAAAAAAAAADIGQIVAAAAAAAAAAAgZwhUAAAAAAAAAACAnCFQAQAAAAAAAAAAcoZABQAAAAAAAAAAyJmClTFuGUCaFixYYCZOnGimTJli2w0aNDAtW7a0t+bNm9v7AAAAAAAAAACp1fhAxZAhQ8ygQYNcq6zrrrvONGzY0LUqrri42Fx55ZVmyZIl7p5E22+/vdlvv/1cKzseffRR8+uvv7pWonbt2pmLLrrItbJj0qRJ5o477nCtso4//niz8cYbu1bN8d1335lHHnnE7lMKVETp1KmTOeCAA8xuu+1m10NBQYH7CTxPPPGE+fnnn12rVJ8+fczBBx/sWgAAAAAAAABWBzU+UHHQQQeZb775xrXKuvvuu82BBx7oWhX35ZdfmsMOO8y1ylIn9rBhw0xhYXaybs2fP99suOGGrhVOr6ljx46uVXF33XWXuf32212rrMMPP9zceuutrpX/hg4daveTZPtRlE033dSuiw022MDdA9ExN2LECNcqtc8++5gHHnjAtQAAAAAAAACsDmp0jYpx48al7Fx++eWX3VJ2vPrqq24p3N9//22+/fZb16q4999/3y1Fe+ONN9xSxWnGyPPPP+9a4V588UWzcOFC18pvGvl/1FFHlStIIT/++KOdWfHMM8+4ewAAAAAAAAAAfjU6UDFw4EC3FO2LL76wqYyyYd68eeaVV15xrWivvfaaW6q4F154wS1FU+CgpKTEtSpm+PDh5t9//3WtaB9++KFbyl9KGda/f3/XqpjLL788aQoyAAAAAAAAAFhd1dhAxYoVK9IexZ5OQCMd7733nltKTjMSFi1a5Frl9+eff4amzwnSLI6RI0e6VsWkmjHieemll9xSflJA5owzznCt7NDzTZ482bUAAAAAAAAAAFJjAxXqaJ4xY4ZrJacZB9ko1ZEqJZLfBx984JbKL5MAS7oBhmTmzp2b9myQbM5UyYVUNTZUe+L66683jz/+uK2poJkXO++8s/tptKeeesotrd66d+9utt566zK39dZbzz0CAAAAAAAAwOqixhbTPuusszKqzfD666+bXr16uVbmxo4da3bccUfXSm3bbbfNKLARpBkjer3pBmPkjz/+MA0aNHCtzCnN1MUXX+xaqV1yySXmzDPPdK38MX78eLt9ovzvf/8zxxxzjGslGjVqlP1Zsu3y119/mdq1a7sWAAAAAAAAAKzeauSMijlz5mRcQLqidSMy/f1hw4ZVaMbB559/nlGQQj766CO3VD7PPfecW0qPAhv5GAdTSq0oCkZFBSlko402Mo888ohrhUunxgcAAAAAAAAArC5q5IyKZ5991lx22WWulb7yzjgoz+wGqciMg9NPP9289dZbrpWeisziGD16dFqpjYIqOlMlFxSQufTSS10r0WmnnWYLY6ey1157mZ9//tm1Eql+R58+fVwrnPaloUOHms8++8zO8FBwo379+qZZs2amffv2pm/fvubAAw+09yWj3x0zZoxrlWrZsqXp2bOnXdYpQIGvN9980/z+++9m/vz59r4LLrgg9Hjo0aOHadWqlWuVpd8dPHiwayVSeqdGjRrZmSdhAZvOnTubLl26uFY0rR+tG62jiRMn2qCf1kXDhg1N27Zt7fPsscce9j0WFRW530pPcXGx+fHHH80nn3xifvjhB1tXRPfJWmutZZ/7kEMOsUGpTHjr+euvv7bPqZtee61atezr1nbt0KGDWX/99c2ee+5pmjRp4n4TAAAAAAAAqNlqZKAiWSfxqaeeah588EHXSnTfffeZfffd17XS9+mnn5pjjz3WtRIpoHD//fe7VqJOnTrZjsuCggJ3T3pmz55tNtlkE9dKpGDE0qVLzTfffOPuSfTVV1/ZDtFM3XjjjZHv47zzzjN33nmnayXS7AOlSqoIdZ6fffbZrhWn93nllVe6VnapZslFF13kWonU8f3KK6+YOnXquHvC3XvvvWbQoEGuVUqd0rfffrvZYIMN3D2JSkpKzNNPP53We1OH/ymnnGKOPvroyMDBk08+GfpcCjrpZwpkKFimjvl0Kf2XUqtF+e2338xuu+3mWom0D/3nP/+xQZawQvD6WdR+Jlo/TzzxhLn66qvdPclpvSjgcuSRR5rCwtQTyCZMmGD353SK1Gsf1Plku+22c/eEUyBT9WRUyyQsaBRFr7lfv36mcePG7h4AAAAAAACgZqpxqZ/UqR0VpNAoaN2iqIO6PF5++WW3VJY6G9X5Gubvv/82I0eOdK30vf32226pLHUAH3DAAa5VVqYpsUQdreo8D9OuXTvbaR3VUf7MM8+YxYsXu1b5TJs2zXZ++2+VWai7Y8eObqms7777zhxxxBF2RkAy6vz/8MMPy9zefffdyCDFP//8Y/eXdAMwCxYssEGPXXfd1Y7Mz5SOE43czyRIIe+9955bCvfxxx+7pbK23357txQuWdzUWz/pBilEMy80u+rwww+3xeCj6O9qttE222yTVpBClL7tqKOOSll4/ZprrjHnn39+RkEK0evZZ599zLhx49w9AAAAAAAAQM1U4wIVSjUURR346623nunatau7J5E6HtUZmomZM2dGBg40+l6pYvbbbz93T1nJXm8U1X6IopHsu+++u2uVpc7PTCfRKMWOOsXDHHroobYwdLLgSEVrY1Q1pfZJRrNV1MG/00472Zkk6thevny5+2n5fP/992aXXXYxX3zxhbsnfeqMP+igg8zUqVPdPakpvdOJJ54YuV0lKqigAIfSFkVRMCaMUjGVN53RTz/9VO71I8OHDzfHH398ZNDsjDPOsKnYymPAgAF2NlYYBeo0c6W8VHhds2YULAQAAAAAAABqqhoVqFBnsToGwyhNjvLjy8EHH2z/DZPpjINksxu8v5MsNUymMw40myBqxohmbqgjeI011ojsZC7PLI5kM0a82SJKtxWlvDNVcmXNNde0neqpaIT8HXfcYWexrLPOOjb9lwppaxspRVG6tN8qPVGyoEEqqvegoFG6+5KCLamKekelbxLVbwijAEbU/lmetGqi+hCqC1KR9SMKKN11112uVUq1XjKt9xJ00003lSmor+BCsnommllz2GGH2dkeW265pbu3LO1P5a0tAwAAAAAAAOSDGhWoGDJkSGRnptL1qD6AJOtUz3TGgQovR9Goe1GR32QppzKZcfDqq6+6pbL8sxqyNYtDo/WjRsiro7Vbt252WbNHotI/aaZKshH41ZHqFGRKtUquvfZa28G/+eab2xROqVJEyaOPPhqZFmjjjTe2tQ281FF33323TbcVRqPvw+pilFeyANv777/vlhJpHUTZcccd3VJmtM8nS091wgknmMcff9z+bQX+kqWXUv0L7dMepYPq37+/a5V1zjnn2JokKtqt16GaK1FuvvnmhJkP2h5RbrnlFrs9b7vtNps6SkEOBX+ijqFkAVEAAAAAAAAg39WoQEWykfv+0dxrr7227QAOk8mMA3VCa7RzGBUr9nc6RtWpkGQzFvyWLVsWObJaM0b8HcuqWxBFhX3THXmfzowRUaFijeiPUp7aGLm04YYb2qLN5aXOcKX8UbBKQaOolEUq3hxVbPy4446zgQfVKVBQSDfN3lAqrqg6F+qIL099fM0GUb0L/T3d9N41s0R/O4xew7x581yr1AcffOCWEul5tI9mSoGEZDUpNINFNSC0v3fp0sXssMMO5tlnn40sbi/+wKCCC/7AhUevVYGPCy+80PTu3dumA9tqq63stlKh9DCaoeJ//8mCVEobFqSUdNdff71rJVLqKtI/AQAAAAAAoKaqMYGK6dOn2xHKYTp16mQ23XRT14pTh2+UdGccJHtc8Pn79u0b2VGrTt90Zhyo4zRqxohmU9StW9e1jGnWrFlksELPke4sjqgi2rL33nu7pbioTm3RzJPydKDnkmoiaDS90jpVhApwK72PZlgEO5uj1q/+5hVXXLFqFpCfZugoqBBGo/g1gyVdCqYpMHHDDTfYQFOPHj3sTe+9Tp06SbepZhn4qe5F1IyKZIG6ZN55553IfV7rJypFV79+/dxSWb/++qv9d9asWZGp4hQwUOAjjAJPUWmxHn74YbdkktYM0SyOsECPinkrDVjwppk6BQUF7lEAAAAAAABAzVJjAhVvvvmmWypLHbDBTj4vLVOYdGYcLF26NGlRa82o8FOnb7KC08lev+ell15yS2WF5f/ff//93VJZ6cziUK2BqJREqvfRvn1714rbaKONbFAojGaqqGB0vtFo+o8//tjWoohKuZQuzbBQB7U/YDN48GC3lEizVerVq+daZWlGUFQAJZNAhfZhBSaiJEvXFAx2BQMXfprpUB5jx451S2WpvkMUBXOUEkqzFIK3JUuW2MdolkKUYBAuKCrQqaCUZoGIZqREUTq17t27m4suusgGiiZNmmTvb9q0qTn33HPL3FQIvKioyD4GAAAAAAAAqGkKVubbMPcISqUS1amu2hXrrruua5VSZ6MK7IZRCp1ko8Dfe+89c/LJJ7tWooMOOii0aK/S/2hkfRh1Out1Ro2a1ujsLbbYwrUSaVT8t99+W6YjUyPRo1IEiQoqJ+t8v+qqq2zu/zDKrR/WUXznnXfaTv0wyu8fluZIHdzJCjtrvQRTUOl9nXjiia4VTsEbdVhniwpkK3ij16sAgzqly+Ohhx6ydVLUoa3gThjNvkkWQJCogIRmGSglkig4opkcYRRM089TOeuss0JTd+k1/vTTT6Z27dq2rQ71YEFpUcDsnnvuca24qGNPMzhUk8Nz5JFHhr7P4OPKQ7NIHnzwQddKtO2227qlcFOmTIk83yj9k1KHKfjgFfBPh45jPV4pplRnQynqAAAAAAAAgNVBjQhUqNBuVIoadcQrfU+Yp556alWHbpA6CpXrPorqB2ikfRilaQnLQa+0P8lGlmtWhYpSh9Hr1POGUUewcumH0UjsqA7Vyy+/3Jx22mmulUijztVRHpV256233jLNmzd3rVK///67Oemkk1wrkTq21bkfDB4o4BCVtqsiFLxp06aNa2WfAg3qbNfIfAUukhVP9tNsCI2o//PPP8s90yAZBXG89ZksUKEi3rvvvrtrRdPMCc1OCKMZGUpXtHz5crPJJpuE7i9hfyfdQIX2wbAaEueff365Cp77qVB2JoXl06Xgnpd2TUE7Be/KQ9vx1FNPtQG3sBRgAAAAAAAAQE1RIwIV6ohNZ2R4pqJmHGg0da9evVwre1QAWKO8g7SJ1KGdbkd4upLN4lBtAHWSZps6oYNBpXwNVASNGzfOjqa/++67IwM8nq+++srOIkmWDqwilGpL2zVZoEKzgqJmdPglC1opKKWZN8lmC40ePbpMcCqdQEWyGScqgq3ZFhVx9NFH2/ow2aaAogKEHs3aCDuu07Xlllva4IfSQgEAAAAAAAA1Ud7XqFAtiVdffdW1siuqbkQ69STKQ6O7w2pj/PDDD1kPUoieM6puRLJ6GBWRTm2MXNKMj/vuuy/0lirVU+fOnW1wRwGuqBoGnn/++SdpDYqKKi4udkvR2rZt65aS0+uMqtmglFAKpEXNLlIatPKm3/JqSYRJ5/2l4i8+n00qKu6nfWLkyJF2BodqZGRK+5NmTNWAmDIAAAAAAAAQKu9nVKh2QVT6oooKm3FQWbMbPGEzDq644grz9NNPu1Z2hc3i0Eh/jeKuLBpJ7+8kr04zKpTu67LLLnOtRIccckhk/Y0gpUJSuqOotFsDBgyw+5HSJYVRCrBkhaxTUb0ISTajQvuwV18iFdXlOOqoo1wrkdJYaRuG1Rl54oknzC677OJapdKZUaFgRFSdhrPPPtsWoq4IzXyISv12wQUXuKXM9enTJ+nxM3nyZDsDRSnDPv/886T1WfyeeeaZSkkVBgAAAAAAAORa3gcqKit9i2fQoEEJRY01qn6//fZzrexT57Q/KKEZFuq0TpVKqLxUN0KzKvyj+9VRHFb0Olv69etnTjnlFNcy5sUXX7TpgaJMmDAhNJDxf//3f24pnGoYNG7c2LXSo8CUin6H6dSpk+1gTpc60vXewigdkGYpdOzY0d2T6Oqrr05ZLDwd2QpUJKtBoaLcYTMqtG9pNlDYzIV0a1T07dvXprEKSqcQuOpnhBXL1jpXQEo1arQvhtE+V1hYNRPOFKjQ/q1ZTCrWHkWzKjQrAwAAAAAAAKhp8jpQofQ5vXv3dq3KoaLZ1113nWvFC1BrZHNl8s84UKDkjDPOsMuVxT+LQ7uDiiOHdQ5ni2aqZBJcChvNv9dee5mHHnrItbJn7NixSWcy+Aslp6KC6lEzKgYOHGi22GIL+z7COqeDHfZhFDRQ8fKg1q1b26CKZCtQIZnu+4cddpi57bbbXCtRuoGKZEXrNSOhQ4cOrlWWamaEBZZU20I1LvS8ev4wKiC+/vrru1Y4bVvV0QjabLPNbJDj+uuvd/ckUmHysNetY0+Fx6OK5v/nP/8x999/v2sBAAAAAAAANUdeByruvfde2+EYZttttzVnnXWWayWnUd9RMwj8Mw4WLVpkunXr5n5SlooohxXfDnPppZdGpo/yzzhQp+qwYcPscpBSXqWbHuj555+39QTC+GdxqPM4qr6C1sVjjz0WWnw7SOsqqhNYgjNVkqnKQIVmDihtz4wZM9w9Zb322mspU2OppsVNN93kWmWNGjXKFkfWe4jq0E61jvr3729TKwX5izlnM1ChwMChhx7qWqlpn4raP9MNVKhuS9QsgmAQ0S/ZzCcv2KR9dPPNN4+cJZJsxsakSZPM1ltv7Vql/LNItO3C9qNbb701svC4bLDBBqGvKZPUYwAAAAAAAEA+ydti2iUlJTa1SxSl71FHYjq3ZB3q6jD0RnR/8MEH9t8wmiWgztew5w+7qdMxioIKos7QqCCFnHTSSaHPHXZTLYoon376qZk6dapdTlaYXJ3Uyr8f9vzBmzp6FSyKog7o6kgd91qvyahAtNIyKYAyffp0uy+uWLHCLr/11lt2XScLUqiTXEEKSdZhfeaZZ9o6G0HqYFddkbAghTrKk+1bFdGrVy/TqlUr10pOr0MzcypK6bH0XGEUSAgLVCoIpALWUbQPS4MGDSLTh+mY1zrWug5S4DIqmKfgqJfqqnv37vbfoHvuucfMmjXLtRJpRk9YkEKSzR4BAAAAAAAA8lneBirUgZssPVEmRWfr169vO5+jvPLKK/Zf5ZCPojQ3mdhzzz3dUlka6a5R2UoPFGX77be3KX7SpToXyTqZ33zzTbNw4cJVQZIwSj2TiWS1PBQQWbJkiWtVL0cccURk57hHNQU0y0Prda211jKdO3e2y6effroN/CSjAIRHAYuoznLt3wcccICtw6IZP5qloZk4mgUQVntBNBMn1Wsvr1q1atnXk4599903o9kaUdTpn6xYvmZVaXaL1sudd95p37+OragC1QriNGzY0LXiNW6iaB2rRoZqQyi4oJkQOk/ovUU9v3/mT9Q5yNuuOuaUOkpBLgVXFHhKFmTyAiwAAAAAAABATZO3gQoveBBGQQMFHzLh1WgIo9HVSiWTrJByst8Ps+6669oUL1HUkZ+sHkC6HcaeoqIic/DBB7tWWc8991zSGSNKaaWO+Ewkq+Xgn6lS3bRo0SJloebyUlAiuB7PPffcpPuC6nkoHZJmaWg7RY24VyDqv//9r2tVDqXcSkemx0MyCv4oMBdFQQOtF6VFevfdd929ZWnWU7D+g4J9ydIpKXWTApS33HKLGTBggPnmm2/cT8pSii1vpowobVtU0EjBSAWsNtpoIxvkUnBFqbyiUo5tvPHGKdONAQAAAAAAAPkqLwMV6qh98cUXXausZCP5oyhNUbKR6BqtHUUdz17x4kwkm8Xx8ssvR47alnQLOvsl62RWx6kK+UZR2icVCM6EOvyT1dBIFmzKta222iplMetMKYB2xRVXuFapJk2a2Jks6kgvLwUpNAOnefPm7p7KoX09VfonHUdK/5UtmsmhItJdu3Z195SPalOEHeOaxRBVwDpdmvVx8sknu1acUks9/PDDrlV+2i9U7yPT4w8AAAAAAADIF3nZ8/X++++7pbLK20mqFDPKhx/l888/d0tlJZupkEyy9E+LFy92S2VptLo6tzO12WabJS32/fPPP7ulsso7Qj5Z0EgzKrzaGNWR3rPqUGQ6kyRIsyUUBNKofM1sCaPOf9VcSbc4up9+V0Gftdde291TedRZnqqgtmb7KLiQTdrfNcsoWU2PKJqNoDRLmsUURcXHb7zxxqTByiiqh3HZZZe5ViIFQLVdUwV3ouh4VVC2vL8PAAAAAAAA5IO8DFQoFU4U1Rcobydpss545ZGPkizgkIxmYWy66aaulb7999/fLWWmoKAg6SyOKBrJvv7667tWZnbZZRe3FO7rr792S5kpT6CmPJSWRzMVVPxbBdoz6cjWetOIegXWdt9995Qj4tdcc007cl5/T7URUtH+o7RFWoddunRx9yYqT8d7KqmCVuUNaqWiGTqqE6H1k04aJHXyq67H22+/nVawSfUqRowYYS6++OK01puCJqpHolkyOraiqKi40sZdcsklac+a0fZXjQz9XrLgIgAAAAAAAFATFKyMccsAUli6dKmtU6C0XFOmTLG36dOnm5YtW9rAgW4dOnSwN92XrAM7lVmzZpkJEybY4svjxo2zs2zat2+/6qZASNQMjdWB1o+CNN42KCkpsYXNNbNE/7Zt27bc6ZKWL19uJk2aZMaPH2/Xv5YVHNP2VUBJAQdt3/LQc6lYvl6/bvPnz7cpu/R627RpY19/x44d3aMBAAAAAACAmo9ABQAAAAAAAAAAyBmqswIAAAAAAAAAgJwhUAEAAAAAAAAAAHKGQAUAAAAAAAAAAMgZAhUAAAAAAAAAACBnCFQAAAAAAAAAAICcIVABAAAAAAAAAAByhkAFAAAAAAAAAADIGQIVAAAAAAAAAAAgZwhUAAAAAAAAAACAnCFQAQAAAAAAAAAAcoZABQAAAAAAAAAAyBkCFQAAAAAAAAAAIGcIVAAAAAAAAAAAgJwhUAEAAAAAAAAAAHKGQAUAAAAAAAAAAMgZAhUAAAAAAAAAACBnCFQAAAAAAAAAAICcIVABAAAAAAAAAAByhkAFAAAAAAAAAADIGQIVAAAAAAAAAAAgZwhUAAAAAAAAAACAnCFQAQAAAAAAAAAAcoZABQAAAAAAAAAAyBkCFQAAAAAAAAAAIGcIVAAAAAAAAAAAgJwhUAEAAAAAAAAAAHKGQAUAAAAAAAAAAMgZAhUAAAAAAAAAACBnCFQAAAAAAAAAAICcIVABAAAAAAAAAAByhkAFAAAAAAAAAADIGQIVAAAAAAAAAAAgZwhUAAAAAAAAAACAnCFQAQAAAAAAAAAAcoZABQAAAAAAAAAAyBkCFQAAAAAAAAAAIGcIVAAAAAAAAAAAgJwhUAEAAAAAAAAAAHKGQAUAAAAAAAAAAMiZgpUxbjkvLViwwPz666+uZUynTp1M27ZtXQtVLbg9evToYWrXru1ayKbvv//eLF++3C63bt3arL322nYZNdf48ePNtGnTXMuYLl26mBYtWrhWcqNGjTKLFi1yLWPatGlj1lprLddK7t9//zUTJ050rcTf9f+sXr16ZpNNNrHLNdWff/5pZs6c6Vqp1a1b17Rs2dLe6tev7+7Nf5zrq5elS5eaH3/80bXSo+NVx7L2zVq1arl7o/3+++9m3rx5dpnPnMwVFxebkSNHupYx66+/vmnSpIlroaL0dUbrV+foSZMmmcLCQvudYJ999rHn4fLgPJf/15q6ZtK1k6dnz55pne+AqrQ6fb5yXq052JbVS/D7evfu3U3Dhg1dK3NLliwxP/30k2sZs95665lmzZq5FlC58j5Q8eabb5rTTjvNtYw5/vjjzQ033OBaqGpvvfWWOeWUU1wr3t58881dC9mk9aoPJNl1113NU089ZZdRc5199tnm1VdfdS1j+vXrZ04//XTXiqZOhmBQYpdddjFPP/20ayV38cUXm2effda1jLn++uvNCSecYJcvv/xy8+STT9plmTx5sluqmQ444ADz9ddfu1ZmGjVqZA455BBz+OGHm4033tjdm58411cvX375pTn44INdK3PHHnusOeKII8ymm27q7ilr6623NhMmTLDLO+ywg3n++eftMtKjjqiddtrJtYy5/fbb7TpHxf3222/2c8ofCPLovnbt2rlWZjjP5f+15k033WQGDBjgWvHjkAAhqpvV6fOV82rNwbasXi699NKE7/YPP/ywHaxRXp999lnCdar6AvzXsUBlyvvUTxqh5pfncZe8V1JS4pbiqnJ7/PzzzzZo5d38Ef6ajv2+Yu6+++5V+80tt9zi7q1+9EXG76uvvnJLyYWNtB48eLBZtmyZayU3bNgwtxTnfx25POZzIfh+M6GRR0888YTZfffdzUMPPeTuzU+r23av7iqyX4q+2Oy5554JHXrJVPTvrY6CxwjHTHbMnz/fHH300aFBioriPJcoH98/5yrkm5q+z3JerTnYltVLtvtFg88HVCVqVKDGmDp1qp1h492mT5/ufgIk9+67767ab4YMGeLurX623HJLtxSnQEU6FxGff/65W0qklA6pTJkyZdUoL9GsgG7durkWyuuaa66xI1WA6kSjj6tzsBYI0ixDb8S/RyM6NepPMykKCgrcvQAAAACqOwIVAJAn1l13XdOqVSvXio/QHz16tGtF+/TTT91Soi+++MItRRsxYoRbittjjz1s7m/EPfLII2bo0KGhtw8//NBOk73ttttMr1693G+UOv/8883ixYtdC8iebbbZJnSf1O3jjz82zz33nA1IhO2Xd911l83xD+QD1V/yu+eee2z6CZ17NcuCunUAAABA/qC3CVm111572VzB3m2zzTZzPwGQDTvvvLNbikuV7kLF+YLBBk9UAMMvWI9hu+22c0txV111VcIxv7qNXlXtDxU1D7tttNFGdlTvkUceaWfr3Hnnne634jQK+Ntvv3Wt/MK5vnpT8bywfVK3DTbYwOy44442XY72y8cee8z9VqkHHnjALQHVW3A2xd577+2WKo7zHABkF+fVmoNtCaCyEKhAVtWuXds0bdp01a1WrVruJwCyoW/fvm4pLlVh52+++cYtxflHUCvIoUBGMsFUWME6GfXr10845hHtsMMOs0XM/X755Re3lF8419ccqk1xwQUXuFZcOrOtgOpGgeN69eq5VsVxngOA7OK8WnOwLQFUFgIV1djChQvNn3/+aTsT1Wnwww8/mBkzZrifZmbFihVm8uTJdvSuOi71nHPnznU/rT7UaaqIvF7fd999Z2bPnu1+UrW816H1nqoQkWoEjB8/3q5b5fzXes5G8SG9huq8rYJUmFnrTOvhp59+suuhoqZNm2b3Az3v8uXL3b3Vl+qkaB/QDAbtE0uXLnU/yZ6tttrKLcWlqnPgr0+hfN2nn366a8UlC3TofPPXX3+5ljHrrLOOad++vWuVn4qfevuKXt+4cePsOaoiVNBN61zHi2pqVNeCbsHtp9ecK9o/9fd1jKlg+q+//lplqagq41yfrfNFNvfPXK7jTBx++OFuKU4p5bJV0DOb1zJ++szR8+pzUutXI+vL85p1rtDr+fHHH+1zqfaPavNU5TlEf0vptvQ+dE7XOtLnSb7S8ewdQ8OHD7fpmRYtWuR+Wj2prpk+v3/++Wd3T8VUxmeSnuPvv/+261XPq3NTRa+N8u1aM5u07rSNtI/quC/vOcRP53yd57WN9G9V18vTNtTf1fbUa/jnn3/cTyqmss7j2ZSr7wz6TB8zZsyq4ygbx2Umcr3PVbVsXz/q8177s9afvr/OmjXL/aTqZfI5pGtVXbfopuMz3+TL97Yweq25vm7MNb1X9fVo++n7TUXPe/pdXd+oD8W7xvHXyKwO8v2YyzcFsZ0sr4+o119/3Zx55pmuZcxxxx1n/ve//7lWZi666CJ7sepR6oONN97YtRLpC/Juu+2W0Hmh19K6dWvXSqQvaHq8p2fPnmbAgAGuVUofUE888YR59NFHbf75MOutt57ZZ599bIdjgwYN3L3h9MGrfL3vvfeeuyeR8t0r57xypWcjj6/Wn9aj56mnnrJ59f369eu3apT2AQccYEdy/v777zYv9qBBg+z9firee/zxx5tzzz3Xjt720/MrR7zowsV/0az31qRJE9cyNl/x2muvbZeVv/jmm2+2y6KOgaKiIvtl2stv7Hn//ffNJpts4lpx+iKgx6mTVyfSIHUIn3jiiebQQw9NqCmQii5M9H50kg6enPU8++23n93f27RpY4tFeikPNEr76aeftsseXWz5O6WVJ793796uFU4ftBdeeKFrGfPkk0/aVCFR9KGs/VjrIOyiSqMbDzroIJtiJN39Sx92+rtaB8EvQZoNoBH9Z599dsp9Pxl1AOl1efyd8aIOeY+O2/79+7tWIh3/Wu+DBw+2H6phx+z//d//2ffftWtXd0/F+be9aD/s2LGjayVSrnrv/R177LHmsssus6lfPCeffLK5+uqrXSvRBx98YI89j96LikD76TypfPeidDP6nTD6QH/hhRfs44OpOjyaMnzaaafZ81s6KaR0kfvMM8/Y85u+rPjXv84bKj6+++672/WfrZRUOgb9qbRUh0IpntKl41vpsjyXXHKJOeecc1wrTp8vGuXuBbqOOuoou16S0flCj/Ocd955Cfu4R0FUvWadv/T5EEb7vzqudQ4LnnM9VX2uj5Kt80U2989sreNMKKCizxuP9ntdS6RLx1KHDh1cK06v3X9No3XpfS4pBdyLL75ol8Nk61rmtddeW5UyTa9Pf3POnDl2H3r++edDn/s///mPPU+l+szRFywdjw899JC7J5H2R31m6vooG+kM1LHiT92nz2Qdo/r72vfCvpApsHnSSSfZzyGNXAzyn39F+5P/nB1F5xalbPDOMS1btrRpwCpCx/b9999vi1tH6dOnj33P2vfLe07W15ZDDjnEXn9Iss/vfffd11x88cV2+dprr7XHpWyxxRZ2HxJ9Zt19990Jx6o30CKd85xfNj6T1OHp34Y6BrR9dDw9/vjjofuJ9s/rrrvOXhukI5vXmunQtZLet7e/adTtRx99FLpPizrqzjrrLNcqPfaj6H3oM8/jPw70nfDee++1y6L9VJ+x9913nz12KnIO8Wibad/X6w6rG6bto9ektGTZnPHjp+vQBx980Hz55ZfunlI61+pzdf/997ffVe+44w57f6r1WtHzuL4fvPzyy64VfV0SpHPRrbfe6lrx7+faJ8NUxXeGKNrut99+e+T1zCmnnGL/tjpjg8e0ji2/TD5fpaL7XC6Pyepw/ajrNJ1P9beDnyGyww472NfYo0cPc+WVV65KlatjyP89OVPl+Rzy076k40qd48HXrWNR+7y2U6dOndy9pSrjeKzKz8hc7rOeqr5uzJS2hf+aUK9Tn2fl9cknn9ht4VFf2rbbbms/F3QtEHbsZHI9om2pa0Zdy4Y9l+iaRNs9bL/W+V/9Gp7tt9/e3HDDDa4VTUGVY445xrXi1zZRfSEVOeZQMcyo8FHnsnZA75Ysf7s6gXVh4H98spHJOvn5HxvW+asvqptuuqn90Iq6IBT9XV1k6guvDp4o+pDXF9GoIIXook4nHQVOXnnlFXdv+Wk0i/99ho1y0AeT93NdBL/99ts2j3vYhYdoXajDR48JFvjUF3/vuYIXqGp7P9PNH1RSRNT/M33x1UWCOgP8QQrRh6qfToo6SesCMSxIIfpSd/3119sAhy6gU9Hf1+N0ItYJO+yLqN6PconrokkfzKkE3386oxl14vb/TrLIuF6DLqb1uqNGfuh9aF/V4/QlKhn9LX2hVHoc7bPB7Sk6jvRhoQ/diRMnunszpwtU//sM8v8salSrjj1d4HkX01HHrC5o9MGpix//PlgRu+66q1uK0zEVRiPp/O9P20FTc/Wh6km2XYLnNAU9grSNvXWl/SAs9q0vVNpvFfCJ6gQWXaDri506lxR4TEb7hxd4UYHg4PpXWxdYCgSow6W6jGLXFy2/sM8CXbj5z23pjO7SvuU9Xrew9afOeH3J0sV3VAe66Pd1LKqTNFio1lPV5/qgbJ4vsrl/ZnMdV6WwWYDl7VDL5rXMH3/8sWof0rlGbT3+4YcfjnxufYbrmibZNZy+eKuTIOrLpuj5dX7UdZT/i1C26BjSc990002hn/mic7ACxDp3h3VaKEjqrR/dwuqNhNE503+O0f5fXrpG0pdjHbfJghSiTlR1OOkLotfZkCntq3oe77UHeffrpvOOR5/l3v1al/qs0jGojoioYzWd85wnW59JOlf5/6bO/6pzpAB31H6i16/znDq6kqmMa810qENJA4e896RjX51IUfzbVzetz2QzjD7++OOEx3fv3t39pCyNhNS+qmO/IucQ0b6vzk5d47300kuhHcai7aOODH0niPreUF767FfHjPa9sCCF6HUpkKDOpeA5NUo2zuMaoOPfLnrOdGhd+n9P2yKoKr8zhNFniLZ7susZBTG8QIX//YR93qYrW/tcLo/JXF8/zpw5034G6Zyq5w+j73UK8mjd6ea9lrD9LBPl+RzyaJ9TsF+d7WGvW9tQndTqdPXPpvdUxvFYlZ+Ruf4cqQ7XjbmmY/HAAw+0nfpaR2HSvR7R49QfoevHqOcS7TfarxUACvZZdOvWLWGb6TMunf4ufWb4fy84INlT0WMOFUOgwkczC/x0woqiqFpQ1AWiqHPbL9jRqIh0MEd0KrrAVCdpGHWi60ImExrVqy+uVUkj+DWiOx16vzfeeKNrZZe2ZzBqHkYjO3VRnMmFyuWXX25HIyWjda/Hpeu///1v0g61yqaRFXoNwYuMKHpcsi9RmqGiDz7/qLdkvJGp2f7Cly59edUHl74EpUsXerrwShb8SZdGXvmFnY8kuL71mkUjhTz64I3al4JppYJpi9KhixqNnk13XxFt1yuuuMK1ylLHrr6M6II2HQMHDrSdx/5Oq1zQfuv/YqCRN8GaI5VFnRnqqMjkmNF5Tp2k2Zjems1zfTbPF9ncP3O9jitCKT38gjMS05Xtaxk/dS5o1my6n30a9RjWGa7zZaoZSkEaJZjul/p03XLLLWlfc2kdKTAefO86p2uQjUfn86iBA37Bzp6DDz7YLWVOx6F/BF86dO5ON6hSWTSiPt1zSCqV+ZmkEcLpfgHWTGF1REfJ5bWmArx+we9FfmE1cpINBvMHVPS5Gtax7cnkGj7qHCI632ukaTrnLo8+Z9SBk8m1YzL63NDsIu3L6dDnljpzU8nWeVzHhLaHR9ekyToKRR2d3kh60TkuOGM4198ZNNsm3c8QdXTpOMqGbO9z1eWYTCWb14/qWNxxxx0T9rFkjjjiiJQBhIpI93Po0ksvTXuf0zbXDNtnnnnG3RNXWcdjOrL1GZmrfba6XDfmmgZdpnseTXY9ogCX+oUy6U8TfcfyDxTTrO9gn2o6+5jOy37+rDeebBxzqBgCFT5Kh+L/wqcPdV0MhQnrcE32oaf0QR6lw/GnXtGFR/AiRh8EOrmp0KpGRasTQSP+g18mdTAG84+qI1Sj+f00bfKdd96xz6ORBopA60tyMC2RpmpVJV0weLz3rBOgLjTUGazX7acPLuXf9OgCXRfdummkq59OGN7PNKrdnw4gKHhBrvWi0eMKXnhTv3Wh65/6KPog00gmBbW0bhXp1QWS/0JANFI3eFL0aBsGRyFqKpki9trP9LzadtqmwefNBV1seKk4PNqndaGlY0DbTvuXRlgF9y+N7gnrkNO+6P/g0/vUCBNdgGgkkv5Vmgz/+9eHgrZbcMZLOpo1a7Zq39DNf9yL/2eavumnER5h03714altrNHZ2m6agu8/zkWdQ5pCXFHBgEHYxZho9IhHUzD1vkUzgvzCzmc69/k70fT75em41BR3f0eHtqH2H13461yk/fvdd98tc6zr98IuhnS+VGeL/+JG+58CsxqB5Z0r1bnjp867VKM7Kov2GY3GUAeJn0bbeNuksun9B0fHaj/WtldOUB23WvZPexbdr4vtiqroud4vm+eLbO6fuV7HFRH8bIsaXZRMtq9lgrQNta5E52xNFde21n36EqlReH7arkoPFRTsFNA0dU1h12wnjXDUeU/t4LR17T/lnQWQivYvzW7VbF3tR+r4D54v9D51zaP17FHKSs3e8Yu61vBotJn2X49SnGaSvs5P60ozQvyUgk7bWMe8tz71foLrs7yBCr1n/2e0rpf8/D8LrkOPjm+dM/z0OaIvvGeccYa7Jz2V/Zmkx3l0Lam0IXpO3a9jIHidpXNfmFxfa2rEoZ+X/iRI32HCvk/pNYZRh4f/WkUd2Bp5m4rOIRrUVZ5ziGifDr5Ofc/QtZ86+nUt+MYbb9jr3iClTYmaRZYJHUPBjjcFNJXeRZ+f2s91LtOMrHRl8zxet27dMseg//twmOAgQZ3zgqr6O4Of9pPgiGqdQ3W8q99A5z1dv6Qz+C1T2d7nqtsxGSWb148K8gQ7R3Wdphkb2q/1nnRe9b4Xar+pLOl+Dum16Tj2U5+H91mgzxldQwY/C3U+81/fVtbxmEo2PyNztc9Wx+vGXNOxVN7rEfWFBPcHffdS/5H3fUnntGB/i45Hfc74BffptwKZUYJ0HvRfV+n3g9c82TrmUEEr81zsy9bK2IfJqttll13mflI+sQv0hOd777333E9KLVu2LOEx/tvEiRPdo0rFTmAJj4l9KLmfxMUOloSfxw6YlbETrPtpotgF1sqTTjop4fFffPGF+2ncjz/+mPDzY4891v5emNjBurJr164Jj4/62+mIXSAlPFfsos39pNSee+6Z8BjdYh9EK2MfZO4Ric4777yEx8Yu1NxPEn300UcJj4t9QLmflKXn8D/Wu2ld6D0Eaf3FLv4THrv99tuvHDdunHtEothJduVuu+2W8Pi+ffuWeY9a13oe/+OOO+64lfPnz3ePSKS/t9NOOyU8XrdjjjnGPaJU7OIi4TFqpxL7QpbwO7ELPfeTUrGLlITHaP+aM2eO+2ki7fuxC/iEx7/55pvup3HB/V/rKXaSdz9NFLuQWLnvvvsmPD72YeJ+Wn7+baX9M5nbb7894e9rn4l9aLqfJlq0aNHK2BeGhMfrFnaeyJTWk/85Z82a5X4Sp33Nf2zfcccd7idlz2GxC0j3k1LB/UfvO0zsQznhccFzjfYP/89jFyHuJ2Vdd911CY+NXfS4n5SKXdgmPObUU0+16zmM9q3g+S32Jdr9tHyC+5+OR73HsJvOGb179054vHd75JFHVhYXF7tnTTRv3ryEx+pzKZWxY8cm/I7Wk9/DDz+c8PPYF1v3k7JiF2IJjw07v+TqXJ/t84W2k//nFdk/s72OMzFs2LCE59PnSDrmzp278pprrkn4Xd3Cjnf/vqzrlKBsX8vIDTfckPAY3U444QR7jIR55ZVXEh57+umnu5/E6fX4f67zQ9Tn7eLFi8vsP7EvJ+6nmdPnqf+5vFuy/eTFF18s8/jgPjxlypSEn+szN9l1nH7f//jYly33k8w99thjCc8V9Tkh2td69uyZ8PglS5a4n5bfEUccser5tI9G0b7g/9veTddgP/zwg3tUonTOc9n+TAp+9uqm81zU9Wbw3K/nD6rMa81MBK+Lp0+f7n5SauTIkQmP8W7ad8IEt1HweizsHKL3rv0xTKpziOh6K7gdTznllMj1+fnnn5d5vK6dKmLmzJkJz6db8HPfo+3fr1+/Mo8PO16yfR7XZ6r/5/vvv7/7SbjgZ3JwO2X7GiATer/B59P1sz4rwrz66qsJj/VuYdehqT5fK2ufy8Uxmavrx6FDhyY8Rutn+PDh7qeJZsyYYfdV/+N1q+hxm+nn0IIFC8p8j/7mm2/cTxMtXbrU9oP5H3vFFVe4n8Zl+3jMxWdkVe+zubxuzNSFF16Y8LcHDRrkflI+YdcjOlfpuiNMOtcjwf4J7d+6jo0S3H+C15m6jgzuM1HbRx566KGEx+q84JftYw7lx4yKgGD6p2DqEwnmk/ZH4cKmlAWnbMdOsG4pTkV4/RR1jhp5oMJCmsLpFzsY3VKc6gz4qahRVNE+RTCDI2cUxaxKGh2h0R8aJRdG68NPkdbKoFEpirSHFWxTBDUYhVek1SvOHaRpkc8Epn8pJUMwt55G2PtHiigSrYh01Gg2/b1ghLcqaeSKf3/W69RIHtU9CBM7YZcZLRI8HoI5HDXCLaqA4RprrGFHSfppJHBF8r1mQlNkg6MD9Pc1jTiMCrppNEiwoFaqVGDp8KdvEv/oMtHoDv9IIP8sChUeU7Fmj0YnxD4PXCsueC4Lq0+RDv/+LclmNik1lp9G7/lp9IV/Srf2L00tjSqcp1HCXqE6T7opEtKl9axR9GE3nTPCzqcaIaLRdoWFVfcRrBEgfsm2g0ZzxS7SXCs+7T4bsnGuz/b5Ipv7Z3VYxx6N8lK6ubCbRiNq5JJmdijfrs7hfjqulI4qU9m+lgmjzxydgxs3buzuSaTRxHr9nuD1UDCNgD6roz5vVaMjODI1WGOmonQeCM4G9TvssMPKpOoJnsNUlNW/LnWeTLY/BdM+xb5Uu6XMBT8nNLMwimbkBa9/c53yTNd7OlcrF395VNVnkkaQR11v6hpf6es8+twPrtfqcq0ZvL4OG92qEese/+hMjVIM+0wIjprV50wy3jkkaoZoqnOI6LrOf32lc71G3Eatz759+5Y5z2r9pkq7kow++/x0rogaxa/zsNIVBUd/hsn2eVzXv/7PQp0zvEL4QXPnzrXHo0cj5YPbKZffGfQdboQvhZK+Q+v5ouo5aV8qz2dpmMra56rDMZmOil4/6jtOMNuEskj07t3btRK1bNnSniOrQrLPIe3f/pHnyuLgrzPoV6dOHXuc+68tH3/8cTvi35Pt4zGVyviMrOp9trpdN+aaznlRBdPTuR7RtYj/XKbPLV3HRvH3V0iwRqBmCgVn+qi/Ksobb7zhluL7RjCddraPOZQfgYoAncD9JzR1UAf5T34qSLfTTju5VngKFv/JT88dLFrYvHlzGyzwbqlSLsyZM8cthfNfYIsuVMJO4h51vujiS7ePP/448uRTWXTRGRVIkWAV/WwXRPMod6t/2/tp+pmfvoynqu6vvHkqEOQXnEIe7EzQ86YqYNq+ffsyqR6qij+VkCgtUtTFhkfTNHWC17GlW4MGDdxP4hcw/g52XQSl2v+13v3pmPSBFzXFN9s0TddPH0zBL2lB2reD6Z5UCLaiwRV9CfELfrn0n4t0QRW8APYHOrQdgnkkg+cMbbvyCOYy1bRIpR4JozRIOl965yN9+PvpC6L/4kb7QaqLZhU0819gqNBWMChT1dRJonzJwW1WmdZcc023FKd160/REKQLLf/nQjZU9FxfGeeLbO6f1WEdexQgUyAi7Kap6PqioaCF/3jyKG1fVCAgmWxfy4RRagD9nSjav/x/d+zYsW4pLvgZr0BjsvPx9ttvv2ob6aZ0ANmUTv5bfYnzfynW51DwfK1iy35KfRFGX/D80+LVkVaR9HMqZOht74svvjjl9UuyQpu5oGKqCtyXV1V8JumzOlVH34YbbuiW4tQZ41ddrjWDgapg55D4rz3U4ePf9/3fv0TrzX/u1GeCOi2SUYemOiGjpDqHSPB1az+K6sz36LticDsGg4aZCKZsCXbUBmlgRDCNRpjKOI8rHZyfCpmGCa5XnZ/8cv2dIfj69Fma6vyRLBCdicra56rDMZmOil4/KrXPz750LwoyBfevIAXAooJ/2ZTsc0jp+Dy6ftExmYyeJ1jDROlL/bJ1PKajMj4jq3qfrW7Xjbmk65FUAxdTXY8sX7484TNGfanJpPMZE9w3oz5b9Z3M35ejoErwPFoZxxzKh0BFgCL1/kitDq7gKEn/yU95P/0jlXVC8tNJzB+N1si14Cha/T1Fm71bw4YN3U9K6SSqD13VWlBxl2T0xdF/QhblEVUBLnVMBDtONBpeJxXdgjn1q0LwhBakCxP/+1m2bJlbyh51wgZn0/j5R6JJqpOW54QTTnBLccHnUT5RP42ISsexxx7rlqpW8FhI5/Xqy7ByZuukrdvVV1/tflJ2pJpGtpSUlKS8BSPbYaMjKkPw/au4Wzqj4hWt90fbJThCI1PBdRAMpvlng2nGR/AiOHih4f99XVT6vwxq9LdGDZRHcKSC9gUdbzrXaSRPMHenRvx556MWLVq4e+OCHQYaDR62fwRvwaBORde9n74EarRH2E0XX9pOweCx6Fygz4OqClYE9xfN8NJ9+qKtgLxGTvmpk8rbDsHO/PKq6Lm+Ms4X2dw/q8M6rgh9cdeIS33JKo9sX8uESdUpJf59KBiI0Xkw2HGjzyQFDpV3XF9A/V8+9XhvG+mWjQ4Xj84RHTp0cK1oWo/BzpLgZ57O5/7zjGbNqDZOUPAaNd1rjijqdPC2dzC/tEdfSrVeFbCvSMdstikHeNRI7HRVxWdSMOd1mOCxpnXuV12uNbt06ZIwmlf7o78DasWKFQn7qM7Puv7wBAeDaaSqf+SjOrhSSWf2TLJziF6j/1pex53/NSZz6qmnuqU4fUaUh7av/3f1ORM148Yv2MEXpjLO4yqK6+cf0ernPz9oGwRra+T6O0PwO8Dee+/tlqJpAEOqQGMqlbnPVYdjMh36/E0m1fVjcJurXyRVoEf22Wcft1Q5kn0O6Tj3b3fvcyNsH/ffggPLgrVJsnU8pqMyPiOrep+tTteNuZaN6xFdx/s/Y6KO7ZkzZ9qBNekECzUI3L9PKNgQNks7OABdQSm/yjrmUD4EKkIEO6xVlMujk58/8KCitv5pgzrR+S+klBrCf5GbrDPcoy+XGv2k9DD6EqgR2wo+6G8p6p6KAg9hj1N6F42m1AWbThL6cHzmmWfKRDqrkjpGUo3IrwrqyE02UiOY7ksdTOnQtvBH4jXKVfuQx586RBcByUaK+gVHjlQV/5fdTF5vlOBFv0Yzq+Mm1e2II45wvxFXVYGK4AWXLpbSFfwgVqHeitB+5Q8satSK1zGlf/0jTMI6Hjt37pzQseV/fHDmSDDNVCY0mkzHuZ/OiZqOrwsEvQ59MdbUSqUFC17Q+AU7W3Tchu0fwVtwGnFF172fLlZV0DLsplFA6vhW0EfnEKVw8X+REq0f/zmhsuhCPXhBJurQPO644+y+pO2sUWu6MEwnDU8msnGur4zzRTb3z1yv4/JQ4EUBs2uvvdZOlQ4WKqyIil7LhPF/ESkvvdcgfTHRDBh98dR2Uget0mroC2hl0bpIV/CzJngO0yCb4Je5sFk6Oh95dP7XPptN+mKpDgKdc9VBpvWp40v/6pxYnZSn0yWoKj6TMrnOiFKdrjX9o0v1ncmfFsM/0l2vU8eif1CF9ml/h1QwlWg621Tn9IoIDvbKpBB9cFuWN9Vu8DWke17UgBP/dV86snEe19/0X0fqejWYGkOfu/6R3ToHBzuSc/2dwb9/6ho83Wua4DVGpip7n8v1MZlKNq4fgx2H6Z7btP9UpmTrJ7if6vM7uG+H3YLXFsH3nq3jMR2V9RlZ1ftsdbluzLXKyLqiII++I+u7krKbaJaD+ik1wFPf0dL5nFQfXnBmsfo9g/xBOW0z3fwq65hD+RCoCLHlllsmdCb585z5Tz56jHZMXSD6O6P9U6z9Jz89Xhd2UXRi1TRrnQR0Au7fv7958cUXbSeXP9iRDk3re/LJJxPeh59O6koNoIs8RUcVPQ5OhasKmeY6rCzJAg/Kraf15dFJLZPc8sEOai8/qFIw+LdrJl+eFJ3P9MtGRWlksf/DoqJf9iT4paO8glN8K4v/QkjSGcHmCX6RzEZneTAA4U1r9s+GkKjRXP7RdQrAep2wwbzjFenMUqovpShIlgddF8nKQXrooYea7t272wu/JUuWuJ+WCqY7Ka/gl76qoNH3SrOnCzE/BYqDKRwqi3IcKz1LFF10P/XUU/bCUJ9t+jzKViA7G+f6yjhfZHP/lFyuYz+NHtP5OtlN5yAFKJUe8qSTTkqZCiZd2byWCYq6psmEPpP1voNfUDx6jepsV30lfQHVNdKzzz7rfpo9wVRhyQQ7VbT9goI5el977TW3FKe0S/6BNsccc0xkvu9M6Av/Bx98YDsw9cVSX9ZVU0GjMavzF/ZsXENVxWdSedKw+VW3a83gqH7/YDD/9xDNVtf+GRwM5h8R7v9+pnNeOuuqousz2AGRSceNOjT8yrv/BK95k6WyCkq3gzbb5/HgLB6dM/yCOcWDo74ll98ZlBLS/11Q9S/Sle7gtiiVvc/l+phMJRvXj8F1mG7Kw4rOuksl2fk1rD5OeYQdN9k4HtNRWZ+RVb3PVpfrxlzLZr+d0rEp2K11qu2p2eca4Kc04/5zbbqC+2hwBq/63/R9zhNMgSaVecwhcwQqQmjKlj/vvL7Yeekf/Du4Ogl18lMUTycljz844Y/maYqonjtIX/I00lYjGaPyBIqmFWnEnIIL6dBBrwilRsGkyv+mEdQ6wJVzzx9lXl0ku4gMjqCNykkYJZgyx/v94HrOdFR1eVPxlFdw9G82Lj6zta9VpCBhJoJpYDLZBsFjP9P9KEwwAOGdn/wXbBqJFBVQ8aetkx9//NH+6z+HKQgbHCmQKc0s8mrlaERestF/utjTVFqNYg92xmVr5kF5LoCyRRevShnmFwwsVRaNhlJ6Fo2u1XTbYDqEIH0e6XMuONooVyrrfJGt/VOqyzpWMF3nnGS3TALu6aisa5nKoJkk+lKpLzJKi+kfbBKkQJKCT2effXZk/ZLyyOQzILjvh83sUTFCpZPyqOPBXxMiOOW9PPmmg5TOTNeO2p5R5zEFl/RZpfz42fib2ZJJoChKPnwmVbdrTQV7/Z1z/u9J/pQc3ghYBVbCBoMFZ45mK8VMKsGUMkr7kK5snXOD56FMnjdVnZjKOo8HOxZff/11txTnzwuu83PYrIHKugZIR3BwQibpXIJpHzNV2ftcvh+T6QgW9E03SF/RbZdKss+hbO3vYdeq2Tge01FZn5G52Gerw3VjTaFU9PoMUfrAqMC3votplrq+c6VDx5J/Now+v/yFt4PXwGGp+yrzmEPmCFRE8H/ZEy+PuP/k58+f519WYEMXEerY9dezCD6nRzMfdPNTdFF5P1955RXz/fff20iy8vsr/UQ6+eE8+oKhk64ilJrOpINW0cuo9A5KY6Jgxeom2ciY4KiLTCv5B6c9ekERdY75R4dmkjdfH/yVcRIMXsj5BfOxZyPqHFzvGqmslCiZ3tQhWBWCHf6ZTO0LPjYbM1KCnaDeTAhdSHmSpXIJzpRQZ6ku2vwzKhSETZYWLRNaf+qs0t9RcFQXKKrjEtYxrNkhGtni3yeDAUWdH8P2h1Q3TSvNpcrIZZnJhbBXLFNTWnV+evnll20HfVinui4gNZPgu+++c/fkTmWfLyq6f/rl6zquiMq8lqkMOq8pX7JG/ytIqwCvCokrd3XYF9BXX321TL7visjkMz84mjAq+Kwvz37+gn7+AttK+1DRuij6Qqd92j+AR3baaSe7ffW3NaNCs4i07vTYqNedC5pNVVH58JlU3a41ddz503Zo9KQ+vxS483/H8o+A9V/HeAMxgvWdkl3rZFNwm2cyI27KlCluKS5qdG4qwc7NZDNy/PTdVMdjMpV1HlfqHv/5SYFNb2axtr9/9GvU8ZDL7wzBdGlhRdajVPT7UmXvc/l+TKYjOLMk3XWYjdnvyST7HAru77pODNufU93829CTjeMxHZX1GZmrfTbX1401gdabUtH7ad2dfvrpdsa5amaqz1LfxTSbXd+10hXcT/wBLO1HHm1nDe4JqsxjDpkjUBHBn8tOdCLSyc87sYk/jZN/WZ0OmuoWTJ8SfE7Rl4DgBZMCCYr6KQqrAIgOJJ0YK0ojPVVETiknVDBTF6u33357mROrTgqrm1Tr139hp+2b7ug3jcDxf8lTWgT/KA5/Z7WeM92c5cELz2xJNlVNo3L8HXa6yEu3sPlzzz1n9zXd7rzzTndv2Sm1GqGkLz2Z3lq3bu2eoXIFgwuZdDAHU2BkMnU7ijog/J3eClBopJj/b4XVp/Doi5f/9zX99aeffnKtuLDzVjZom2k0w/XXX28vRjT6Vxd6fjrW3n77bdcq++Vc6Q7C9odUt4rmuq2obJzPg8r7RVhFz7SN1UGvTnV9WdFykD4zcq0qzxfl2T+j5NM6Lq+qvJapDHpdOifrS86AAQNs0EjbQ/uLn86x2QgsSibHbDBVSVSgW7Pk/KMMFSATTbHXF3lPMGd7eWjGbnDEtb6UK92BRlrrs0WfUTVZvnwmVbdrzeAsbwW79L1J51RRYMU/k9M/GEwdD+pw9+/PmrGTSfqjigh2vGWS2iRYyHj99dd3S5kJdrqm22meqjZDZZ/Hg5+hXtpL/7YUzVgMk8vvDHrPwe+C/tG6UbSv+mvElEdV7HP5fEymI5jyLN3P8eBgw6oU7EhVn0LY/pzqFnW9UNHjMR2V+RmZ6302F9eNNUGw/oj2Lw3s7tevnw1KKBNEeeqhSHCmkL5ziQZo6LucJ5gq1VPZxxwyQ6AignI1+4tiapaEOvajTn4ameYvlqUpZf4DQh0eYVFz5bz3nlM0Ek2BhGRTElNdkCoaqQtN3ZIFHfQe9GU1mMNNX2Iqe6pjvunatatbivO+/KcSzBEdHMkSHKnrH/GYTDqPU2oPv6ic6n7BouFBwfXgj1RH0Qj9iy66aFWgwv87wZotwSLOUfSBry9P3i04orOyBC90FYBJhy6c/K9RwcFsdeBsFyj6pVRvfsnq4og/bZ1eoz+Hufgv7DKlwJd3LtLNq6ERRkE8Xegpv7mf/0tCMNVVqv3V89lnnyXsL1WVKixK8Euriob5BS/Q0jl2/cXjgpQmxr8dknWuq5NTI58feOABd09cdcg1n+3zRTb3z5qyjsurMq5lKoOCsf7tFHWto2NQI670Wf//7J0HtCRF1YAbJQkSZCUIKHEBEVAQlSBZEBARRRAQEJAcRQRZwiqSoyRBQHIQCQouKDkIKJKDCSUjwf0lLQhL3H++nqrdO/dVp5nqCe/d75w5Oz3TO6+7uurWTXVLz9uxrpt5nM2niyBJhgCAJMsI4rpZyeOhr+OclPvgoPtVyVDLQmciYmRqGa0pyuYeNAZlTqpT12yHpZdeuiVJivaQyV1suCpL1sisWOQMOpXUVUIlHOpCr1ChT2eVPdPoPaq0Tl0Wnd3P3JWnA3j0SglN3XKcTGQZSPXlZuTKL3RaeY6k1zaDHkfaxgtBP62yAiJEN/rcII/JMugVhJSe0eV8NTiyKQvaKxgH0rdEv0UfKIKAI5s/+/7OvYbodDyWoc45slt9tp/0xkFHr3hBruEbkvJNUyWpB1+rTMQhyYznxQbqkqyVM3WPOaMaFqjIQdapw4Egd4pHedN1H2Xmss/A9GQJPx1hLYrAMVh8dDALlkyddNJJ6YtluUX1SFmKjxPGyEYuLwSiwa+88oo7CkNJkCOPPNIdNdFlP/QGrsccc0zq2M+DyZVnW4TOPCrKCmG1UJHiKyd5OProo1NFLg9dE1BmQHCNMqOfjfrKOOsuuuiitCyLf+VNcDHR2RsEXcos72NzLYneG6ITdPkmGZzEqCvaS0SvmDjllFPcu6ZRpvtRFZi4vSzipWughtDZEBK9OgSFkaW+RTAOfV/BaNNlzLoJJRNOPvlkd9REy18yh2SfRpnOg+DyWWed5Y6GQtCS8n/+OchVTVkULX/uBbHlRcz+OVzauF3q0GXqgNIG8pnrla8axiL6Xl2UcYIQZJBZsfTfvA1xWaouGTduXItDDSMuxsbp2vAuKutEUEZv0DnoDMqcVKeu2Q44vuU1oSf6muGgEyTIKJfOA8qHyKBXnt5QB3oTTlbeFUG5Cx34wdHWLltttZV716RIluDoKyrtW7ccx25mE38PgQaeowzEavkl6bXNoMcRulxovyAP9hFlYWJQd58b9DFZBMmlMtCE3iz9OiFwbvY6gUTumUrAq0yCHKsEkAe+v2fJ+k7HYxnqnCO71Wf7TW8cZBh3MhjO6raiMpxyv5Qy6NUSfl8RD7I0bxVrnWPOqIYFKnLQwlUq7KEsY/kZy+FlyR+iuiF0VnWeM5l6wAQeigQkGwxJqKOXB4EMmUnKRD4cluuXyVQsC1nncnJDyO66666ZUXWW1bNMGoHsYRMmPeH7JW4ezmcj1qy653y+xx57tAj5LPTS8DPPPDNzuT8GzJgxY9xRNptttlmLgo8CRyQ8K1jBfh6sppDoyVtmf8Jee+2VW0OZviodvWQt6MyFTsjLbGRJoM6opoQLWWghaBfkhl6lwAZbsWCJYRZlHKF5hnKnjlSdfcZkX5RVouv0U67Og1ySYwgFgsyFvBJk/E2ZdYeColcbdQsCDux5IGE8hfYtkCv2CHxjcIZgtQWZzEUyYZlllnHvmuO2yLmgnwOZV/1ATHkRu38OlzZuhzp0mTpYTJW9YP7Kmm8BR5xeORAzsYPA8rhxU+rmajCix44d646aMN7zZBjOPBlUp61lBnHWkveq6P278kpHYrQh+8roLoPEoMxJdeqa7bL22mu7d83yNHIchFaCSjtKOuUZj7o0Tt3oeRxZdsQRR6TB7xBkhO6yyy7uqAm6JHZBu3z3u99175rgXJSJJhJWVX3rW99yR9l0Q47LagVAP5TohCBNL20G9pqU2eWMd2zBkFOKz6i5Lu3rTuhGnxvkMVkETvnddtvNHTU58MADW0p6S/hct18v0H4DAlR5fQq/hNYZ1ltvPfduKJ2OxyLqniO70Wfr0BsZn+hy8kWJzuHOzDPP7N414Z7zSlGSqFM12Pv5z3++RU4ToJcbpm+44YbuXZi6x5xRHgtU5IADKUtAh4QfAyMEmxZq5c+jlyISkWNDa7kKAkOBLDSEsRSqHl1zVAptoBQUG/lQe17uZo9ywzI5XaNQZ2gPClr4nXbaaemqFjLemTA6iW4Stdc1xcmmx+nOvz5ggbBFuUGZ1bWbUej1RMsyQa04McmyAgfnpK9/yr8c87n+3SyIFuvsETbOkk51PsO4IcNf1zENQXa+VtzIHN5uu+3SZec+s4i2ZtkbfV8auji+tYFA/5MZUignBP34/3LS5jep/agnGB04aAc5PlGiCC4wNu66664hzhfuVUJAkn5AXW7+L9AOjDcMSbJHJPQj6TDolCxHN5TZX4IN97PKgHS6PwX9XT4v+gKrk5BJWjGhFjbKiFZIdCBFB9RQaMmCYXzI3yTgxJjTgTKtgHQKmT70y7wXK4+23nrrVEHWyg6rs0Lzgy4HRdYTWSE+KIiSjGxD3uvyfSF0jdmddtop7Zt6E06eETJBO0HyAmLdJKa8iN0/h0sbt0MdukwdEFiSBgzjEcc9wWTt8GFOY76Tjjj+75yqhm2nUFoFhwlzs78G5BfZfsyhfl4B5vQy+0vILEkJ8+8SSyzhjjpDr6CgryMPpQMCHYNsZnTmULmVujcq7Qb9NieFqFPXbBf6RCiznc9C5WmyyorpLPdugLzT45DSgOjYbDbtS8rwzJmbsCX1qqhOE1aoja7nHBwqzDs8O1ZHYPtgC6F7y8zhLLohx9F/pQ0tHZIEU9jTKY9e2gyMI8o2ShhH/A3kNckoJCkgBzfYYINSullZutHnBnlMloFnIud/+jJ9joAPco++S99GTvM53/eahRdeOA14ebgmni1JqNifOMWBf/FHoMPK5052uN6LVNLpeCxDnXNkN/psHXoj+h4r4eWrGzpwr8E3Jfsj/Rm/ikwSQ4ekRBi+Sx2ghaJSUAQl5Qo0aXfzLLL8tZ66x5xRnqkmSc/1AEKpBrIZPCyF1WVWOoHl8lq5R/ihjIQ2E8Oxpx2+OKnkgNGgdLGJjIbBhMMTQ68IrknujL/ffvtl1iL1TlK54sPDwMK5LwVyFcggRUn2oKTpLFFKavmJkAizLJGVBRkgXmHAgGJZlQalPGsCAhRuhA9gOMvAA8s7y2TY4KRiyXwI2i7rWaEYowiFYAgSSadsSIi83/VghKCQa1gupx3r4Cd1rYTxufws1C44SHG6omCEyLpePsf5r2vrAoo9Bpe+HuCaKFMR+k0UCzLIdBm2quy5556pYh+CbBO91wv3keUs0m0ooS2pXZ+35LAdQv2S66Bd82oLe5AVyAwNipQOAGr23Xfflr6HU1bKRhQvXTLMwzWy7BPjMtRmjFFtFEJILnvoZ6wyCP0eCjB9txPop+3WN9bQh8jMCUE7ZgWgQmMMuS5lur5XlOksZ4V/DjipQuOMGrXnn39+S6C1l7I+pryI2T9jt3EVkMfSmEOpzppT2oUkBt/HuF7Kbkjq0GXQ52Q2bBmZhGyQpY5Y2SfBsURwIATXinzOeubME+2W7qPfyj2BsqANQn8bcIDp1b4h6Ius8NFtjh4SI7gP9GXGfOhakUesas26Dwn3i0zNSugpgpWePluOv0v50xA4D2QZFN0vQpSRcxBzTsLwxfnoIQmiqIwE/YLMck9Id6tT12wXrplrlyDb9f49QNa8XMHmQR/L2+uhDhkCOIYJNvO8QuSNY5JhtAO9HSihwngOyd0smGP9HBUaL3XIcQ1yFL1bQ233MgkyvbYZCAhlrV4JwVjkmj0EkPQmw0XzK3Sjz3VjTPZSf8TJyf2U6ceAXAR/fp49X4Z25iGc+YzLrKxuxqZMaPAwvtlvImR3SzoZj72YIzXd6LOx9UaCyTpZKavtqkCQh0CQh0C1LGVUlTr0ERL0QtVe6AfYQKG+rEHWMRbRaUJk+QS5LnltWdQ95oxy2IqKAkKDEcUrFKQAlHhN6DMJWWgMOA0DQE+kZFxi0OnBpwXjQQcdlA6wEChCoSAF14ADn8E3iJDdVyQ8OwWnVJaAy1J6WHGQp9TQlw4++OAh9WY9od8lylzmOaHohfof/UX3GTKUQkqdhuwKJiq9XNQTul6uFSdcluD2DnyvEEq4ztBvMgZo204NDpCTcBlwFGUZ6yElBXhmTF6xgxQQcrQip8oEKSBUyg4neZExXwZqqaN8hWQcbUVgN9Rmm2yySVBxBoytrFrL9JXQ7xHQLlJ2uwVtccIJJ2QGPYElyFkKmB4PjJu8PSqATECUZe28Av8cQuOM82nrdh3odRBTXsTsn8OpjduhDl2mDjDashJauNasZ05AOOb+QpQ/CDkBQn8b4wdHTZkgBdAXtREMMTNdmR+yAq3omPo+SNgJGX2cN+A5UwMxJ9Wpa7YLq481WY6x2WeffUjZGlYY5TmX6mS66aZLdeYsGy9rHPsM/BhQ25sVgDi2y0AGvpyfQjpiN+S43APSw3yelTSgiakDtAO6mUySzAM5rG2Msrq5pht9bpDHZBnYd4VAQRm5Rv/C3sWJ7mn32XUC1QxYsaPHmSfkMOXacRiXcZh2Oh7LUOcc2Y0+2y9643Bg2223Da4gpx/ovkw/JCldrwajrfP2SMUnKFcKeQhglaHuMWeUwwIVBdDZWHovCTn1PLpDMxCLygQgHNkAKC/iiRDFKcJgxYFFBplGTp44PIhYsi9BVlauh4FFYIONlGOVBChLuxl0WZDBQ31FlFitaMvNejpZykiggmyjvKxE/jbZHGQqlakLi+JM1gAZB3n9gMmViZ5aeEWbJAOGKdlzRK5DhgfwOQEYsiLKbpxMuSCyc1j2nZUxBfw2Cj3tFcpgkHBvZEWyRJQ+mQXncU9MILGc/oxTMkcY61p5zWpnDAUypLjerLYFJkqulWeGkVEHoX0mtNzKg5VGus2z9tVpBzJEyFYhkyivrYBxgwGKcpcVEAbqP7JKKsvp4qF/Il9DK0a6CTIcRZ1+QPY7y4bz7g9YekqJIAzNLAgYUhIq5BzXMBdhsCJriow0MtgwiHGOxghYxZb1MeVFzP7ZyzbuNXXoMhrmnhggN8hoK2O0kEVHGUCCUzFhbsHJSF/JGuP0bXQN+gj9pQq6Ri6yQu8r0Sk8a+bOvGsjCQJ9gdXFo0aNCjoeimRhWfI2ZSyjM3VCXXNSjNIbnrp0zXYJOZNCzgWP1kvKOh0ksWQIMKeQtII8y9O5GN/bb799OleHHDSdQP8g+56Ae1YgktWbZMaSwCbLrYU25e+GHKdP6XIuXCMB1rL00mYAxi82HsG8EPQHnNwEB/UeGsjBdqm7z/ViTBYRW3+kbBqbLpNtHmob+hO2PmWgsI+kA1qvhKlKu/IUHZFkUh1s1KDDsuKH0kO6PGMWMcZjGeqaI7vVZ/tBb+w1MfQR+iirPrC5smAMMl+xGoOAGcE0bZ8VBQ1126OL+soqZahzzBnlGPjST8MNyuqQiUZdfCZGFEY28Qk5T1h2j+LJElcclXkBEc6llAgKKrW2mfSZbHlRjiL2ZDRSYGnYM888k75Y8ofSz/MqCk4VQaSW5en8JhFjBDaGAcpVu1Dzj+tk2Su/jwDGkYbg7tRwo34tS5lfeuml9HqppUrWCr/fTvYSy8v9dfKif6J0077011hOjVj4tqWMDNfL+Fp88cXT6+1F9k0/Q0kS6pAij2gzlrITIMPYpb+047BlHCI3WULNb+OM8/0ltmOuF1AHE7nNUlbajD5Fm7GPRbsGHFM/2St+XmAMM7aYE3gOeYZ/vxFTXsTsn8OpjatSly5TB2RL0m94RjwrxhfPyD/zugLMEubNv/71r+k10Gfou8whZP+1iy7JULasSrsw/zMOeTHmuH6MwtBKIe6T/bzQFUhiqDuI0G0GZU6i38fWNUcyOKSZN3ghA5F7iy66aFt6TbswH/I8mW9mm222FhuPZ4wc9o5XgoYErrIYFDnea5sBHY1Sd8hugqV63kAOI4+B8ZVVOrcd+qHPDTqUUGPM8C/9lnHj+wxl0mRAqNNSOrHAHqCvM8dgg84777zpfIreMgircwfdbusHvXE4gOzGd4L8xs6lDxMUQG5rOBe9kbkN3xV+phgr5Moy6GNuELFAhWEYhmEYhmEMI1hB4Td0xHAmu88C54YxPHj11VeTf/3rX+6omS1alHTG5q/f+c533FGSbpRN1r1RDhIZ5GbDBAWKkkVwgPNsPGSLs5LO6D4Ec3CKAwElgulF6P1IyKgvqhBgGIZhdI6VfjIMwzAMwzCMYQJlCX2QAqiTbkEKwxg+UJKCUk/+RSmbItijQULmvVGehx56qKXNf/GLX7hvsqEEs6RMmU6jHigT5p8d5XvJ6s+DVTJ603Qr7WIYhtEdLFBhGIZhGIZhGMMAlqTrjV6pN20YxvBhjTXWcO+asB8cJSlCUKZk7733blkNQG1+2+S1GmTSy5KNlAFin4osWDnB/jySbbbZxr0zus3aa6/t3jVhg165UbaEsaT3UmBejb1fhmEYhhHGSj8ZhmEYhmEYxoBCrXnqz1PiifIu1NH1UOrl8MMPd0eGYQwX2HPm8ccfd0fNTT3Z2JpscfZWIiP8b3/7W7qpM6usJOPGjYu+sfdIgIDQWWed5Y6asLkupfaor0+gmLZmM2DKBEn4vzvvvLM7MroNZZ/YP0XCvghbbLFFuvkyeyOwbwL7RRFgkptoM7bYi9H2/jAMw+gOFqgwDMMwDMMwjAEFR9ndd9/tjqZA9u/NN9+cjBo1yn1iGMZwgU2uN95445bAZBl22223tAyOUR3KBbE5NhuHV4Gg0nnnnZduNm70DgJIeqVEGQhO6RUZhmEYRn1Y6SfDMAzDMAzDGEaQAfrzn//cghSGMUxZaKGFkmuuuSZ1gpdhwQUXTK688koLUnTATDPNlJx99tnpKrYyIIfZG+RXv/qVBSn6gLXWWiv53e9+l64+LAObn5MEYEEKwzCM7mIrKgzDMAzDMAxjQLn88svTzbOffPLJZLbZZktGjx6dbLnllsnss8/uzjAMYzjD6oqrrroqLTvECovx48enK6qQBQsvvHAa1FhttdWSaaed1v0Po1MorYXTG0f2Cy+8kO5rMN100yWLLLLI5DZfccUVTQ73IZRKvPfee9PyXE888UT67CZMmJB8/OMfnzxmFltssWT55Zd3/8MwDMPoJhaoMAzDMAzDMAzDMAzDMAzDMAyjZ1jpJ8MwDMMwDMMwDMMwDMMwDMMweoYFKgzDMAzDMAzDMAzDMAzDMAzD6BkWqDAMwzAMwzAMwzAMwzAMwzAMo2dYoMIwDMMwDMMwDMMwDMMwDMMwjJ5hgQrDMAzDMAzDMAzDMAzDMAzDMHqGBSoMwzAMwzAMwzAMwzAMwzAMw+gZFqgwDMMwDMMwDMMwDMMwDMMwDKNnWKDCMAzDMAzDMAzDMAzDMAzDMIyeYYEKwzAMwzAMwzAMwzAMwzAMwzB6hgUqDMMwDMMwDMMwDMMwDMMwDMPoGRaoMAzDMAzDMAzDMAzDMAzDMAyjZ1igwjAMwzAMwzAMwzAMwzAMwzCMnmGBCsMwDMMwDMMwDMMwDMMwDMMweoYFKgzDMAzDMAzDMAzDMAzDMAzD6BkWqDAMwzAMwzAMwzAMwzAMwzAMo2dYoMIwDMMwDMMwDMMwDMMwDMMwjJ5hgQrDMAzDMAzDMAzDMAzDMAzDMHrGVJMauPeGUZnXX389+dvf/uaOkmTppZdOpplmGndkDBLjx49PnnzySXeUJMsss0wy9dRTuyPDMOrmnnvuSd5///30/cILL5zMNtts6fuRzD/+8Y9kwoQJ6fs55pgjmX/++dP3RnxsPk+Sf/7zn8nf//73dC585513krnmmitZc801kznnnNOdYdSN6SKDx3/+85/kgQceSJ/byy+/nHz0ox9NVlhhhWTxxRd3Z0yhV2OM63v77bfT9zPMMEOyxBJLpO/Lwtx83333TZ6jPfwOv9cu/T7H2RxcjOxbeUw77bTJjDPOmLah2cqdM3HixOShhx5yR0myyCKLJLPOOqs7Grm8++67qazyfPjDHw7K4rp58803k7vuuiuV9c8//3wy00wzJZ/85CeT1Vdf3Z0xhSpzSBHcO20AzCvzzTdf+t6oh1dffTV55JFH3FGSLLvssskHPmC58EbnWKDC6Ihx48YlO+ywgztqHn/2s591R8YgccQRRyQnnniiO2oaJzPPPLM7MgyjTlDScQx7DjjggGTnnXd2RyOX5ZdfPnnqqafS96uuumpy0UUXpe+N+Izk+RzDeOzYscnll1/uPpnCqaeemnzta19zR0bdmC4yOOC0P/7445NjjjnGfTKFLbfcMn2Wnl6OMZzI2sH+3HPPuXfFcJ/77bdfct5557lPmnzhC19I56QPfehD7pPq9PscZ3NwPqG+VQaCc1/84hfT9l1sscUsGNsGt956a7Lpppu6oyS54IILgk7wkQYJJ1/60pfcUZJ87nOfS6688kp31B1+97vfJfvuu2/y3//+133ShKDBn/70J3dUbQ4pw//+979k9OjR7ihJdtlll2T//fd3R0YdMC/yrD233XZbstBCC7kjw2gfC3cZHaEziyzu1V9gEO60006TX2SfZKGfpWF0gxNOOGFy/zzqqKPcpyMPPf5sPA7F2qReRvJ8vs8++wQdqEYcTBeJy8MPP9zSnnIlVDc599xzgw6mEL0cY53Isvfeey/Ze++9hwQpvNO+kyCFpht9n1Usu+++++S+U8WBaWNzKO32reuvvz750Y9+lKy11lrJl7/85eSxxx5z34xsqsg2xqYxlF6PU57htttuOyRIEaLKHFIGk1HdR7e5+QKNWFigwjCGMWQiYoT4lyl1Rr9B1o3vn7fccov71DAMozv85S9/Sa6++mp31GTBBRdMMxL594Mf/KD71GgX00Xiwgo82Z7/93//577pHjgndKYq5TrIaGYl1vTTT+8+HdwxRvmQH/zgB8kvf/lL90kTHMtnn3121CBFt6Acy2WXXTa571CGy+gtPIOVVlopfR4jnX6QbUZnsEJCw+ohXh/5yEfcJ9XmEMMwRh4WqDAMwzAMwzBGJLK2Lnz7299Ol66TQX377bcn6623nvvGMAzPv//9b/euCQEH6pFTfoWycT/+8Y/dN4M5xghS7LnnnsmvfvUr90kTSlSdfvrpyXTTTec+MYxW/vCHPwx5UaaIvnTooYcmW2+9dbLkkku6s6fACoKDDjrIHRnGYMJeE5I//vGPySWXXJK+SE7zVJlDDMMYeVigwuiIddddN80E8a/PfOYz7hvDMAzDMAaFkTqfk8Ep2WSTTZKppprKHRmGEUJnOm+22WaZGbCDNsYoj7TbbrsNKVXFdZ900klRN0K+9tprJ8vcX/ziF+7T/qHfr68fWXjhhYe8qJvPqgmCFAQrrrnmmuToo492/2MKp512WnL//fe7I8MYPNg428PqiKw9XKrMIYZhjDwsUGF0BMr6LLPMMvllm4EZhmEYxuBh83mTj33sY+6dYRhlmWeeedy7Yvp5jBGk2HXXXYeU4cHBTC312HKRjeK9zP3whz/sPu0f+v36BhUCdawsYmPhRRZZxH3ahECGYQwH5p13XveumCpziGEYw59hG6hA0WQDJrISymzm0wv+97//pcuh77nnnuTPf/5zer0sNe6Uuu59woQJaUbNHXfcEWWjHGoTPvnkk8m9996bPPXUU9E23xk/fnzy0EMPpe3K9b7xxhvum/bw18nvca287/Q5vfbaa8mDDz6YvugH/Q59ivtGob7zzjvTbAm9eVJVetEGb731Vnof9913X1p2gHFCvd5OePnll9N+Rv+gfajF3GmfA/oxbXP33Xen/+bV9KY/cl8sr2V8/vOf/+y4Tfn7tBP3xvPvd8jYRObRXrQFzzoGdcnp2PTz86pL1ncKz/G5555Lny3Lzbm+V1991X3bPnXINq6VZfL0wWeeecZ92j/YPFlNR0Ke+/ZCbtEPY+3b0Ou5o07q0EXq0pnzqEMXqQrPmQ18Ga88e8p19Ku91C3efvvtZMcdd0zLjkh22WWX5JBDDkk+8IH2zWaeOe1NqStkW7sgW3hOjG3mLcbBCy+80DfzqoRrevrppyfPC0888UTH+km/6hPtMt988yWHH364O2qCPL7pppvcUTnq0oGr6h7Mg1wHz5z5hONeQL9gXqWfIGNj9L2RwnAbY5KXXnoptdMpxdapjwjdSo47XtiLneq+MemFfiPh7zP2mKu8rhPDzqqjj9Zhc6BTMO9z/+h7MXTWkcRUjQc7bKTP66+/npxwwgmTFW4J2Tuf+9znks033zzdzEeDUPnKV77S0jFZoqmVBwkdbeedd04FnoeN4WRNPZYI+/qmbCCE8ssAOPHEE5Pf//736ecSNhHaeOONkw022CBZYokl3KfFdHLvHq7tyCOPdEdJKsTZ4I774z6k4s6S1aWWWio1Fvfee2/3aZKce+65yUILLeSOhkKbnX/++em9M2C5bg+ZOp///OfTTeq41qxl4Qi9b37zm8mLL76YHtPetPv111+fnHzyyelEoaENxowZk2y44YallptPnDgxOfXUU9P2RGHUcK3f+MY3kk033TT59Kc/7T7NB4HKc0dYPf744+7TJmTT8IxYav6JT3zCfdoe3/ve91IFEXBYyDZGIfabFvr+6DnssMPS9vOw+SUC9mc/+1ly4YUXtvyO56tf/WpaT3WuueZyn+TTrTaQoEhcd911aR/WY8NDXUyW9H/3u98ttTkibXPKKaekGxJmscIKK6T9LavEQVY/ZmzR93Q/Rjasv/766dhYbLHF0s/4De7rnHPOCSogX//619PMwE9+8pPuk3xQIvgt/rb+PZ7N8ssvn+y+++7JDDPM4D6tDkod7eLR/YBn4VlrrbWSsWPHuqNWkNnUt77hhhvS/h7qn9ttt13aXiy5z6NbcjoPlBc2j/Pst99+6bPLo5Pnxb1RL9ZDLW75XLIgy1SWK0D+U7NbE0PWA/eAEgorr7xycvHFF6fvOwE5wDMPPVvg+a699trJ97///a7KNuQpgU/Yfvvtky233DJ1Nlx00UXJT3/608nPeM0110z7SuznV3U+Hwnz5Nxzzz25nZELVXUkCcYZ5+HwwbjSoKcwByFb6INZ9OPcEaKfdRF+o1OduSqd6iKMxzPOOCN9j/NPPjeeMZnvHmp8h8ptUGqDTaAp4RNqR2CcsWcE9o2eO+Q1EFiRJT70NXzqU59K/vrXv6bvy46xukCOLrDAAu6oCU5MCecgd7ElJGymzVxQBPMUGfIe+ityD52HNkNn9NBX0U+AZ+338FhttdWSgw8+OH2v4Xr5HUoDhUDeLrfccum16rJ99DevT+i+w/+bY4453FGS/PCHP0zHk6fo+v71r3+lq008lMsaNWpU2s/OOuusyfO3hOvjd6TOk0csfaIOyvStMjDu2cvCgw2RZ2PE1IGr6B7IAA3XgA7tHXEa/Cvf+c53khVXXDH4fNqVbQRzuD8P3+G7oe/RNlqHgKy+h5NynXXWcUdJunKK/lbGJqRvynGJv4F77hXoJNhPHuYzvUJM08kYk/IFZLtr+cLzwXaBojkEWTLnnHO6o3LwHBdddFF31Awys2E3+hHzXkhXreIjwm16yy23pHoqulwI7pn73HbbbVMbRsP4km1Efy0ao/CjH/0oufHGG91Rs99p2QM8u27qN+iR2Kwe5NhMM82Uyo5f//rXQdlEWyMTll12WfdJMXXMAzFsDvop9wqsIMJOfeWVV9JN5ZGhofuvqrOOVIZNoAKhzIQcUog0GHVMxJpf/vKXyV577eWOmjBxZk02bKYmgxIMkptvvrll6doOO+ww2QDje5xu++yzT3pcRBlHFcS4d2AwoZB7yIJBIEoF1MNmSEz2THxs/uX57W9/myl0UDwwXMtkiWAks8Q6pCDoSQjD/OGHH24xArKgViICNW/pNko3GVVE2svA5IZB542uELqdsqCPoNh3MnlIx14e/C2yXTzaOYDSyQQvFcYscB5gwOTRzTbwEHhE+Q85hUKgJDEOspzPTJIYcdxvWehzZ5555pCNF3U/xnlBZlzRb3ONOMio44l8wUAogmeJ0pQFTiucl/L5Z4HjijH08Y9/3H1SDQy4sooJcgBjX4NiscceewSDkiG+9a1vpfeXNe67IaeLqBKoiPG8UPRwQHiKjGIPNWRR0j0o6vq3Y8l6iB2oOOCAA1L5UhaU/Y022sgdhYkl21CKvUKLnOH5bLPNNmkGrgSnNM7/2M+vynw+6PMkwQDdriEw6vz80Y6O5MEwLzufAvPxVltt5Y5a6ae5I49+1UVi6cxViKGL7LvvvqnzrQw4CqiLLwnZOHkQTOD/yIAH8lAG6/JAdvhAVR5yjNVFkTOZoCvPWY+JAw88sJRMgkcffTSdozy/+c1v0ufIHKf7Lg4nxiCUmePKykYPDiCZaFfl/zMfM094iq5PO4uRidxfGfnKPIcul0dMfaIOYgUqGAMyQKTloiS2DlxF95AyiLnoJz/5SWmbiA3ECSbMPvvs7pMm7co23fdwFvL7ZeRJqO+RtCHbFD9PmY3+11hjjRZdCOewdM53m6qBik7HGHokn5eBPu7trSJwHlcpHQVaP0LvJPhFvyiiyEdEsgm6d1aiQYhQoBv56ANzQIIQyUZ5MEfJRD7mZ4Iu2iHfC/1GByqOPfbY9B5DDnoNgQWCfNNOO637JEwd80Asm0PqrDwX2oM5NBS01ZTRWUcyw6L006WXXpoK5DKDEhiYZJnidJQgfHRmKIKDTCANgkAGKQBHeV59PQZsWecX0PGpU5kXS4p17yGYIEIGeDvQXkwAZQQMoOCTraw3WgpBu5cJUgB/Py9zi0yqVVZZpbTzBTAGMN6yQAErayDQR3CgEDHuNSi2ZRwDwESMsp5FL9qAbCMUlCoGMPfLBJ+15I+JqKxC7qHPEagoAkdemd/218gkWMbRBDh5UHJCoHiR9VzG6Q2MDZTyuh0LWRAMxilb1kADHF04/XHwF1GHnI5JrOeFPEb58qDwkvmZBxl30snNc9BBijplfacwT1QJUgCGbN58UJdsoz9hQGQ5e+p6fmWwebJJWR0J50mV+RQw+spuXNuruaNbxNRF6tSZs6hDF6kKq6WqBCmANiKwO9whqxenrB4TyKyyMikEK55CQYqqIGeqXgcZ6gSZegHOpDJBCiDo5VdrhOhnfSI2Sy+9tHvXhHkuVCKlbh24SPfwPPvss8mqq65aySYiqZAxUaSrtAs+m7JyNtT3yHSX6M30Q1DWRepCrMroZZCiKsN9jKH3lwlSQJ6PiHkcOVwlSAE4zHWf1Kufy/QzPR7RgXWQohf6TQh0DeRXGa699tpU12HVbBZ19NG6bA7mfZKMygQpoEhnHekMfKCCeok6Ik5nppMycfDivV4VQeYhGaUaJi6yezx0TqLuEurZkUkowQgh06AsZNkgvMg8YZLjXyKQfC4hmzhLgMW+d402arg2ookY5lWWKiHcuU6prBNxxGHE0i3uH0GFcitBoclzbHg4z0MWERFS7p2MT+6fDA7JEUccERQKPNeQIcfSrKuvvnqyMoLyr5dV8yz5TnPVVVcNyRIhi4rl//we949BQTaLhD5XVshpiGKTYcmL/iDB8PLflXXyMB6Y6MkIZfLDaNJjgmsl+y9EL9oA6BehJfw49MiE5V54r7MY+Dy0tJnnS9+RsMyfvkvWExlUnIPSrpcUlwlUyEkd5xDKEu1DRqKWN1y3X3LKuMRpTUYt98Xz8Zl6HsaebgvPUUcd1aJE4fzE+c7zJmuLf+nf0inKtTJW2lFuZp111sl9kJeUtyC/01koOBR4hhrkL+OeMU/b/PznPx9SsoTscLIjqxBDTscm1vNihQ8OQAlLo/Pg/iV6pUHdsr4TMNCpMS7BYPaynRrM1HClffXzzSrFUadso81kUAH4HUr4MKfX8fzKMFzmSZZyezlDm0oIVPrvdJ+RlNGRuF9ZagsYmwQ3vVzBQcrcLMcssLIrLwvS06u5o4h+00Xq1pmziKWLMF59m+nnhBHtvyNTU2ZeIpfRjSU4OhmjlGbC4Uh/QTZTUkyCY4DvPThB/N/R/Z/MSP8drxhjrG7QKRivWtYyD+g2qwqOEB2kQCYit5dZZhn3STE6KYHfQF5SEs3rnRxrvZPn420d/o9vb+5Ngo3kv+NVJoM8D2mTIcO8HOdzVsDr+ZV5IUQ/6xN1wP4nctwCMkvSDR24SPfwsJJCz7+UhsIpzDNgr0jey1UiQHkVHLU8X0+7si0PgqxV+966667bMg/Tv9jTIA/0Fwkr5waFWGOMZ+KfES8Jvye/k8+6aA6hLGRMCERdccUV6T4JVX1E2PZyXNBPWAnBeGMPBsYqJYNJTNH9jEChhLKgsh8zJkK6sYRVuhK9gqVX+k0R2PFeNpEwwSolVvhI0I/QF0PUMQ/UaXOgj6O7ATorcqddndVoMGnA2WabbSY1OsLkV2MATHr//ffdt61ceumlLeeussoqkxoDwH07hUYHbTmP18UXX+y+nTSp0clavmsodZPefvtt920r22+/fcu5vBqK/qSGcunOaOWFF16Y1FAGWs5fccUVg9cZ+94bQrjlHP8aPXr0pIZgd2e1wufy3Lvvvtt9M4WGMGk5p2E4T3rjjTfct600BEv69+T5DSPJfdtkwoQJLd/7V2MCcWe0MnHixLQN5bkNgem+nUJDoLWcw/955JFH3Let8LwbxkbL+Q2jxH3bpCGsJjUmwJZzGkLKfdtKY1KcNGbMmJZz999/f/dt+zQMwJbf5JqyOPTQQ1vO5bXVVltNevXVV90Zreg+1VCU3TdT6GUbMB7kbzUUd/fNUBqTU8u5W2yxhftmCmeeeWbLOccee6z7Zii0WcMQbTmffijJ6seNCdud0UpjEh5y7jrrrJP5fBrGTMu5xx9/vPtmCow3eQ59vjFpum9bGT9+/BDZ1Jjs3bftgzz0v8f95EGby7+PrLjpppvct60gY3bbbbeW83k1lDl3xhTqlNNl4W/J32so6e6bKcR+Xvfff3/L9xtssIH7JkxDyW85X/e92LIelltuucnfI3PbpWFAtPwt7iVrvnzyySeHXNs777zjvm1Sh2zTf9O/mOvpc5rYz6/MfD4c58mf/exnLb8Z6odQVUeif2244YYt56J7NYxad0YrTz/9dIs85BWSK/0wd1Sl17oI1GEvlCG2LgI8a3lelv4Let5gTGp55qE9tt1225bz77jjDvdtK/fcc0/LeVl2ApQdY3WB/iX/Pi/6oB6f/nXwwQe7/1ke7IrQb/E6+uijh+iAnrw5juckfwdZ89prr7lvW3nzzTeHzPnYsxrGkTzn8MMPd9+EKZqDb7zxxpbf44XcypJzjz76aMu53FOIOvSJOgj1rXbZdNNNW37n6quvdt80qUsH1m3nX1m6BzJBn3vyySdPeu+999wZU0CmnHHGGUPOz5IXVWRbqO/RX+ljIcr0vbFjx7acc8EFF7hvwtDX/bnoMln+oG6iZT5yIURdY0yeg88siypzSFmy9CP6SoiyPiJ0EHnObbfd5r4Zim7/kG6OHiDPyfMpoPvKtg89z17pN3D22We3/B4vrjerjRgj++2335D/E7JnY/fROmyOkM7K86AvhiirsxqTJg30igoiVDIKyHI7lg9lbaBCppCs6UwWdCiKyPJLskAkZDqRcUnGoozCEVElWjbNNNO4T4rh/zc6pjtqhU2DyC6TEX0irUQbJXXdu4aIL9Hi0GapZSACSuach/tm1UpW3Tjq8bL5jCRUo15DhklD0LqjVsg81ZHWhuBy75pwnTpbnsw9HU318Lx1pJZIrIT/LyPAZFDqKLKH2nxkpDaEp/ukmdVCtlSvoA+SbSI3tpKQESP7MRkFml62AVFxSV4WDllA8u+SYarxWageMpiyoM3IPJSUKeHA2MhamSXrsHrI7s96PltssYV71yRUwq4xAbt3TXheWaulqClLhouETGE2CO0GLBXX2U/8/azajsgYxqjO6i5bTiWGnI5N7OdF28hxQR9vGKXuqJVXX3215f7I5pF9r1uyvl20fGKT6Kz5kmwdnU3rM2Q83ZJt/C4rskIbCsZ8fmWweXIoeToS98p3EuRKaJNjoAyXXl2AXClTpqnbc0c3iaGLdEtnDhFbF6mK3ieC7MSsGty0h86Apub3cIRxocenB7lUtsxEEWTCYqPofcrKoEtXICOk3iFh7xlWsUhYddELWLWRJeeYe2XW+euvvz5EP+53faIu9Iat0lbttg6cp3vIevRApjqr+VgVokGmsKkw30vYwHZSDSVTaRP6WIgyfU+viMgqBQRkqTNHeyghXsUf1EtG0hhj5YZe1ekp4yN6//33042pPaxIzNsjjbbCjvD4jeollCaSsOl0FqxEoK96vqVWU/dSv8kCHTOrjRgjyBe5pxOwqbikjj7aDZvD66xsKB6ijM5qNBnoQIU23lhmW4RecpNVroP6jFqoodRSy03CAKiy0Q+CITTpSzDG9HK4K664wr1rUue9S/bff/8hS9iqQA1NKVxZAlbkHGHppRQaCK48ZQaBUFRnTm6sBHoSYpmXBIOfpXl58BxRzlACeY0ePbqlxh5lMDy0YdEycgS3rgesl/p1E4zZUaNGuaOhMAHKNmIjQU0v22Duued275ow2ejnLmHyYVzx0iVSgD7E9fOibAFGYR4hxSQP+nHekmEtZ5g49dJuSVHteSZqWUIIx2VRn8eIkuWYUG5YQtsNdF1Q7l87VDT0Ub3U/fTTTy8MrsSS0zGp63lRvkySpazqUgAoWpJuyPpOkEohUBohy0kF1HOW8kAbvt2QbYxv5pg8Yj2/Mtg8OZQ8HQnjUkJwWzuiNNS2ppyApGhZeLfnjm4TQxfpls4cIrYuUhXKZ3jdhVfRmH3llVfcu+GNTj7R7Ljjjh3X0sdZpB3FVdCyBcdong5DwpbvO7zYz6rbsG8Bjrw8Fl98cfeuiS6n0e/6RF1ou0IGFLupA+fpHpRCQpeU6LJ1IdCpZJCNvvzww1PKhMWAvpfnQIaivse9yzJq9EVK9IWQ+gtQpmpQGCljjD6Xl1gIRT4i2gmdWc6jeaDjFiUnohtLP2Ne+Set1/McJMh6STf1mxAkY+hrDKGvQQcq6uij3bA5CHzllS0ro7MaTQY6UCE3QUIQMTCIeua9ZphhhpYJiJppIcgKIConlUQmZjlgqGdG9lMV2MSwDPo8fZ113rsH5Xrttdd2R+2hB9+yyy4bvDb9WnHFFd3/aJK3IQ5KRVZ01cO9S95S9QdlRgSEMhBDkF2KwOJ18cUXp9FXoB66VOT8/YTuVb60QUPN+V7x6U9/2r3LRiqdcmxAr9tATlTAM+YznMtkupJhLGEjfBRYXiFHDRMkkX1eOvvCwz2jaGAYUA+2CtTmZELMYpZZZnHvmpA5kEdWJN+jI/jLLbdc8Hnol27XLAU+NjorlWByKHtLs/zyy7dkQ0DRJnCx5HRM6npeOqsnK9gi+zPjXmfCdEPWdwKGiJRXQFYRsp76sdowYbx5eaCdut2Sbayg+eAHP+iOwsR6fmWwebKVIh1J3hsUGUSebbbZxr1ron9H0+25o9t0qotAN3TmLGLrIlVhtY/XXXjNOOOM7pspYMhT45oa8GWcHMMNVjqNGzfOHTWhH7FCoZNVozhnO4FxrZ3+bIC6xhprJKeddlqqb8rr43zfd3i1s4qjU/ReGSF0H2QukPS7PlEXeuWmdMp1UwfO0z20LsoqgqLEHmAe0sGP2HN3jL4H+jpD9hwyUzp3kelZKzn6kZEyxmL4iBiHcg7NChC+8cYbaYIKmynLrP0s9MqIkAOc/ilXW/C32etR0kv9JgTJfkW2C1DBRurzzLkyUSJ2H+2WzVGUDAJFOqvRZKADFTIzlIeMQk/mWNFLZqViMNAJQxCkYIlQCDqtXvpYhqylsBoMRRkk0VHWuu8dWE5K1K8TtODjN0PXpV966RZlt7LQTqR20EKnU+NQOwPZSCh0n/qlo/q9csDAAgss4N61R6/bAOVcbzYFbCCJEkG/IfsGhRwDtWp5gxdffDHNYqCvknmH4chST/4ts3m2psoG9VDkTCoau9roIbMh9Dz0C6NE0q1AhVZYFl54YfeuGAx2SZ48gVhyOiZ1PS9WGjAOPGSw6GWtzDEyowcjTpcO6Yas7wSM5NBmbZT3IBsQIxPlkvIElN/RWXaSbsk2rWyHiPX8ymDzZCtFOtJf/vIX964JDugy0FelXMF59a7YeFTT7bmj23Sqi0A3dOYs6tZFqsKGvJSUogQMCRg4PhhTX/jCFzI3tBzO4ARidRhOG1bLSm6//fak3fIm/B4lGDuFTYs1OFtYmYO+Sf9BprPpdp06SFmq6GZZ9Ls+URf6vmWgops6cJ7uoQMVej7OgxWVEoKjMYkVKGDDYelIJMFCw2bhMrBUNnGjXxgpY6xK/6wCeicBLEoHkYTCPM+YZOWFXsGcBfOO7GdsbK1h5R86i4cEK00v9ZsQBErKop+P7E+x+2i3bI4q92/kM7CBigkTJpSKVpYhLxrMEkKy1TRkKOVlsIVAGBVFdSWLLbaYe9eE5ZbQrXsva1TnIaO8nZC3TD5G9p++Tr1Uvyqx6s1p52Q36bRd+6ENqM+qDU8Jxt65556bro5iIiILIM9BSQbNtddemxr2ZChhHFKLF2WlHwzEKsTqW7ENjSx0reWywQTQSkOeYh1LTsemzuels3ro45Kbb77ZvWuis/ihG7K+UyiTdM4557QYBhLm1d/85jdpEAgnE0uI77rrLvftFLoh26r0wxjPrww2T7aSpyOx7F/qaTgTy2S/erRjqdMSNINMp7pIt3TmPGLrIu2AM4PfxZlHSSD24sMBh7NCOkJGCshYZCWrEz2sgNArYFgRRgC4KkVl3sqCLMDxhQwJwbMjaeawww5LAxfMXRdccIH7tvvUYZO1S536RGxYGYOzUEIpQE+/6MA6YFIlkKyvQ68g6ZSisjBlIdtclnHiuejEg6uuusq9a8K+AIPESBljekVpJ7DSglWHBCVY6UaSIoFs9n9rpy8zzmR5Pn5D9zOZZMTYlIlJ0A/6jaaKbaDlmOxPsftot2yOLBvTqM7ABipi1sTLG5goBtroBzaJqdtBpyObfnlit+49RqAiLwuwCrGEcBZ6P4HQ0vgqxHpGsZW4btIPbUDWMGWa/vrXv6bLNbUBqkEhoMYvWXQayjPg4Nt6661bshAkTE4oL2yc2E4N+G4S6/l0y4Gml+L68jFl0EHlTko5aLLkdGzqfF5643e9qZus6cnGyaHSMYMi67lXDAGyiUNJCBJqQjPmqeks278bsq1KFliM51cGmydbydORtByoKnO0fIsps0YasfoZtGvIx9RFqsL9swKc7E3p9NCwUhz9RteNHq5QZkOXxOE5sTJBOxoI8FTdu0NuptopyG2CESTFkLktV1xpCHARFGNPRUqRDCKDok/EJORTkIkw3dKBi3QPuccUVMnC1is5+3le06VdZVlN7pmSoR6SYOp0TjLvkFnvXzFWkY7EMdYJrKDBvmfVYZbOyQpn5lk2dC+bVa9XSMg5mmd06aWXuqPwZu39oN9oqqzK1dcv5UvsPjroNsdIZGADFTpqjkBgyXTVFwIhy2ifOHFiWgYiBBksZN5UGUT8H5Zcl0VH/nxmRTfuHWIsWdaGPAI3dC1Fr7yNImOgM586zWTTbUdmRui+il533HGH+4XBo5/awG8myTI/lhJecsklacmDkLOAccq1yo1jmdw4X2fVsREWyz4xeFlRQVYkSzc5t0q2Uy/Qz4cyAqH2L3rhdOkGuj2rKOr63LwMsFhyOjZ1Pi+yeuSydQJxPuMOR4esz5sliwdF1gMGPqsl2GSNpcDMhRgfGBghqAlOsMLTDdlWpR/FeH5lsHmyFX39El1DWJfjKkIveY+RODJS6ZbOXIZOdZF2YBUZLwnZ+exFgZy+//7704xD9Bj0GVm3ejiTVTqHshk4miQ4OthTpIqjI08+tAPOH2p0s4r3wQcfTG677bbkuOOOSx1docAFuigZv4PIIOkTsWDPEQnjUO4x0i0duEj30CUfX3jhBfeuGF16JUaZsLpgJZOsTY+s9j4fdCzpoNerWmPzhz/8IS0f6F+6r7TDSBxj7UKiIkF8rfMSODjppJPSVctk2dMv2O+IwNWoUaPcWfkwzmVQm0QjP8/we+gBntBq6H7SbzxVbAMdoJVtEbuPDrrNMRIZ2EAFCpvszOPHj08He9VX3iZ9LPeV5Vw4XyqDOC1PPPFEd1SOvOWWErLx5EAn68dHKLtx71AlIpqFXv6F4A5dS9GrbAmMdtGZT2WfE4YCq2v8yytsemMxgl6h+yp6xajN3Cv6tQ3IAqakG6secBagCPBeg7LhIQObSVyCEcjyepQXlNmYy0u7ga5rjkEUav+iV12OeY3uB1WMNF2Wq6iObQw5HZu6n5fO6rnmmmvSfzGQJJQ9DDEosl5Dhh9zISVXGPMEG5Hl2vEj65R3Q7ZVKRMEnT6/Mtg82UrRWJelWjA2y2Ye0g4yYwu5UmZjQiNMt3TmqrSji1QFx5oOThOUZRNvMu6pRc84rGveGlSQkzgxJOiAlOfqB3he6DE4YLBDCWbRT+inElZhVNGV+oVB1SfahaCl7lt6pWS3dOAi3YOa7RJdrioPXTZK71nRbxBU9jB/s7cPyLJPOIbpa3Wiy6kV6RJlkmhH2hjrBBzk0tbjmbOyBX2W6gmsQmq3HZDlci9BdD9f/kn6HfibbD6t6Uf9Rgck89CrE2RANnYfNd/c4DGwgQqQddowAssuxSGLEkWdV1Y28K233tqSQcmSPkpFUGdWcswxxyT33HOPOyqG+tdl0E5Rlv1K6rz3mLBMTqJr72VB+/vr5FV3eRntgAmV+wpBf5AOGOpaAsv/5G8S1CqzxBXlgo3z/H3LpaWDRi/bAAcy/du/dC1RCddJRuOpp57qPmkiFXs9xg844IAhfVuDw7OfYeNMCWVuyoBx5J8Nr3ZqN7eDzua+8MIL3bt8qHEprxEHdFFQKZacjkndz4tMTcaCx5cPIsvWs/LKK7ecI+l3WY8TwMuDvM1RmesxGuQqBMAwJKsK+lG+d/r8ymDzZDW0E4aMzDJcfvnl7l2TrNr0Rnl6pTPH1kWqQvlamZHJKlCCsnmBL+1MHKkcfPDBQ2QeJbTkxqV1Q6au7D9+DtIQcGdFIDJGy4tBfJ6DYjvGgv1FNDpLv5s6cB76On75y18mr732mjvKhtJVF110kTtq0s8rKmC99dZz75pgG6B/cM+eLbbYInUW14kODhXtC6H7fciJPtLGWCf86U9/cu+aoNPqlUUS9Ngq87ZeKUG5VsqLyTKueStX+s0nGNp8PgTJTn/84x/dUdP+kitEYvfR4W5zDEcGOlCx5pprundNygwyaozuv//+6WY4vEIZCTgkdtttN3fUhGXAROLYcZ4lXRKUfjazKQM70RfVgEM4sZxXsswyy7h3Teq699hQY1fCdZapmXrkkUdOvk4Ugtlmm819Uw84eSQEqYomXy1gcQJJAcuGyx4i8WWUSrJff/7zn0++9yolaPqRXrUBNRyZgFmSyeunP/2p+yabrLIvoA29orJOL7744pANbPsNMvTlsmYUizKKFYaGfza86qzLKtH7Cdx0002lll9qA3CllVZy77KJJadjUvfzIosOg8tDIMSXMvPoDFNJv8t6DA0vDyhvovdb0DDGdf1ySb/J906fXxlsnqyG3CQRkCtFde7ZhJsxISnaz8Aoplc6c2xdpCr6mosyATHaWd1hNLOY2a9Cs/3226fjtBsgP33f4UUWbx44JAlGDTqDYjt2CoEnSkzroD9+Br36tZs6cB4k5OjVgrR3ESSLyKx0AibaAd9vsOqNVfMe+hS2nQz+hsrxxEaXwMEmJRs8C106MhQQGiljLAZ6U2fKguWBziv7SBEE/6RTnhUcrJKTK2fyVkP3m0+Q1aGs5isCPV6i+2QdfdR8c4PFQAcqWDItI2NkQOZF8XAsHXjgge6oid7wlrpw1CGVwuErX/lKi4DgN2RWIh19zJgx7qgYgiBZThKMBAaYzMZmMpfLwqCOe68Dsjakc4S2IhqpN+OSIDRktjAKm948KDY4AHGgSOgHWQEosuT0/iVaidROoUMOOSR5+OGH3dFQUFjHjh3rjprobI5OKXLOxaaXbSCdxjh0i4xvXQdaOuV0vXFqUWbBBLbNNttUUlJ6hVzWDPT5PAc9z04a7hgrMbN985yeBIq33HJLd9SEMhlkjIZA5mHYX3/99e6TJmwyWYYYcjo2dT8vat9K2PxVkrf5dL/L+k996lPuXRPqfOfBs5eyimXXMguxH+V7J8+vDCNlnozFGmus0aKnMSewtxn3EIKsVMrxSP0Tp5Buo+FAt3WRXurMMXWRLEiOCKEzp7UDS4L9QxC3yBleNzhgWbUqX1X2hogJZR705uKUuuGausFiYjNlYEVaXpAE3USvAM4LuENW3+kldekT/dK3kC+URCRooFfw4l8I9a9u68BZsHqAeUpCdQm5elNDu7PXl4QVS3pz7RC97p9ar5d6+DrrrDOknIznrLPOaulnBKzbhfEgk4zQJbLmL+SDrAgCoQ3S+11n7yfYW0qSl9mPw/+73/2uOyqPXDHBs5B6LkGMvBUc/egTZN7MS6ajPC1jRMKKUkkdfXQ42xzDkYEOVLAhJhOdhE6OgGBwyI7M8XbbbdeypB7HklwuBeeff37LpM7EoCOTZAOSGSdB0dDL9bMgMkfGFH/npZdeSj/DoEfw4eBEsZAwuU8//fTuqEkd914XOoiDEKH25u23396yXBQnJUbS3nvv7T5p0i0jfc8993TvmqBYseEqkXFvGLD8i+O11157yFJa7SQig2HnnXd2R03FAicNDjKW5fnlZvzL3yL7Utb6JOrL73aCrmtJXyYbhOxiNlCsm162gc4+2GmnndL710tmuSayjrVigYHq0Sso+B2i9HKc4Vwie50SPbJveMrWc+8m1LWXWfpM7tSsZlkjdS49BF+of6wVGW00tYN0pKCEIP9YtnnXXXcNCQghxyT0IbIH2SuE/wvI0oceeih9nlp2Y9RJZS6PGHI6NnU/L9pGlpiSyh5lCMguy6OfZT0yW0J2HxuN0lekowIZT//Tez4sv/zy7l2TfpDvmk6fXxmG4zxZF5TX0XsOcA/ILP71AQvGBk4rnB66nBzjZDg4Anqti/RSZ46pi3j0BppsrkpWNhnWOKp9xp92bjCvMVfJQBF/l2fBeNUZjlCl3nQMkL84MOSrlxBs1auamHPL2nydQN1wmRiHQ2WjjTZK9RLkrISSVFyrDDTxf7Uj1Zfe8xA4436QQchrqUv0kjr0iW71LfQv/cJRjcOaOZCVBMzJMijtwcks9WJJN3XgPJjzSd6QbLvttml5FIKhzNc4Q9HhqUix+eabu7Oa4Hhdf/313VErZWVbt2CDYal3S/LK8fDMZT8rWyozC71ygzJ02JxeRwLmrs0222xIv9L6q2dQ/DO9Rq9IwXagjTw8A+ZJxht9mzlV8txzz6XjMg9to0j9HZmfRz/6BJFHJOtga7FhNnYWMoFADvo9drSEgEIokS52Hx3ONsdwZKpGx+lNmkpE6JR03BAoaX7y1lADTm5MQ3asHqgs8WFFRQgmiXPOOccdNcE4l05NykKNGzfOHYWhw4eUFUDgUXM0a3OrWPcOTHjSqL7xxhsLs6VRcDG6PERxQ9lfCERdTsvD/bOEUQt2QOhsLZZdAoJJZgegmLN8LQ+UJbncNfS7wOdZ9cvz2jPrvrlWHF5Z0dqs30SRJDtFR/GrwvLBPfbYwx21QhBOZoSzPFhmX5OloxVGDc9UTnZMxppetQFGHI5meY8e7p1l1WQCh8YeWcMELb2DiPN4vqE+ynWS8RP6TsPfxRDECKnajxkj0jCg/IDOUJIwyUonBf2d/q1BacGRErp+rhfne6iNMDJOOeWUypv+anB8ZtV7xKDT4xFDM2vlAteb9RyQZdQHD9VqrVtOl4ExIB1SzC9kX2vqfl48C+2MBu6PrJ0iYsp6wMBCeQTGZV6WUBGhOdvjjXf/tyRcN0YmskoSW7aRPe/bBr0D/aMqnTy/svP5cJsnGRdkVXlwhuhN/KAdHQkoEUfGaYg8uUJg8YgjjnBHU+iXuaMK/aCLQEyduSwxdREPxj7zThYEJLxzhbGFbaLhfnGeZPU/CdfJmJclJijvgNHuYW8NHZTxlB1jQMakln0EdTqpA099fF32KquPhCDRBIewnrtwnvrfpRyLXHGWNadpiuY4dBN0lBA8Q3QagguheZX5IFTqZ6mllsp87sgqnJ2eouvDmSMd0TjNi8pPkejDajxPliyNrU90q2+1A88S2aRX0Wjq0IHb0T0YE4z3LJmZdS18ji6QdZ9VZFudfU8S0qvof8jArEQC/ElS5neqv5IwtdxyywXbNM8O5V7l/WpijzGQsj1Lj4Eqc0hZqupHUOQjYhN1HNYa+jIbPIfsBg3n0m/zVh5l2cNldCDohX4D2FXYV3lw/xDqS/Qzgu9Zq5Ni99HYNkedOutIZ6BXVHgowUF0M0TWoCS6LQclioY00AFhmRWkAAYlnVlClC4rasogDTlJspRFhCsTap5jKca9dwMye/VSRA/3HxIwOOmyJsG6YDKTxpQkqz2pORxyvgBZhBjoWUpX6DcRujz3Tp0vQJTYTw69oldtwJJiJvyQAkp/I0IeGnucT1+VyicTDkvuQ6Cg6P5LZkBoAuS8fosNe+OFNtdwvaE24lnS7zsNUoDOtCqCmpVkKoUIyRFARqJchAw0TR1yOiZ1Py8y5TT8LQykMvSzrD/ooINS5TQE4zhkbNAfcFDruR56Ld9DdPr8yjDc5sm6IbMty1GQJVdoryzjfhDpB10EeqEzx9RFPCREFTnkPGR5htqe+9V/l2A5yRR6LGbNrSMFMuBDwUb6EvZjneDI0/sMeHiG9J/Q8yFAmrUfQdYY6DcGxXbsBMYmZVJY1VQUpIC6deCyMCZwtPkkD03oWnDes3In7z6ryLZuEfIFESzKClLUAXX2s3SCkB0KrLANJTxJRsIY6xT059D90jYhuwF5LZ3QwLlFc0XIPiFhr0yQAvrFJ8hvahuV+w/1JWQCAcesIAXE7qPD3eYYTgyLQAXOF+qHkTGoN5TRkEnGMnO9xOr8889PM1U9KA5E4vLgHF3+g6VaXEcWLFciMzPLWQIYCmQF4AwomgRj3LsnRlmIPKjpRibEVltt5T4Jw31cd911hdFZTxnjt4pyxnI0sj1woOb9Nt/zvFm+mwcTDI6uE088MWioevhbOH9Ytq1LDbULf5tSEix908t0yQLIg6WEsehVGzDxkY3GWA45GiXU8SWLiPEZUgowFhlnefV+WR6MTGCpM+0bmiSzMreK+jFlRKpQJUOMbKpbbrklXWKplQsJ57F8nQk+lsGDvKNdUVb0M0KZCEF2KvKa681rN5R0rhUZOd1007lPi4ktp2NT5/OizfVSWQyyMrWEPXXJ+k7hOVG28cwzzyzcoJh2JbBBxhdL/7OIKduKZHIZYjy/MgyneVKXQskq4daJjkSggqz2vPJr3BsOEcohFbWXJK/9oc65oyz9oovE1JmrEFMX8bDCgX1oGC+6D8g+PXr06FTOysxVDc+EbM5f//rX6catMqPeo/uRHjf6WFJ2jPUzrErU45KEFEpbQN79dwpzKeOnTLYxqy8onZlXloa+TfINeozWITq1BWPbkv2qT7QD4xTHPvoHz4m+g47BarO8sa6JrQO3q3swB/NsyCbWcl2CjMJ5i86c55D0lJVtmrr8GFyDLltZVI6nDsjqJ6AlV26F4HpJdsBZXsb2qXOMVZkX6pCheePDU8Y+orQS5YGybC7+Ds+FvRdoR8a41mWL9HACIvr38+xQTa/0Gw0rR1ghQbAgq/2RF+yTgUzIs2M9sftonTZHTJ11pDMsSj9pWAJLPTSW0bCr/VxzzZXuqM8rZjZBGWRJETq7XAbIJqiPPPJIuuwUA4DNPhncnTi9+une82DZFVForpO6cmxWjPLGdeqNi3sJ0W+yy7jGN954IzUwWeLLdbb7nFjWSrSWe6duIFkplFnAOOy2w7NX9KINEHVE3hlvLFmmRjMlF1iiynMtM1F6WIL7xBNPpC+cOosvvnjm2OVvkUHE/VFvOMv53i+wIoz74vnwQrHyY5P2qsOJ1Qn0H2Qe9UG5Xspq8Ty43rIOum7L6Zj0+/PqZ1lPuRUvD1544YW07yAPeNF27Tj3R6J8t3myGowJZBYvdDbaiQzTMg4cIy690Jlj6iJVYR8Z5DGlLshCJIhB3ws5E5CPZDoSVCDj0vpnf0CZC2QjfcfrJfQdZCP9p0pSxqARS58gCYG9D/i/BIYHmRg6cAyoP+9lGi+cppTgQcYMep/k3tgPzmfP44SmVGYZqNNPUCmvBFI7UF6G1VS8aO/ZZ5891btwANPm7QZtBsU/0yvoC9gLtDtjjjbx440+r3nwwQfT/YNwhmM/dlN/7QefIHvKsLcj14D+QQJdls5Rljr6qPnm+pNhGajoJ/IcYIZhGEbvMTltGIZhGIYx/GG/JhyNrJIJbSBvGBJWQ8rMdlYrlFn1iBPVl9WhLM8WW2yRvjcMwzCKGRalnwzDMAzDMAzDMAzDMDSs/mPDWYIUQMlRwyiCEqoekpnyyuh5CFJsu+227qhZhsswDMMojwUqDMMwDMMwDMMwDMMYlrD3wYUXXpi+X2eddSrtBWSMTFhtffXVV7ujJN17sMxeCmxqzP4jQI17St4YhmEY5bFAhWEYhmEYhmEYhmEYwxJWVMBXvvKVtHxPv+25ZvQeNs1lpc2+++6bbL755mlpWAl7TZTB97U999wzDW4YhmEY1bBAhWEYhmEYhmEYhmEYw5Kvf/3ryQ033JCcccYZycwzz+w+NYwpvPPOO+k+deedd15y0003uU+bjBkzJt1ctwyce//996elxiwgZhiGUR0LVBiGYRiGYRiGYRiGMSxZbLHFksUXX9wdGUZ5KBW20047uaNiVlpppWTOOed0R4ZhGEZVpprUwL03auDWW29Nnn766fT9tNNOa/UwDcMw+gyT04ZhGIZhGIYxcnn22WfT1RSPPvpo8uabbybzzTdfssoqqyRrr722O8MwDMPoBhaoMAzDMAzDMAzDMAzDMAzDMAyjZ1jpJ8MwDMMwDMMwDMMwDMMwDMMweoYFKgzDMAzDMAzDMAzDMAzDMAzD6BkWqDAMwzAMwzAMwzAMwzAMwzAMo2dYoMIwDMMwDMMwDMMwDMMwDMMwjJ5hgQrDMAzDMAzDMAzDMAzDMAzDMHqGBSoMwzAMwzAMwzAMwzAMwzAMw+gZFqgwDMMwDMMwDMMwDMMwDMMwDKNnWKDCMAzDMAzDMAzDMAzDMAzDMIyeYYEKwzAMwzAMwzAMwzAMwzAMwzB6hgUqDMMwDMMwDMMwDMMwDMMwDMPoGRaoMAzDMAzDMAzDMAzDMAzDMAyjZ1igwjAMwzAMwzAMwzAMwzAMwzCMnmGBCsMwDMMwDMMwDMMwDMMwDMMweoYFKgzDMAzDMAzDMAzDMAzDMAzD6BkWqDAMwzAMwzAMwzAMwzAMwzAMo2dMNamBe2/0GePHj0+efPJJd5QkyyyzTDL11FO7o/a55557kvfffz99v/DCCyezzTZb+n6489577yX33nuvO0qSxRZbLJl55pndkWEMNs8//3zyzDPPpO+nn376ZKmllkrfG1P4xz/+kUyYMCF9P8cccyTzzz9/+t4Yyv/93/8lTzzxhDuKN/+U5bHHHktefPHF9P0MM8yQLLHEEun7fsPGnSExGTMyuP/++5N33nknfT+SnnOZ/j1SbYxeMJLsmjI6iclfwzDq5D//+U/y1FNPuaMmn//85927kcvEiROThx56yB0lySKLLJLMOuus7sgw2sMCFX3MEUcckZx44onuqKmAdaqAImCXXnppd5QkBxxwQLLzzju7o+EN7bf66qu7oyQ59thjk0033dQdGcZgs99++yXnnHOOO0qS5557zr0zPMsvv/xkBXPVVVdNLrroovS9MZTLL7882W233dxRklxzzTVddcKvu+66yQMPPJC+X3LJJZNrr702fd9v2LgzJCZjRgaf/exn0yAlrLnmmsm5556bvh/uFPXvkWxj9IKRZNeU0UlM/hqGUSc//vGPk9NPP90dNfn3v/+dfOADI7tIza233toy91xwwQUtc5NhtIOVfuoyKFo77bTT5BcRyCx8RlJM9G/W8Tf6FR2TG4QYHRl7u+++++T+cuWVV7pvjJHACSecMPnZH3XUUe7TMHosWww6n5Ek+2IQo72q9OdBYbiOuyq6Cjz88MMt5//tb39z3ww2nczBI1HGDMcxXkQ3x3zVcVknof6tPxuJY6CbDKJdE4uivmV9zzCM2IRk7FRTTeXeDS+q6PWs7jOM2FigosuQ/YKh6182sI083nzzzeSyyy6b3F/+/ve/u2+MkcDvfve7yc/+lltucZ8axmBi/XlwqKqrkEktz6dMx3DA5uBq2BivF7MhDMMwDMOom+Gq1xuDgwUqDMMwDMMwDMMwDMMwDMMwDMPoGRaoGGHMOeecaUagf2277bbuG8MwBpkf/ehHLWN7uC5FNYx+wsadIWEvFd8XfvGLX7hPDWN4YP3b6PQaM5kAAP/0SURBVGesfxqGUSebbLJJcvbZZ6f/GoZRLxaoGGGw2c8ss8wy+TX99NO7bwzDGGQ+9KEPtYxtwzDqx8adIZl55pkn94UPf/jD7lPDGB5Y/zb6GeufhmHUySc/+cnky1/+cjJq1Kj0eL755rMEJcOoiWEdqBg/fnzy0EMPJffcc0+aXfHGG2+4b9qHem33339/cvfddydPPvlk8tZbb7lvugsbPPL3//SnPyV33nln8vzzz3dl47C33347eeyxx5K77rorue+++zr+u6+++mq6Oc+9996bPqdnn33WfdNd2Bzp3//+d3pPt956a/LAAw+kz3ok8tprryUPPvhg+vrf//7nPu0f6G/0ffoL/Yb37777rvu2Peq4Z8boE088kY4VrhW50Y/tCdS59m3KdT733HPRal/HlsMvv/xy+jv8HvLvL3/5SxTZHou6rm/ChAnp79LnkVP8nU7g+SLLb7vttihjqJswjh555JH02mO0BdBP+S3amLHbLdAheA633357KodiQRvxu/SXO+64I53T/vvf/7pv+5c6ZHFsvaUu6AvoQ8gO/o1VDxj95umnn05/l/7AvNTNPt4Ovda1kbf0F9oLPTUmvdax+m0OZe5B5+B66mrzIup4Jvymn7NpZ/a7yQO5RBswr/FMXnzxRfdNe9Rp1zA+GJ9c7z//+c/0uFN6rZPE6gP90J+Z8x599NFUftL3ivoSMoGNc+knPNde2eKdwn172YbdwXPolDr6OvTDM+JvImu4N3xJ6AadUpfuSbvHtIE6gXv81a9+lb5fZJFF0n+z8PMAbYyeTxt3U7ah66FP0md6ZQMwFzEWeXbI91g6aEw9kf/Lb9C3uEbarGjONupnqkbnGbp9/YBAJ//mN785Wbj/+Mc/Tr70pS8l119/fXLyySenHVfzsY99LBkzZkyy4YYbloqAIkzOO++85IYbbkiFzOuvv+6+mcJ2222XbL755sno0aPdJ61873vfS/8v4AyRv0Ek9oMf/GD6/iMf+Ugybty49D0cdthh6X142ESPie1nP/tZcuGFFwav5atf/Wpy0EEHJXPNNZf7pBUE/brrruuOkuT73/9+8o1vfMMdNbn88suTn/70p+n7eeedN7n44ouTV155JTn++OOTiy66qK2/q6E9f/7znyd//OMf3SdTQOjTZhtssEHy61//OjnuuOPSz/21tAsTxRprrOGOkuSYY45J+8Fpp52W/PKXv0yeeuop980UvvCFL6TlsdZaa61kmmmmcZ8OZc8995zc34i2n3HGGen7PHbYYYfkr3/9a/p+1VVXTQ455JD0PZP6rrvumr7necmJhQyhOeaYwx0lyQ9/+MO07TsF4XziiSemSvXjjz/uPm3C8/jc5z6X7LbbbsknPvEJ9+kUcBh+97vfdUdNOPdb3/qWOxoKY3azzTZrMQb23nvv5Gtf+5o7amXixInJqaeemio9oT5Du9CPN9100+TTn/60+zSfTu7Zw2SGPPFccMEFaYb1CSeckG7AGhoryCz63YorrphMPfXU7tMmTLp859HXteCCC7p3Sdonx44d646StH2QCzDjjDOmS+DzwHA66aSTkj//+c+p8qBBVvJcN9544+SjH/2o+3Qo3ZDDyL5TTjklbdMsVlhhhfT3WI6b9ZvLL7/85HG+8sordyRPJLGu74ADDpi8Ae3Xv/71ZK+99kp/G9n729/+Nv1cQr/feuutU3lJvyuCZ4W842+ExhF9fuedd077FrKX/u9hk9zPfOYz7qgcnfRn5ilkISy55JJpf0ZxZP77zW9+k34uqdoWwPg955xz0j6qFXjagv6y++67JzPMMIP7dChF447+9u1vf9sdJen1I6NoG+YJ+o2HORR9ol1wbLMknZIXIdkDyLb11lsvfc76vqrqKueee+7kuU7PVcgMsls9yMb555/fHbUSQxbH1Fs6mYORmcyJsNpqqyUHH3xw+j6Lf/3rX2kfwNjCCaJhzPGbX/nKV3JXwPI79H8P7UHGH/3hrLPOCuo3/DbX99nPftZ9Up1Oxrgkhq7dKTiB6M/IA91e9Gf0E/oFJVRpMxzLwHzHtefRSR9v14aQxJqjivo3bSL703777Td5LGkYZ+ggv//9790nrdDma6+9dmqnlLUtqhBD7oTmbGwN5E7oWay//vqpTrX66qu7T5pjlWfD/9N88YtfTPv9mmuu6T5ppU67RsPYxDnng70aZNR3vvOdVLcto9dBbJ2kqvyN0Qc83e7PoTnvpZdeSj/jOWkZSl9i7kcf8TID3Z/zb7rppvRYguzeaqut0pe0VXC8rrPOOu4oSb/jnsvoXeeff376vD3YAfSbTnjhhRfSZ8i9IMM1yEjGBHNHFR9FjL7eq2ck4ToJHAByhHKl2BNnnnlm0D6j3zMHMN9hq5WhU93TE9MGIviDX8Gz9NJLp+OzDNKnA8jSj3/84+l77Ab8Nb6vMfejA0jwbfB/sA9C/QeQXTvttFPaJmXlZVl4BvghfKBIwjNFrjEe6G+advV6+ie/6eG7lVZaKe0XtJGWr1BVB42tJxIcv+6669J+odvJwxhjPDC3lLUtjXgMdKCCyXLRRRd1R02HAYJDGv5ZoCTioMgS7IACs8ceewQFeQgcs0cfffSQ35TOsTwQuNJQ1YEKJrVddtlliEMlBI4TlDRNGSNC/l0meNoJp3KWsJVk/V0PQubII49MnTVFHHrooakC4icWroWJp120Qr/PPvukhkTIONDwt1E45p57bvdJKyGnWhFM2l7IovT4ieHKK69MJ68yYJTwbDqh7N+jf+LwCE1sKPK0j4TsjJByj8hBqcKR7aFPYoSEjCYcMDvuuGOp5wQovihCXskLEeOegbHBGPIQVMMRk6WoSVg6isySzicyDpZddll3lA9KnBxH++67b4uzhGybLOUHRausLAFkAs8sRJ1ymKxnHIHeEVwGfhMFfLrppnOfTCF2oCL29Uk5suWWW6b9bvvtt0+P80A+XXrppakhlAX9gXEUCkppCJxiUNOnPO0EKjrpz1qmbrPNNqnxUESZtsA5wlwt59csCDzTR72Roikad2TM0dc8BFlQ9rlfPf4wIAlgtwNGEUZdWWgn/o8MHlTVVfS95/GHP/whWXjhhd3RFGLJ4ph6SydzcFkZg+zgGjHMy8D987yyDDptJN54441pfyKDrwhkGLpuO3Qyxj2xdO12QSfBOJdzeR6cS9/3fasoUNFpH2/XhoBuz6FlbAyg33OvZcHpstFGG7mjzokld/ScTRC6jBzG6ca4QWdEhhSBXiud9J467RoPOt5PfvKT0n2I+Ron1eyzz+4+CVOHTlJFx4vVB6AX/VnPeejcOKWL9HquFRvp5ptvbkmiyALnNvbptNNO6z5JUie2lNenn3566nAtgr4q+yZjRwb+q4IdiS1TxubiOdJG2qksid3Xe/mMPNLXQKAUm/OSSy5Jj4vgvLx+DzF0T09MG4hkPPR3CQkhJBrkQSBpiSWWcEfN9vPBEzj88MMn+6UYB+g0lFX34LPAp1OmTwLzJf1NBgA6gRUyOOvL6AwkFur2bVev1zoowTXGRhn5XkYHja0nEkwiAFHm+gC7jaQn2TeM+hlWpZ+YAMo4x4ABlSeomRzILio7IIBAAgo5TpA6YNCVdSz+4Ac/iLJUnixpHJRljH3I+7sIBRSzMkEK2H///SdPBnVw1FFHlXZ+I/DJyCjbDoMCE1JZhwyTLplgZMRoUMZQFCRMKKHyQfx/GaRAeWR1TShIwXmrrLJK6ecEKBEYAVnEuucQZEqVVU4IZqGIlT0/FigPVWQJ4GwouzFhTDmMgl/FwQL8Jk6WblDn9RHoK6OgA/KJfp8Fij+O2LIKGUq5dAj0GgJfZYIUUNQWGC+svvLGYxHeEVS27YpgTg0FKTqBAH4VQxFop7JO8rqoSxbH1FvqgIQNDLoq7c/9s3KjrE5KhmGZIAWQPOKzkLtNP+ja6CplgxSAo6ls36pT3yhDP86h6AdVnLrAM6qiB+ZR1zPBuVNWDhOQZk4rE6QA5rQy9x/briGYQJCgSh9ivmaOY7VVFr3WSWL2gV73Z+BZltXryQZnJWEZBzhgh+FYlmC7SHSiWgiy+uU9syqjkyAFTkhkMc+nDJzHdYdW7kBdfd3T7WcUggBpns2lod/nJV7WqXt2agOxTw1VFiQEcYvQ90sfk7BykUTDI444YkiQgpUlOL/L9klABuLvigHBGlaf0R5lIFDBqvE6SqEyv5WV70U6aGw9ER2cQGAVu45xSwBIVgIx6mdYBSqYMDwIFrIlmBSJbpLFSORbgpAJGafUJMNw1dCp+U1+j4kO56qO1jIJHHjgge6oCVltONx5kakkQbD678oaJyzbQjEiKxphxJJVopESFE8if52CsPUCj79LtnS7fxfDhzIzEpRkJk1KeqC4oujL7NNugaJB5JealvQjFBUUCgn3TKAFAVcnZAj5PoHRIaEP++94lclgyeKqq64aEjXHeGIZHAolS17JHCSbQMIz14bNTDPNlGbUSHjWWnlnItLGBhP9PPPM446mQM3kkAKE8nb11VdPVnpRznRWFcZfyAiIec9FIEO8vECZo31YbinBkSRLYcw666wtz1cvu5XfERSpCm2Cci8hUMTqJTJwaQOWVCKX+FzCdXI/RcSSw/wfvpOgtKNEkjVKJi/nMFZ1lnE3AhV1X5/MjEVBo5+jVCGHUNqQWRLaFjmqQQHFCacVZ7Izff9E+aPfZ5WXaJc6+jNlK2jTdtoCkKlSOaWfE2hlXiNjh3+RH7L/03bIohjKPPJPG6rIL+abZZZZxn1SHuYjbUj5/kJpQYxvxjX9khJtEhySfO+pqqswH/rP9EoQDFz/HZl+sgQQ1CmLO9Vb6p6D6b8yQw9oH3RK5grG5BVXXBHMoCaDj35ahJTDyG7frnxOe5AdJinrMNV0MsZj69rtwBjQ5ZDoc5Qn4W/TZugbOI70nFhErD7erg3Rj3MoTgNf5tSD/PY6HXsqkPXKuNN9tKiMTxm6pQNi2yD3kMFkuPoSth5+C0eKhzmauYyxjR0SGo/YKFWIYdeQXa7vGz2B3+U3+W3e6xK0lPmgDUK/20udBGL2gV73Z4lvT+wM+g9zCSs6sbF1Ipksv0SfYHUKMoEX/VKf71f8e8h8l/IQmUImeh60uwSHbrswpnxJJQ/XTGCWuZV+Tbsz7nS7089CzsY6+rqmm8+oCGQ+f8PrHMyprMjSUFoppHPE1D1DcJ+edm0gXXECR34R/I6EVSgSVoFRzoiglwxSAAE72YcYI/RT/FvIAtqD56ivnf9XxWke4plnnkkDoBL0Be6HeZ4X73WpNfQfWa6uE70+CwJT7eqgdeiJXINMmAX+Br/Dfm70Md7rBDk+Z24wugilnwaVCRMmTGoYRUNejUnKndHKxIkTJ6244oot5zY6uPt2Cscee2zLOaNHj57UEKru21beeOONSY1Jr+V8Xg2B4c5opaHQtJzXmLTcN0M59NBDW87ltdVWW0169dVX3RmtNARwy7mNQey+mULDMGk5pyFs3DdTCP3dbbbZJm3vEGX+7osvvthyDq+zzjrLfdtKQ/Gb1BBqQ85fbrnl3Bnt0ZjAhvwmr4Zwc2cM5eKLLx5yfkPZct9OYZ111pn8/VprreU+zYd+5f/Ptttu6z5thWftz+HVMErdN51Bv1tyySVbfvuuu+5y37by1ltvTRozZkzLufvvv7/7tpXGxNVyHq+GspF+15hsJjUmzZbvGop6+l2IE044oeVcxu4jjzzivm3l7bffntRQ5FrO33fffd23Teq454ay0nIOL57rnXfe6c5ohetsGGhD/k9DgXFntEJf8ufQx/JoGFEtv9kwBt03TThuKNMt56yyyiqTnnjiCXdGK43JuuXv8+IZNJRTd0aTuuTwmWee2XIOcjkLxskyyyzTcj5/R4MM8d/TXzqhjuuTcsS/GAe6zT0NJarl3AsvvNB9M4Vx48a1nMOroaC5b1t57733Jv3sZz8bcj6vhtHnzmqfKv051BYNo7Ojtmgopy3n0A8bRoX7tpXx48dPahgoLeeHZH/RuKNvy+/l6+ijjw72gyroe6JfM4eG4NqYa+T5d9xxh/u2lSq6CtCn5PlZ4x/qkMV16C1QdQ4ukjEvvfRSy9zPq2EMTnrttdfcGa3cfvvtQ86nz2luvPHGlnN40b+z5Pujjz7aci5/IwZVxnidunYZGCfMgfL30LGzngVtqXUYXltssYU7Ywp16VhVxmUv5tAiG+PBBx9s+X7LLbccIjM9Tz755JC+nyXbylDHMwnNU8iiEJdccsmQc3l5HVlz+eWXt5y30UYbuW+mUKddw9ygzzv55JNTPUHDMwzp/1dccYU7Ywp16iRF/TN2H+hlfw7Neej42Fqaxx9/fMi5vOhjIZB1+lzsF8nYsWNbvr/gggvcN2Gk3s8z0L9XBcaC/Nu0+yuvvOK+bQWZpJ/5lVde6b5tUldf7/UzAt3neO2xxx6Zuue99947pL20PQ116J512EB6js+St/DCCy+0nItuVgX6ofz/eXYT/g957qmnnuq+aQ/0Xfl7p59+eqYs0vovbRRq4yp6fUgHRR6ja4Yoq4PWoSfSNvL7vPnyuuuuazk3pO8Z9TGsVlQAETFKxYSg3irL4SU6osvyPR3VIwM5a98FNlahzIzO6C5bJqUKRGa5tqw6dkT0G4PIHSXprvox8H+XrPkQZf6uLgXTmNBaNn6UUE+OrHmdzVIHXIOOGEu4Tl0SoGzpqn6G5yGzehvK1JBsfw81L3keDcXFfZKkKyXIxtOw2ZDOgPJL78jsI6LvIZuDDKUQXJvOBOSas/oEZaN0uSei95K67llDpgFZ3yG4Tv6uXjVUNROmHWgPMgQkZJVlbXBLTX6doUnmECsuiuhUDoNefUX2RBbIxLXWWssdNal7eWY3ro8sIrK/svZb0dkzZIJIKL1Gf5NwnFWjl+wg7iNLNvcSxhT9pt22gDFi43tAJmRtrkjNYcayBF2ANo0BWVWMk1Ad+Cr4TXY9tENWTVb2ztDZgNRk7jbdkMUx9JY6YJ56XWQSk5FGFqjMTpWsuOKKaaaYBLldptQEWbxZ8n2hhRZqyWjlmrq5pL0fdG2y7WTWJhl+ZPplPQvaUmdiZ9EtfSOPfpxD9TijH2btpUXGsM7YJaOxXbrxTMiU1fOMR2fRAiUvRmds+qkzecv2h1h2jT6HDGL2A9BZxMAzZINuvpewyfEksRVmr3WS2H2gl/1Zw1zC9cl97zwLLLDAkNVY9C/KYIZA1mlbTq+Y0Csi8koKYfthP3goyVNlI3cJ2fSyrCHymjmSUj8hmOdZNSvRZRHr6Oshuv2MQpB1TpZ/lu7Jyl6uUUIWudY5uqF7dmoDgd5fkXk/C70RPrKyClKfgLwVB3rvJlahtAsrhuW1r7POOmmZoixZxAoX/DUerlvfewzQ6ZCJIcrooHXpiazskOQ9J8aYnAMoSWZ0j2EVqGCyKqo5uajY9BW0g8xv4uOhc2rhqkEQ6KVFlHmJ5dDwIJBHjRrljobCdSy11FLuqLmJZwxwDlGTL4syf/eaa65x75royUWDchBa6hWbMjVKUZCl4Uof6VU951iwLNmDca6VZw0Kpa4piaNNQ19AAZJL+lhix6TImPDQnhgMWYoqS68lGDGyj4VggyyUSyYoXhh/b7/9tvu2vnuWEEjRimMIHaCJUaatCJb3SjD+QpudS6gfu/fee7ujJkXXGkMOA+fwjHixHDmk2Etefvll9647dOP6cHhkKZqgnx9LfyUvvPBCiyHMsymjeGsFuh/Yf//9O2oLnBNyaTVOoyKZwm/KcjUo81klpaqAAaEV6XZhbvb9kFfRPb3yyivuXe/ohiyOobfUAWUpJJT1KdoUGucFBrskz9gGam3r/6NZfPHF3bsmuuxFnfSDrq0NTubEIjlOmUpp4GfRjT5eRD/OoTI4CDgYdQKFhLmI5AhelKfMcnqUoRvPhJrqWfMU41w7RCjllgXn61IWZYhh1+Dw1E43XQYjBM9L/i4OamwAT691kth9oJf9WYP9k7chry4VpMvxaPKcd0DflCXjKNcVchSDbHeghEy7sIGvBB0NB2Ue2JAEpLx9OMMMM7hv6uvrIbr9jEJQxjRPlwY2+tfBQ0o4Sbqhe3ZqA4EOEGPDvp9RxlWWfUI+rLTSSu6oHCT4SbD1KWMdgrKZ6INeHhAUbRf+v0SX2A6h/RCUn4oJOmjRRuxFOmhdeuLcc8/t3jWh7fNKkRG4k3Lb6B7DKlDBpFk0WcnJCd5StdF1lA2lMxRR1yy//PItETdgU52YfPrTn3bvspGTpsza64SiyQfy/i7Z9DKTAmUhK8tPorO7YkPEed5553VH2cw444xDsnmylLFBgOchlTIyNoGJO++lHWtZdbJnm222lqAE6A2QyCDVE7pE9hdg49EysAoDI4LXxRdfnGZEQd337KGflJEXSy+9dMtvM2ZeffVVd1QPWhEvMtA822yzjXvXRP+OJoYcBowP6m/z0iswPDxXjAOUkiLHXWy6cX1aidOgkEnZKwNzoLP1qE+u2z4Exnco+7OXfOpTn3LvwhS1hc58XG655YJjXr90tmUM2R/L6QI4unw/5MV8pSHLDwOOlVtlDJg66ZYs7lRvqYN333235d4ZZ2UC20BdZImeIzV6z4EQuq/wbLpFP+ja1DaWlM2exNmUR7f6eBH9OIcSPJHjDnDGoeNRd107C8iSZh7k1Y7T3tONZ4JjS/dNjUw2Y/znOS0hLzktRCy7Rs+XZMCTDFQEz0uPD9lmvdRJ6ugDverPIdZYYw33Lgy2maSoagGO1CL0sw7JEPQP6QRFp+okQKPnjjJymyAt9ey9fcgmwp66+nqIXjwjCX2VjaDLUOT36Ibu2akNBDwn2UdwhutkSGAPCemrwEYuSiLRoJ9I6HPID9qHFY7a1uX5enmgn30VZJCZ9iCAFZJl8oXclXqi1oc6JYYOWpeeqO069Gk+I4hH9QntjyFBxT+nPN+VEZ9hF6joFJ1Vt/DCC7t3xWiBitCLCcsCe0E7EXuJVtTK/h5OZp2tEhMUzLLofhD72XYTrWwwkWLYFL10e+UpZDgBs1bEsCS9KAilf7vTiaEb9wxVxor+7VAmSEzYfE4S2sA8BEoeBrgHQxOHWxaxjS/Piy++mGYzHH/88anTDoWf7CP+rWvjzyrEvj7+b1HApwjdX6vMITEz/TqFeaDTttAKL9lEoTGvXxitkk4DFSjvlJWqCzaeI1Ocpc44Ksk+QtZQOovs/V7Tj7K4W2hdaIkllnDvitE6iHb4aarorr2gH3RtWWoB4z5vBY6kaCVit/p4VfphDkWfCMkhNlclixlnAUFGyqpQejLWKp9uPBPmqTJOFE9WWbpO0NebR55do523VX5Xl7KSum0vdZI6+kCv+nOIqnqFDrBo8jLZPWzMK3+HBDENm1DL+aps4lkW0qFaRW5nUVdfD9GLZyTh3rLKKGn02NTtpImte8awgTwERCV6w2yQK6WA8qBVwb/BdUtIgqGMLIFW2pQADyXnKD+mHfPtIld68/fwmYRkmX7JVeY46wlgxCKGDVmXnkggIxT4ZsN2SoXhx2BFCCt6xo0bl/SiRK7RZFgFKmIoff/4xz/cuyZlMv892jCO7cyuQ6ktQ9FEWYSeuKtkCBUZhJ2gl37loa+jyEnQzxQpG2XRjj/N7rvvHuw7ZZb86tJaVZ5ViG7dc5XAmpYtecsOO4W6j7IuL5NwFYNaT/h59dFjyimycVhujMJLdgTZS9RdJ2uLLNBeU+f1FWValkH3+yrjSCvbvUQGytqlaOyWpdOAYl1zGoYKJWkwDqhpPHbs2NRpgCHSjdUCZemWLO5Ub6kD7aSrYshhVEqKyk/2Sl8sS6917QkTJrSMiyoOU2p758313erjZejHORSn0TnnnJM5RtFVcCQRTCawu+666yZ33XWX+7Y9+umZ1Eksu0Y7iKqMDz0+5e/2Uiepqw/0oj/3C2RlS5sOZ6dOirrqqqvcuyas+mkXMtJlf6rSL7Ooq6/3I1X0T61zZMm+unTPGDaQh3Enn9Wll146JEggV/1QNrOKTuJhPFDqXO8vJGHVBnsCMW5YKU7ZoYkTJ7pvq4MuI+37TohZCSbG86tTT2QvC0piZsHqO/ZmIfhEwI0+3s3yqEaTYRWoiIFeluVLx5SBWpaS2HtUDCq6Pl8VB2mdNXOrPB+MPUmsKHgv0PfSLkUKGZN+SEmhBEFR++nnHlpSWoVu3XMV9DWFlqzGQrd3Vdmk5WA3ZBtLLzfYYIN0+bHM+pBgGKJQsnqnneyXTuj36wPdx6qMAz2fDTqxZECZTYzziB0A4r7YCJJ6wnmb4bH8nL6q69J2m1jPod8dAiG0jK+SvVZFbxoEeq1r636Yt0owRN719ksf7+c5ilW1ODTJvi0qRUKdau6DkqLttu1IkTux7JpOZJUulyKvSf/NKs+lU52kzj7Q7f7cT2y22WbuXZMrrrjCvWv2G0pgeQjqZAV0yqAzm2ME5Ovq6/1IlXlO9039f/l+UHRPVp7gaPbgm7j11lvdUTOIKfcX0X26Cqyy8nvVsLJEO8wlXMdpp52WrrJod26JKUNil6zvlDr1RMYu/ihW1lKaS5eD0tDHV1lllSEb8Rv1YoEKhY7WVVl63cmS1uGMzpgpmzmOsiDricamikDW19xOpF3CxNJJpkEn6KWnRPVZ2lb1dccdd7hfGAqTftZmZCgDRx99tDsKo7M+Oo1id+Oeocp16szsOjPYdR3T5557zr0rh65dWbZsVLswPlDw9N4mbCrLklmW6JINiny47LLL0nM7HZNV6Pfr8+iMKDYNLEvsFYG9RssAsphCY7zohULbCVWX/hdBJicvCSumqAdM1tj999+fzl/0SfpmmbqxddItWdyPaLlZZb5gE1oJz3iQ6bWujTNBOsyq6IM4bPKcCv3QxwdhjsLpQHb52WefnZblwRFAiRC9iauHuvJ6/7OyjBS5E8uu0eVWtfzJQ5dYkuU6eqmT1N0Hutmf+wlWXMt9PC655JLJTm0CpDLbu+w+QFnoOv4xVsnU1df7kSr3pvUTvQJ00HRPXepHln+Sq37QCzpZ9eNBnpIAgGOb4CT7dLDnYyhwgV+E/cqoflAVvXKB3w/JraIX8qpKOdJu0A090W8KTylAfB3IL/ShUOACvx3zRmiPE6MeLFCh0B25yqDQy6hj1GcbDmjFVC+zzEIrALGpouBop3KnQahOs3I7QW8SxpJDFIiqr6w2ICuLeqwSnWHEZtp5Bp922pc1UG677bbk2GOPnfzySlnd9+yp0me1o6NuJ4F0bDHZll0qSlvJa6V8RNkap+1CZprO0MGZcsEFF6SZORhFOJp6Rb9fn0cH/KqUrYhVJqFfmGuuudy7JpRvCY3xotccc8zhfqH34AzQgRMcI2wGR+k9NgtF9lWtY1wn3ZLF/YgOVBSVb5LozbMXW2wx924w6QddW14D82HZOsRFzp5+6OODMkd5yG789Kc/nZZZOO+889IACjqcLvtHyYx2GClyJ5Zdo+22os37JdrGk3X8e6mTdLMP1N2f+w0cfR5kKXsVgHQA40Cl/TqBlYXS0Yszvexq9AsvvHCybfjTn/7UfVpfX+9H9NyZh05okxt7D6LuScIeTmYPgQo/58uyT2yGH2tvDA92A/u5HHLIIWnggnKM/B0Jdrkuk1YG2lj6TMaPHz9EZpV5Ia/6DS1r69YTqd7xxS9+MQ0wEbgg0Mp7DTLd6A4WqFBoJYqJrQwYnDJzCWWkn4yAXqI3uiJyLDf+yUJH6mPDJMXmgkWwXAwDT6KFp3TclomIV3FQxIbaynJSo9+WWa6KYvKTn/wkVUZ4yeW8EpRAsgc8RKVZDr3bbru5T5rstNNOmaW9dKCCSb0M1Bz0iigv6kVC3ffsCW0kF4LAC8tCPWRwxKzHGUIr0GQNlEEqcNCNTN577rnHvWtywAEHpOUp8sAQ7Bb9fn0ebYDRPzHOi0B5R0kbTrChn0TKqDxQjP3456UzlHsJ9VvlyjyypXGM5AUSyyYK1EW3ZHE/orP4kQlZJXk0bPIn6XeHSBH9oGvrzEaZYZlH0Xn90Mf7dY6i5jMOLl55TlrGyaabbprupSHBCUpJq6qMFLkTy67R4xP5UyaQR6mOiy66yB01yVtR0U2dpI4+0Kv+3G+st9567l0T+iHtJuetLbbYIorjWs99bFxeBBs977333pNtQ/l/6urr/Qj6oix5lIceb3K+HETdE3RJJwIr3Iuc+2QwowoEXb0s4CVLSWlI+DvxxBPTPaMkunpBWdj42cNzKVtGitVfXq5xzf1GHXoiybTyOeUFh5gzWF1x6qmnuk+aVAn4GZ1hgQqFzvxmMiuz1Pewww5z75qstNJK7p0B7KIvoX5fHqw46MaS2KLrADZGkhkWKJxaeMpjzs3L8GBJ/nHHHeeOegMbK3rISCkj/P/whz+k7cXyRV4ofpo//elP6eQrIXiA8oKwlxkZKOihSDUsu+yy7l0T+kLRKhTt/F955ZVbnP913bMEp9MNN9zgjrLR/Y66h3XDJmeS448/PnnllVfcURiCbkceeaQ7alJUxzEGWqEtWm2CYX7zzTe7o/rp9+vzYNDpMacdniHIFpFGyHCAFRWyPAEOkjLKJoaoH/+8pKO515Rd2uzBKdMPAahuyOJ+hRrdEjLsinjwwQeHOMeXXnpp924w6QddW294ecwxxxT2K+TiSSed5I6y6XUf79c5Ch2R9uNFOZCifei4bpw6MRgpckfrlyGK7Br0Br0Kl/svAsc9bevBQSSDE73WSWL3gV72536CTOStt97aHTWd/cgT+czYlyMGyy23nHvXhFLCRftK4JCWyPmnrr7er2DT4YfIg/vi/iQy435QdU/sVxlwIRHv6quvdkfNviDthCoQmPOygNevf/1r90027G0TA8pGScoEHbD/999//8lyrcpqhW5Rh57I3hUEaPxzkqurssgq32fUjwUqFCxV0xFOnKl653kPkyMd/frrr3efNMnbSV5S52bR/YTcxAjI5DnllFPcUSuUz+m0jmVZyIAZN26cOxoKUfaxY8e6oyZkpulNerQRyPL6LJgQZKS3CmUypcqgMwZwluRF/8n40e2gM2g4h4wKCYq7bxtKrRC0kFCaIGQooCgQaJDstddeyYQJE9xRK2XKTdVxzyHYMCzPAYqBeNZZZ7mjJgRxiui0XNgaa6zRkk2GMr7rrrtmZnORUcQSXgxJD0pcu9kmVdB7auSVB8BopO5nDCO2LP1+fR6y1/RKJhTYvIwqjEvGbd30ovydLE8AyJS8mt7IB8rUeTBmu7GiqCw6kzwvGwvDlOf65z//2X1Sjaq6St5c1S1ZXAedzsHIAgnP44gjjkiN3BCUO9FzGzqqdPb1K3ljvNu6dgiMezknMtexuWLWqlg+32OPPUrJ8m718axx2a9z1Kc+9Sn3rslRRx3l3oXh/mS74WRqdwXNIMudKsSwa9Ad0P8kBPKoN58FTiT2XZAcfPDBLRsO91onid0Hetmf+w1WjEikvkXNf2R+DMiKlwkj2FusksgKVlDCiNUUElYAeOrq6/0Kq4lx5GbpHNjZ6MYSgvrsReLppu4ZE5611MFuueWWtO94tI1QBb1CE99G0SoSvddBu+WXKFckdRlWbuVVeGCsHHjgge6oyYYbbujeZRPLB1WWuvTEZZZZxr1ryo+iIJp+TjqZ1qgPC1QE2G677dy7JiyhYlLD+eyj5zhGH3roodQBryOXDCIpMCQzzTSTe9eE/4sSRlYGGw8NV6gN97Wvfc0dNUFBpPwPzmoiuSxVP+2009LIZTeWoHtwriOwEXx+4sbAZjMoltPJjAkmIq2Mga4XjdJPQIKloUB/QRiScaKVmzx86SIPwpRlx+zFQLCDWoTtwPLUnXfe2R0lqYGKYx8lm/7ul0PzLwoZ2fgy+4qsJLJHJDjopVObMgN60mcS1k55FMjQZK434+Y62KiOVRPekcDz4njttdcessxPb5xVxz2HoL8QFCAbhRrAKGlMnvRx/pZ2VJFhm+X8lMogv8sEjEF31113VartC6xq0StYuE9kG//6gAUBCvoXhoWucY2yqYN0daADf8hJMrTkSiX6GtnulPQJBf7q3Ay6369PgoEh+y39HhnGqi76EH2TF+9ZZaMzvmMSsz+3AzVhZbYUBhu1dJGpUpbiuCODUyvuWmHuNXoTSDI/mV+k85LnjY6BjAxl2mbtq1NVV9Gl65jLKdlH9hNzu8xC7ZYsjkHsOZhnpnUIViFuvvnmabt6nQEdhL9Du+jM506c83VTZYzXqWuXAaeSdpri4KWWNHWkfWIE/3LM53pOzKKuPl52XPbrHIUckqAn7bjjjukzllm+6Hb0G13He/nll3fvqjNIcqdTYtg16Nva+bbtttumZZBwTNJOXncgqx0ZJsEG0KuWoJc6Sew+0Mv+3G+wEW9WNvomm2zi3nUOMlAH78mKZj6hrDRzBqBzMIfS33nOHnwM2uaqq6/3KwQzCfhQBeCNN95IP8P2Y55jPODAl7BBtqRO3bNutG9A0skzxDaWNgP3j/xAJuhSYuxzhbzT1TXaXSnLRv4EyiT4WtCb8D3JeZ9jxoos64xMk+WjPFX0+rqoQ0/U/kh8kfw/Nn+X8AxJrNbJ1uzpYXSHqRoTaf76rz6Ggb/ooou6oySduFjGlAeTjFwChOMN57EGhSKkuAGGopz0JEx+1DvL2ogHJZGMrBD8rnTQE/GW2ZwonEV17DG6pPDRmyExqOUA22+//dKsakkdfxeYDHH0yPI8RZA16NsEQYMx1i4IZxzIReQ9Xwy9UJkelFAmd/6Ghhp30ijwyL+DAZy11HSppZZqCQBIyPrQNRfLwvhBac7KJsq6bp4DmSZy7xGUQR1YYDM1XSILmDBxgsu2YtzgAGCylTA+s+q+Zl0fkE0QinjHvGdgHxXGUB48Zwj1KZQDIv9ZmUa0KW0bAmVLtg2KJM5VDxMu2SMaFCP6TQiuJ6uvMXbJ/NXUIYdxDPH8Qm3GsyCrI2uMSmh7HDDeeYZRiJIDrNgpu6eIpq7rw1jyeydQHqDM3izISP+3suQIMhwFPHRNef1TQv9vd0m0p0p/rqstkDsoqVltMf300wfHAO3HKkA2c5QUjTuCsHJ1WJbO0S7Is9CciixDec8azxLum7aXy8er6CpAIDavBj6GLE4iT2xZXJfeAlXm4DIyhmAEhg+OsBC0b9Z4xPEfynzjt6TzBCNOZo2GQJ+RmZM33nhjxyuGqoxxqEvXLgsmEIkllAIIkTcnenB8SRngid3Hoey47NUcyv0U2Rh8lrUHHdcG/m9IeBbMA7Rbu8R+JlXnKeYeHxRivtIOQQ0rAHAeAo5U/95Tp10DBKu45lCbQNbv8jl6eNam/3XpJGXkb+w+0Kv+XHXO8/szeNhwf7bZZnNHQyGALnV+AqFFqyJCtiD3iUM8ZpITyWroUXo8eLLkNp8z54Rkax19vR+ekdSLs8hqL8DRG1r1X4fuWZfer2EFjd6jB3lUpmxeHgRfdGkyD/fKptokt4SeR1Y7V4HEz6xydllyDSh/FQqSVNHr69RBY+uJ+OyykqL9c0KHCvVh5pXzzz+/K0mbhq2oyASlLWR4QNaAIIsCJSbPcMKZzSAYiZCZSGRZOm3yYAKWAitvk6Z2YPMglstpQs8XZZMJM0uZJzMPB1SI0MSAsyFrMtPQr+qArBSM3qxJKHTdKDNMLFLJYyLTiinZSaEgBRCM0CWgMLb4Pxoc3qy8CZE14ZJZk7UsL9Y9Z0FJJ86X0J9CfYrsBSb2PMVfZ+3EAEVIL+v1ZCmWtGkoSFEXKPJSWZdg8On2JOMuZHRyXh2x+H6/Pg0GFJngobmHa9DXy3l6KXwM6ujPVfGKqx6nQDuExgDygjGggxT9AFlAoeeKLNP3ggMRJ5mWf/r5Q1VdhQzuIqNEUrcsjknsOZgyiBjTWXVvQ88DHYRs/zLL83tJ1TFel65dFoKKZCLqfdQ8IXnA3y/jXKyjj5cdl/08Rx100EGpkysE1xZy6nLPrP5o16nrGSS50w4x7Rqg5j7BXO9w14R+F92WFWdZQQropU4Suw/0sj/3GziKNTgYYzv12BMDR2hWdnxIbtPW559/fuY4rquv9xO0l16NAlm2H8k5Wc7zunTPbhBapRWj5Dh+D4JWWXKN1Vmhe2bFkfajtAP7j2TpqyG5BvgtslZyVNXr6yK2nojPjqBqKCjin1NoTHA+e6ZakKJ7DKtARUgwaKoYNhiROFDHjBmT+9ssm0bpoY4lBmgeGA9kjpMlo5cZjho1yr0Lo7PNu0XMv4tyQYYLgjxriR1KDQ5cFD+59DzL8d0uKKsETggwZCkmKKdkkqPMF22ARuCBFR+h5XMe+grPH2eDLimRxfbbb58anEz0XI+E9uwE+iPKsg4Kaej/BAyoMalLCqCkSwhEFS3VZomwrhmKQhSKblMqif6CAyRvHPI9mRhFykaMe86CzAJWSJBBmHWtjHuW5KNk6+ep4ZlfcsklaZ/SBg39t10IVJAJk1fKhuvH6KBPV1Hg8p6Rp4wcZok995437simI+jHUmzkJxlWmtCqkhjUfX2yhEoM6Ov0ZeapPOMY+cszb7dWah7t9ufYbeEzWZnb88Yg55FpzfzerlO0rJxvFzYnZaNI+mMWyByMIDb3m2eeeYKr8HQiQDu6Cplx1Pinr2k5EGqHOmVxTL2ljjmY/oThxTPJ0xnQTfj7N9xwQ/r3y9KpbtAu7YzxOnTtKhCARA/ESZU3jpAHGKn8/bLzb+w+XmVc9uscipFPSZ8zzzwz3dw0D8YbOiYZ2eiNMahL7pSZp6rqbVXHMb8f064B7p3MWTLDdZ+T0JZkkKPbFmXeA+f3SieJ2Qd63Z89RXNeVV0kTxZnwf/RwYONNtrIvYsL94vsIgtebyYs4ZpYNYfNU9SH6urrnn54RiQA4pxmPg3BbzInE4DJ2wC9Lt3TE1vvl3z+859vaTvGpVzl3wkkSrICgIBQ0fPBxiZxikoHMeZZdBnkKfN+3pgA9EpW4OjydZqqer0ntg4aW09k3JL8w1yZN/8A8yTJRcyZzB1G9xjo0k/dhHI11JtnWRdRSQQoGwvhPI+d6T+SYHkgy+Coa8jyRpZb+c2oqAdJloKPlmJAZa1a6BT+1l//+tc0MEIUlefK85199tndGdVgWT0rDXhR5oH7wsiNHWyJDddL/6YEBn2eDBNqUaJg9EMEmbYkK4Nau5QSY3JZYIEF0nZt9/o6uWdd+kkug6R2I8t2+V2WKfP86c9Fiku3YRk8so0XY5G25DqrKN9189JLL6WbyvJCmWNs0s6h58MYRsHmGWKUVHUMtEO/X5+GZa8PPvhg2jeRvcxnyCiup27Her/BHMRzQwbwYv7BwcM4oE1iO+nqBDlD9ial1Zg3MSSzZA7LmkkIoNQV2VT9MN77ff6pEzZ193KY58izo6TeSDOK+kHX5u9SooP5EN0QJwYOF/Za65Re9fF+nqOQRZTM4+9Su5tnPvfcc6cvaRPUxXCVO7HtGuA3/bPihWMMOYW86iR42GudJGYf6HV/7iX0D/b98qtICNwUbVQbC/oNdfORdVwHzw/7EDuxndWwdfX1boPt6f0ouvwi/Z7scd9P2RweOVG1vQZN9+R5EqzwkLyXVWmgE5Br+CvoR+g1+DDmmmuuVK7QL+vW79Bh+LvItVdeeSX92zxfXu0mX/UDsfVEXOHMkX68I0uQ1chsnhM6oNEbLFBhdAU26mVDKg9ZXEXKGpnpcjNmNmoiAmwY/UJeoMIwDMMwDMMwDGO4w6oFWQaLkpkxSuoY7ZMXqBip6L0a6bdlVs0ZhtFdbI8KoyuwxJZST/7FRstFoOBI5Ia9hmEYhmEYhmEYhmH0FkplesimzysLZBi9gGoHcvN7ylRakMIw+hMLVBhdYY011nDvmlAvkqVoISZOnJjuX8B+Ax7qHseqH2gYhmEYhmEYhmEYRmdQ7/3qq692R81yzSOtlKjR/7DnjNwoebvttnPvDMPoNyxQYXQFlh7KjanYNJkoNuWcbr/99uTRRx9NNysjG4PNhS688EJ3ZhPOa6fGpGEYhmEYhmEYhmEYnYPNjh2/7777Jptvvnmyww47uG+asGG7YfSaU045JS15xSbi6667bsuqH/xSq6yyijsyDKPfMM+v0TXOPffclp31qZl4+umnJxtvvHGy8sorT55I2NVfsttuu6UrKgzDMAzDMAzDMAzD6A3vvPNOmnR43nnnpZsjS8aMGZNuGGwYvYZSTz4RVlbqgGOPPdaSYA2jj7HRaXSNhRZaKLnmmmuSL37xi+6TfIh0X3nllanCYxiGYRiGYRiGYRhG/7HOOuskO+20kzsyjP7kRz/6UfKFL3zBHRmG0Y9MNamBe28YXeOxxx5LrrrqqnT1xPPPP5+MHz8++ehHP5qMHj06WXjhhdOgxmqrrZZMO+207n8YRv9B/73nnnvcUZJuFD/LLLO4I8MwDMMwDMMwjOHDs88+m66moHQzWevzzTdfWkZn7bXXdmcY/cCvfvWr5O23307fs2n0SNvv8+677079TfidPvjBD6ZJsBtuuGGyxBJLuDMMw+hXLFBhGIZhGIZhGIZhGIZhGIZhGEbPsNJPhmEYhmEYhmEYhmEYhmEYhmH0DAtUGIZhGIZhGIZhGIZhGIZhGIbRMyxQYRiGYRiGYRiGYRiGYRiGYRhGz7BAhWEYhmEYhmEYhmEYhmEYhmEYPcMCFYZhGIZhGIZhGIZhGIZhGIZh9AwLVBiGYRiGYRiGYRiGYRiGYRiG0TMsUGEYhmEYhmEYhmEYhmEYhmEYRs+wQIVhGIZhGIZhGIZhGIZhGIZhGD3DAhWGYRiGYRiGYRiGYRiGYRiGYfQMC1QYhmEYhmEYhmEYhmEYhmEYhtEzLFBhGIZhGIZhGIZhGIZhGIZhGEbPsECFYRiGYRiGYRiGYRiGYRiGYRg9wwIVhmEYhmEYhmEYhmEYhmEYhmH0DAtUGIZhGIZhGIZhGIZhGIZhGIbRMyxQYRiGYRiGYRiGYRiGYRiGYRhGz5hqUgP33ugzJk6cmDz00EPuKElGjx6dfOQjH3FH9TN+/PjkySefdEdJsswyyyRTTz21O2qff/zjH8mECRPS93PMMUcy//zzp+8Nw6iH//u//0ueeOIJdxRvLBu94cEHH0zeeustd5QkSy+9dDLNNNO4o2zefffd5L777nNHTRZZZJFk1llndUf5SNkN8v8+//zzyTPPPJO+n3766ZOllloqfT9ceeyxx5IXX3zRHRUz3XTTJaNGjUpfH/rQh9yng8/rr7+e/O1vf3NH5fuiUQ8jbRwaRqf85z//SR544IHU3nn55ZeTj370o8kKK6yQLL744u4MA8rIepM/hjH43HPPPcn777/vjpJknnnmSV/G4NBrH2JMpO35gQ98IFl22WXT98bwxwIVfczTTz+dLLfccu4oSQ466KBku+22c0f1c8QRRyQnnniiO2oKiplnntkdtc/yyy+fPPXUU+n7VVddNbnooovS94Zh1MPll1+e7Lbbbu4oSa655hozIAcYnt1///tfd5Qk48aNSz772c+6o2xwxqy77rruqMnYsWOTHXfc0R3lw9/AEeG57rrrkiWWWCJ9v99++yXnnHNO+h6ee+4592548vWvfz3585//7I6q8eEPfzjZaKONkk022SRZcskl3aeDCX1vhx12cEfl+6JRDyNtHBpGu+CIO/7445NjjjnGfTKFLbfcMrWBjCmUkfUmfwxjsHnppZcm6/WeMWPGtNiQRv/Tax9iTKTfEO6///5kzjnndEfGcMZKPw0QMrrdLjgsd9ppp8kvIq5ZxPh7RXTjbxiG0YqNu8FmlVVWce+akP1UhjvuuMO9m8If/vAH9y4fAhQySIGz/ZOf/KQ7GtqnhnsORCdjiMzUs88+O/nyl7+cnHbaae7TwWSkPfd+x56H0W0efvjhFrtCZt33M+eee24wSGGEKSNbTP4YxmAT0m2nmmoq984YVELPdVB4++233TtjpGGBihEGqyKuvPLKya/33nvPfWMYhmEMAiuuuKJ71+TOO+907/K5+eab3bsp3HLLLbkBa48OhqyxxhrJBz/4QXdktAtZTrfeeqs7MgzDGCwonSTtCkpN9js4bfbff3931ISST6uvvnq6SoCyRYZhGIZhGEZvsECFYRiGYQwQcjkvsFKiKFvmf//7X/LHP/7RHbVy7733unfZ6GCIXtUx0jnjjDPS1SmhFyWyLrjggjR793Of+5z7H1P4/ve/n7z55pvuyDAMw6iTf//73+5dkwUXXDC56667UjlNSaMf//jH7hvDMAzDMAyj21igwug61157bfL3v/89ff3iF79wnxqGYRhlmH/++dPsTw+lhB599FF3FAYnTBZZAQyJzvqnZqjkRz/60WS5zmukLRWfb775koUXXjj4ot4vmbqbbbZZmnH805/+1P2vJpTUKlu+q99gzxP53D/zmc+4b4xeMNLHoWGUQa/6QDbbKgrDMEY67EVKaVJeHls9bRhGL7BAhdF1mARnmWWW9EWdc8MwDKMaX/rSl9y7JkWrIuT+FAQ5cKx7QiWhJDh1Hn/8cXfUdMrL/w8f+tCHJst1XkY23/rWt4Y8v7/+9a/u3WAxzTTTtDz3qaee2n1j9AIbh4ZRnXnmmce9MwzDGLlMO+206f5pMhlp7rnndu8MwzC6x7AMVLzzzjvpbvd33313mqWIA0fuFt8ubOby2GOPpZmp9913X5oF2enmNNR2vf3229PN58rUCe8XaOMnn3wy+dOf/pSWBInRFlmwGdt///vf5MEHH0zbnr/3wgsvdH2TtgkTJqQZijj8iv427cMzvf/++9Nr75SXX345/dv0Z9r8L3/5S/LGG2+4b6vx1ltvpc+OPnzbbbel1xmj7Ah9mftl3PH7/J0Y+HZnHHPNtEW3iNnukvHjxycPPfRQ+rv8fqe/yV4zyCaeJ23/7rvvum+6D/fGWKUf8G/ePjhcJ9dLRj/j6p///GdaoqgT6C/0Q9qW3+M4Fjjs+W02Dy3itddeS++fV6f3FELvU5G3YgJuuOEG964Z5Fh77bXdUZI88MADueNKB0FWW201964zaCM/vpgHn3jiiY77LvMQfcrP+/26mecXvvAF964J19wr6poTylCHfEcG8Vv8LnNxu8Tsn71s4yLqGIdV6fW80QteffXVtB/Q92n7Z5991n3TOXXOg3XBGKE9uGb+7fe9Luij9EOul7Z+7rnnou37R1ug0zEeGZ+xYJzwu/Q5xg5zfwwbpdswr2Pn0/bIDGRWHsha9mhE9nobpZO5oVd4/Yb75hnyvlNZXWc/7rVc5/8/8sgj6b39+c9/TuVKp+1Vl49J9ml+kz7dyz56+eWXu3dJssACC7h3Q+kH3aaf9UhPHbZJbB8iY4PxTx/EpuRa0VMMo1dM1Rgo/WnFVwRBedlllyWnnnpqS+anhCxSosS77bZb8olPfMJ92gqC2ZdlmHfeeZOLL744eeWVV5Ljjz8+ueiii9ISG5qvfvWr6YaYc801l/skH+qf/vrXv04FgFYQqZO65ZZbpi+EpKxFzpL+HXbYwR2V53vf+14qdIDflPdAVqxf0veRj3wkvTbPYYcdlpx88snuqLkRN8Gan/3sZ8mFF17Ydlt897vfTRUHwOF18MEHp+81CEvqfp922mnuk1ZYjUH7UN87RrkJ7v3II490R81SJ7QNzumTTjqppW2uueaaZKmllnJHTWiPE044YbLyL/nYxz6W1ibffPPNky9+8Yvu03xo71NOOSXt11mssMIKyYYbbphssskmuSUeUA6pk8596Gvz0Pf4HZ4PWZlFMKGdd955qQOU/hXqD9ttt116z6NHj3afhDnggAPSTX3h61//erLXXnul98+4++1vf5t+LuHZb7311mnfLnOtVYjR7ig13/zmN5MXX3wxPabeMc7h66+/Ph1TKLga+siYMWPS3y1TroO/wdig3UKle+hvO++8c7LWWmul8ga55/nd737X9pjJujfGBPJX3xtyd/3110/7wWKLLZZ+xm/QF88555ygkUwf2HXXXZNPfvKT7pN86IO/+tWvUqWSoKnmK1/5SvKd73wnde7nte1PfvKTdJzAsssum/Y/oFwdY1uOHeSTBiX0xBNPTBU8PQ8tssgi6TPJm3+qQI3tz3/+8+6o2X+YU0KgzC699NLuKEmf00wzzZQ+E89ZZ53VEryQ8IxPP/10d5QkZ555ZrLOOuu4oyb8JvMCzDjjjGmbhcBw/OUvf5meH3pWQN/caaedkvXWW6/UWMAAOP/885Pf//73aR+QsghZQTsx93O/ZX6vDF/72tda+jr9hhJPZWFuY073/PCHP0z22GMPd9SEYCZj2MMeF3p/Eg2B/B/84AfuKEnHGOWnNLHmBAK4e++9tztKknPPPTdZaKGF3FGTbsh3DGTulWeiZQrjjuzA3XffPZlhhhncp2Fi9s865t0iejkO8+jlvCHbBGhr+lcR2BWUNuNfGDVqVFq6rVOYr37+858H523mCfr9BhtskM7bxx13XPq5t0fyiDUPloFxjgwDnETyefDsWDntYd8HyhWG+Ne//pXqWzhIcUxq6IM8L66909JM8ppxpMk20teMLTjnnHO6oyngtKEP4vQMzbfMw1zvxhtvnP5mFjiqvv3tb7ujJLWrPv3pT6dzNddIm3iwqdCl24WAD2VcKLUb0tOBfsc4Z77JkpH0feSBB9mNniTZd999U7vAQ/Ct3b5G35DjlGcy22yzpfoHz1I7h7kHZMZWW22Vnge051FHHZXKOg3zDPIFnQz7V0J746D0oNcts8wy7igbPWejJ+lN26uCAxIZhm0Zkhncxze+8Y1k0003TftQGWL1436wB/i/yD3wfgyCIjwzdEIN18B9IWPL6myxfEyhPs28wvhEBw8FPJCB+EnY5F9CAFPq4axm5X7L6BHoy9K3gu2JjAWeB7YQ4wyWXHLJIXpEL3SbQdIjPXXYJvTv2D5EniHPMjRegL6NfYi/rayvMyb0fTlfoy+E5mdj+DEsAhUMMAZlaILLAkWKyVQjnfM48RFY1C7NMuQkGEJ5maYoxmPHjm0xmLJAScBAQfHwtBuoQLCWifYjNKWhoAMVKAK77LJLqXbOawt5PSuvvHLQ+NIKcREYX4cffrg7ag8CUdLBQ2bDjTfeGDRotaOXYAaKbZl2RpHbfvvt3dFQmNhwWpXpJx7qn6NUTDfddO6TKeCQQFnIcmJqmJBoizwFDocsTjWthGZBqZOjjz46sywIzgCv7DCWCebktZGHMXrppZemRnynxGx3FMhFF13UHTUdJWThS+MzC34TuZNXQgXjb8cddyz1TFddddVUwcCA9HQSqND3hnKDc7So3ehXBP9wNiDHZIZ/FsiclVZayR0NhWtBoS77zFC4cZrMPvvs7pNWkG+/+c1v0vf0Qf4+ckXKQY8OVJSVWchZDJKyAcs8tGwnYBhaon3FFVe0GM8YcSjuGPYe5Nyhhx7qjlpZY401Wox2yhRpw76MgwIjDWMoy1miQTnl2UoHkob5CEPkpptucp9kg3GDsz+G0dRpoAIjSzpPcE55Q9HDPWHAeOi7yIc8+E1+28Mcpg38mHNCGedVnfIdo5q5JTRGNbQDsvXjH/+4+6SVmP2zjnm3DL0ah0X0ct7A+YAO4sGYJwuxCBIL0C099Fn0t3YhuYNkGJzSRSCLWTlMOwFjgaBgiNjzYBl0P8vjD3/4w5BgKfoWYxHnUxmYN5Ft2llXBZINZDJSHiQbaLlDPyprAwE2FE7zEOwphf3jQe+grzNH6d9v1/YDPR8UQT/j/4QCS90OVOj5D+c3v5/lGPUwR+IcxIbDgV9kv4fmGfQEHySEPP1Icsghh7To+XkJIGVAVqPrS/0rDxzO6Hp5ewrE7Mf9YA/w/8e5RELkBH6WffbZJz0uYr/99kuDIHnE9DHpPo1+xvguMx+Fklm0HkpCEQHHIrROzz3OMccc6Xv0Am8bhORur3SbQdEjPbFtk7p8iMzByKmyMI9utNFG7qg70P8sUDEyGfjST0QMq04gwERetBSaDAEm5zJBCsDJ7TOvNGQvEPkua0jwN6WA6Qcw9Mq2c15bFIGBUCVIAWTXMJnGhOtAOS2CCZCs9TJBCsDQJSKPoRaCibJsP/EwEfrsBwmGMX29rEIBPGOCLigjIahnz4qCskEKQMFEGUQZKAIlt4zyAbR5pwEqT8x212C4lAlSAL95ySWXuKOhoKgRBCz7TMlAwbirCwyjMu3m+xWB3zJGCWBMZS1nxQAmCFPlmREsQiEky64MOJTKKK60b1mZhRFANheGdKesssoq7l2TrD4hN8LGSYWDCgOEcezJUqZZUSgNGgJcOkhRBrI6MW7KOkeB+8nLRiRAjFOijCEAOIPIout1SRHaU85XPAtdyqsu6pgTqhBTvqNX4YgqM0aBdsdAD917zP7Z6zbOo45x2A7dnDeQcxjuHjJiy5Tv01maZA63C88V475MkAJobx+kyKMb82BsGB8468oGKYD+yortKnpnTFhpX8UGApygrGIoA/ZmKEjRCQS2qgQpAJlb5bl0E/pMUZAC0AewQekvZex37lmv7NdjHTuvyH4hy1zq7szrRYkFeRAoRccrG6QA5ksciVnU3Y97ZQ94kBNlgxRAEIYAVFbObp0+JsCRXSZIAQRZfTUKD9cmkeWasqD0m+xT+KZ8kAI+8IEPpHYCz+eqq65qCVL0i27Tr3qkJ7ZtUpcPEb9ElSAFECyrIpMMoxMGPlBx4IEHtkwgRE6ZiIm2kU2BgEJZk5nywGRWJEA4h/8PGDlkRZOJwGc4sYluSxAMRI1DIAD1smYy2shqYqko9eVQhJgAYkMUFYOHl1aaEN7+u7KOM9oC4dZuWxShJwscY2QnsMSPLGYEJMc6swqFvN3gSAit4JMVQASf4IVf+vbMM88MyXCgjZl0uE5evNeZsiwhDS2x4/wjjjjCHTVheTjLLuk//v6ZrPT9hxzmGKQouxLGAsuH/fjg/Z577um+bcLnBH80RPT1WAL6LdlWZP/we5Q10Fm8GP2M1yLkOMHBgEMPhYBrIkiCMSehfRk/nRC73TXSKUKGJm3F79FeXD9KoYRrCfVlglsYDdrJxFJj3/4Y8jy7Nddc031bL/JaMCQw1FCEye4nE0xC32CpOTCeGOsonPRF5IjO9kC26/7rIYNUG6HcMzKV9kau8h5jVYKTivJaKNx5YBBjxEiYX/gb3KcHRR55JOE+yLCnHVjuy/OQqxcAmVnGiM5DO7d9iT8JBhhZWx4UbI9c9cb44jlo9G/mrRrMAwNK3i9GPHM17UwZK9qKlT56fPP/QgYBzw/Zq+d/lG7anN9j/GIISugbeYZ8nSA/WUEos7sB437WWWd1R/USe06oSkz5TkkP2TfoU4xZdBNW/fEvWWp87kFeMbfrRIGY/bPXbZxH7HHYLt2cN8gupvyEhPkyD/aN4p49zNGdZISiJ/h78DAPcd/0b9qfeURm2Zeh7nkwC4Iu3nbQ7U8g3n/HSjFWsEjQo3wJDw/noDdir6HHsApQlqv0kEHM2G4HEor8dWn9nvIb/jteMhiPrka2rYRxg4OTuZV+i7MVe0rKGiADtqivAckOci4DbB/mijIlhzQ8V7kaCLy8ZUUkAS4/R2qnPLYx3/cbvn2wQQmmcO3U8ed6CdZJuE9/Pjo7yVKsJKXv8Mz0+ePGjWsJ3LGiRJ6DvJIJHyGQXfIZ4kRmY+J2QP6EgkyUAbv66qvTZ0e/5D716mjmPL7TdKMf98oeCMFv0hb+3vj32GOPTT+XEDyWsl5Sp48JkNEe2tjbDXyOz0lfK/cjYZWBfFaMiZdeeskdhcFmkZC4IKGsEb9DX9N2S7/oNv2qR0IdtkkdPkQCr6wAk9BuXr6gD9LPaR/dD7NKthtGdCj9NKg0hMGk0aNHT2ooLemrYUhMeuGFF9y3Q2kIicnn8mpMWO6bKTQm7JZzeG2zzTaTJkyY4M5opSEYWs5tCAn3zRQag73lHF7HHXfcpIaAc2e00pjcWu7LvxpKvDujfRpCqeU3G8LWfTOUUFtstdVWk1599VV3Ritl2gKWW265yec0lHD3aZOG4Gz5Ddrhtddec9+28uabb05af/31W85vTALu2+o0jKeW3/IvrqFhNLmzWqFvyHNPP/30zOeq22eVVVZJ+7CkYcy2nBPqox6eQ8OAaTl/4sSJ7tsmXI/8Pq8PNRSklnO32GIL980UuB55Dm1Dfw3RULQnNQzNlvN5PfPMM+6MKayzzjpDzmtM2EPax9NQglrO5dl1Qux2R17I7/2rYZy7M1rh/6+44oot5zaMdfftFBrGVMs5vBpKo/u2lffee29SQwEfcj6vhvLhzqpO1r1lXUdDGRtyLs87S440lN6Wc48//nj3zRTuuOOOlnN4NRS59J41jMczzjhjyPmhMY3M0ufxYqw+8MAD7qwpID+Zd+S5DQPLfdvKW2+9NWnMmDEt5+6///7u2/ZgvpO/t/rqq7tvptAwTlvOaRgR7ptJaT+Q31188cXumynoeYC2D/HDH/6w5TwtBxtGe8v3eX2woQS3nNsw2Nw3U9DzecMITmVOiIYBMGROffbZZ9237aHnHtqeewy9Ntxww5Z5T77om6F+Cw3DuuVcjou46KKLWv5Pw4Bx3zSJPScwjuQ5d999t/tmCnXId56pPAf5+fzzz7tvWxk/fvyQ59Uw1t23TXhO8vtO+mfsNq5Ct8dhWXo9b2hZidxG38yC/iHPP/fcc9031XnxxRdbfosX8isE13TAAQcMOR/5oalrHqwKz1D+ZpaeAy+99NIQWbzDDjtk6vm33377kPPp451yzz33tPxmVjvQbshveS76wBNPPOHOaOXpp5+etNZaa7Wcj2zSsg79Tp4jX0cfffQQnbIqWj5ia2X1d+5x2223bTk/NM+XkfVF8qcKev7jxbh96qmn3BlTePvtt4Nz7L777hucZ2gLff6dd97pvm3yu9/9ruX7LJvWgz4nz0f3ahfmR/lb9KFHHnnEfdsK987zledz35K6+nE/2APbb799yzm8uPbnnnvOndEKc4HWB0L3xrGUPTF8TKE+zd/Oeg6PPvpoy7lcj2bs2LEt51xwwQXumzD8PX8u90T/KUsvdZtB0CMhtm1Slw/xwQcfbPke3TDrN5988skhv5mnP8VG+1zyxqExvBjoFRVEF2X0nkz3vJplDSHn3jVpTLDuXTZEUImksvFoCDKSGoPGHSVpdoeGjX4kXAfR5qy6nWSsNiY4d9Q/+LbIqlNcpi2K0MveqAEoo9gSalvqjCtWXcSELC+yA8ji0hBll6sieK4sb8x6rmQtyaw++q9eVaEz7vKi4zwHMsQkemklUXGJzmyTkIXXUFrcUXNppYRsI53NQXZOVoY1tRbJDtDZPmWWEJMhwbPNqrOqV7GQydEJsds9BFknLOMOwR4XOrtCZ7SxrJzMJwnHoTqowPJd7qNM+bJOYUly1nXIeqwe5FuWHGkos+5dE5Zea1hVImkoWGn2FvesYTw2jPCWVRDARnuNOdAdZcPYbxhdwU0KWVkms2Z4Hmy4FoLMOjKU5BhrKLTBTbnLwnwnxzQZcw2Dzx010XXNZXYmGcJSvlJLXKOXpbeT3Qk6GyhPFumawWSASmhzuZSbeYc+mFXflfvU83DZEixloe3pJ6EXcwiZXhpkAuMz1G/rIuac0C4x5DurUCSMxaxN/ih1Rpa0hLkLmeqJ2T/7oY2ziHmfndLNeQNZKVcVIEPy2lqXfVp//fXdu+roso9kyWfNy+xNFcpkDdHNeTAW6ITSbqP/kS2apeevuOKK6UoLCStPulW2igxn5LeEv5+1OTg2y/lqdTqrV8qWt2E1E/NCaL+5KuiVkMjUrH3P6Bt6xQ17D/QjrEgMbVQ8zTTTDJEB6AVkxIfmGdpim222cUdNtP2JbJL9kqzsLL/Bu+++21L2CbvHbxZdFWSTXuGNDMmSCdw740pCv5V0sx932x4Iwb1Jf4SEuYB7k8+We0NXk3TDxwRkrGc9h4UWWqhlxQPXo+1NvSJC9kMNeir36qE8EP2nLP2k2/SjHlmHbVKXD1H76OhrWb/JihC9Qi9k0xhGbAY6UPHOO++kA8e/WLqbB7W2q4LzMK8eN4N6qaWWckfNDdI0evlf0cZNwHK+MoZKN0Hojxo1yh0NpUxbFKGXlzGpnn766S0TgQTHL4qTf1FnMCbUCdbX5NEKW5l9ACj3ItHLTdmUzPdn6mwSjMnj5Zdfdu/C6I11MYDzlnTjOPVtyTJZCaUJJCgg2rjR0Cd0uae85+lBeciaMEEbKpTg6oTY7a5BIS7aw4BrkOjn9MILL7QoBvwmDo8iysibTuA6tKIs0RuY0W90WTBJ0QZlLGvWzjaUtiJoB2mYIFseFsuus6B0XpYizxJZD3KC/pMHv6PrP+OY6ARZygn0OGUZtAfDQTpAMNZXF+UAMdTeF0uZcVbI36MUQtHYyEI/V2Qh5Q1CUAaJ0iBeFiG3JJQ3kwbk97///UxD18OcKoNIZ599dlcddCEI/PL8tFOpTmLOCe3SqXzHGJRL9VmuLnWPEPwm/cSDDJGlAGL2z35o4yxi3mcndHveAOqhS3A8hsDBRCkYD0k4nZRmYxNgiXagaAg04KzOo9vzYCzoTxLm1ywHuoc5CqeURAeS6kIH+kn+CDnKJdR733vvvd1RkzKlcEl00ok97YLd6nVaXkXysR37uNugvyy++OLuaCj6uWAPUsYmC5xvEq0PoK8R3JNoZ7aHfiJ1Eu1grwLlYSQ4/YueHw50ApX0H16jR49O3n77bfdt9/pxL+S6hoTAvIACoC/q0lpXXHGFe9ekGz4mdGot2zS6z+tSf7SfLEmMfpyVvCdtFqBMXxX6SbfpRz2yDtukLh+iDuSREKCDmRL+rnyWBDYMo24GOlCBQCFy6V9ZCgyblGF0ZGUw5VEktEAq/VJAAXXm5aTChLL00ku7o2yIEKO09hOhjGJNXluUAcVQT9psPo0z57TTTkuNKunk5nyeu391moUkQdlbe+213dFQ5KZW3DeZBTj58l4ozVKhoBavhEnN92edYe9BeaIdCAAUGWs6u5tMCj5DQSPDRmdfzzPPPJPbUiuIOpOCjazKZAIvv/zyLVkVkLVhlIe/nwfKiexrUiFvh9jtrmHcZ2VUeLRBpfeo0NkL7KGRZ4R5UEZ0vc6YoLxnOfJhlllmce+aFNX5zlq95tFZIGQEFRklwHVgyEmKal2TfZqVXUN/kI4iMj8hNO7lSzsi2q237WF8SVCUPYwLlEpPaPWT/AyZLVel6aCHrNlcFX2d1DumLRhzrGjS/R0l28ui2WabzX3aRAfBl1122WBb65d/Rp4iOVQF5i0ynUIvxghyN5ThRx8iW7tbwYqYc0K7dCrftQxYbrnlgs9bv/S9S2M+Zv/shzbOIuZ9dkK35w1gjzE5Bqlrzb4xGikzoUxCQBbMEzKDlX6QlT0r0as2Nd2cB2NB1rmcM3kWOJ/LoOvbyzatEx0MwmFZBp2tr38nRMykElaCep2W14wzzui+mQLOMJx37CNSJtGq1+TZY6CDiUUrGrSMCaEdudSBD6FtAr0vYRV03w6tQgjBKgwSX3ix8kTuj9GtftwLua7RAeks9HnaHu+Gj0nveRhCj13mFI2W6SEblfEukyOZi6o6m/tJt8l6Hp5e6JGxbZM6fYgkR8r2ASp/IG/Y00cHoBi7/lnmBRcNIyYDHajQ4MBmp32MDzLhieoz0eAkZVOmdpYp5S1rK4OO4JLlUJYFFljAvesPunU9bA6oQTkick/AAgHJpMxycRzHdYEDLy9aL6PoOPiYhMkWKXrJCD6TPJNUFihAGM0s/cNQ4/7JAuLfMps445QIOakZI1tttVXaljgfyUxA0cpb7q0n4IUXXti9K0YrFGzSlAX3V+TUr5tO210TY1LXzoQq47HOzIcsR34WRYZH3pgDrVzqlSh5aPlbtBInb2NTnbGEwy803vVLX2+nTiKtNN9xxx3u3dDMPBx1Gu24lP+fDQ0lRZlfeTAH6wxG5CZLqZFR9GecK5TPotxUyBjzaIMSWR1qa/3SS6jz5FBVCKgjG0IvMqToH8h+dBRKtmgDgfbBkVc3MeeEdogh33XQnFUBoeetXzhzJXIMx+yfvW7jPGLeZyd0e94AjHftTApleTJWPTjTtYysgjb2y9oUOBlDgU1PN+fBWOi2KHJSSrS+2a2yE8hrCY63MuDUkauxud48+Y7DktIidUFAjtIrlF4lMYfV0PSZL3zhC+mqlkGgTCBOoudYTRmZQVBR6oGUx9Rlx3CASplBYLMoizoPrRPGcPB2qx/3Qq5rygSCgb8t763In1CHj6mKHZ0HgTHZ3wlUadh0WV5j2QCYpF90m37VI2PbJnX6EBnbIdnPCg5WZ2Jb0r9J2Dv//POHrOQxjG4wLAIV1CxksCEgyUIisotjAIWCpV2dUKToFKGdWVUUDoRXP9FOZkM74NRmeTjPMwRGNU7kww47LHUco+BfcMEF7tt45ClylAbotG95dFYvWQ/XXnttakigABGUoYYlGRLtBGaoXUo5oywIAp177rmpooXhwrLZ0ISk9/8oqwyCNs7zHISdKPidELvdJTHGjnZM6CW4eWjH1CCjA2ZVAja6HxYZFlUcRe2ileWqUI5PykqZFS2DDhhkIaOIpcyyf9x6663uXeueFcyFRRlMebD6hxIoebXeWQ1CfVayGD/1qU+lwemJEye6b6cgV7N1Qt6S9bogK53MWQw7CTJXl4ipi1hzQjvEkO+djhmPNAJj9k/oZRvnEfs+B42NNtrIvWuiy29S1lGWd6GES1YN7DJoR0Ne+VRNXmmWbs6DsdAO2CoJFNoeijUH5EEteKnnM89W2U9Iz5d5+2oUleFpFxKqkC20NaWQxo4dmzoxCZpjSxnF6DJOunwOepJsy05WYIHu21V0/RDd7Me9Bj21igNbr7qhpJ6mTh9TLL8K87pc/UMSpA5OXXXVVe5dE1b7tkM/6Db9qkfGtk3q9iFSmeGcc87J9HXSvymRSRAHXxslpXQCm2HUycAHKliexLJ1lq5mKV0o5USAKR3UbXS2fFFtfolctjnSoNwAwQicxET9ZdaDhgmQSXP33XfPrLXcDnmBClk/sFNkoIJlkxtssEGa9SdXXkiYUMhspoYxtZOLoP4v5YzYCJPlqzoDW8MG3+z9oTfR1SUhqvRPvRS4yjjoBnW0e2x0n6vSB/OWYg8aevlu3ookja6FXdQP8wzEWDIghpNIl3TyNcdltjAKZhZy40OyaRjrZGDKMlKU6Khi3IYgg8fXQSWrMy+7mPmcOZvsbt1GsVYexAo2twNKP+XzJFmyJzax5oReEWvsaYdLrP4J/dzGMe9z0CArWzpoSE6Qe05RvkLS6VyvddIqMjRvL6xuzoOx6OSaO5172kGvJqraTlpHzvv/sZNJkJGs3GNuR7Zkgf2M3osjygiD7iMdefgdJLLMDs/x85//vDtqDz3uQ2W7qtDNfjxoaBmk26rffUwSXcpK7rnBfcp+i4M6yzldxKDrj5469MjYtonun1XGXlkfDcE3glqstivah4VywPhK2Gs0VvsZRh4DHah48MEHh2weh0ObTaKI5rJ5FNFIhCPZYWVrocZEO7urOEZ6ke3ZT7Dkk/p+ZLXzrG+77bbkuOOOS2vohQIXl1122ZA6tp2QtwxbR/NRVFjmWPXFBO6XvyP0cRpI5yCsvvrqaRkG6o6S2U+2AvfKuVVWNfjN9ViizPLESy65JP2NkJKBQkZ2hiwdo/9WlZI1nZQtqpu62z0WOjsilPmTRcwSN71GZ5SwyXhZdHZK0bLrvD1AtHxgvITGeNFLrnpoF2qrStjvgI395B4TeWWs9Hf3339/KnMlef+/KowfAn7MzVwjRiC1kEMOU4IuzN1kBXr0vErd6FDbFr3yNn3sBhjAkk7LgIFspyI6nRN6hR57ZPyHnm/RCyM7RKf9U9LPbRzzPgcJXfKCOd4jN9imhEWnZVd0sLusXo+DAp0ji27Og7HQcrtKlq2+v6wV1zHRex4899xz7l05dBmQvOSn2GWfyJLlJaHN2IuC+ZI5nr5I30fPLVMrf6SCw0+WjEMW+mdLQgd2gQfZ0mlQTa+u6TQbvZv9uNcwh4b2HcpCr4xmA3HPIPiYJKx8kToluoZ3nJMEI/1Pna76gUHVHz116JGxbRP9e3X5EJFxJLOxUog+jW+KVUQyiU1CqVuCFYZRNwMdqNA13cj4IkPsgAMOSCcMMht05lC30UJGL9fOYzhkr8WCoAVLlxHeJ554YjrZnXfeeUOUa1ZhxHD2QF5tTL6TGVAsDeVaqr7kBuVEtHXmEwowZa1QklFAyISMARk61KvHSYGSgRLDew1t7NHBhSrtrEsn1blnQlW62e6doI2XKstWY5Up6gd0wKbKpppa/lap96nR9ZIpjRIa40WvGEE7bRhQ/gkjSpK3vwR1qiUET/gNSSf7U+SBYUh93UMOOSQ1+MhwJhgtwciRy9a1849yKqG2LXr1ei+cduovF9HucvZ25oReoetgTzfddMHnW/SSToks2umfWfRzG8e8z35npZVWainrh4MF0ONkuTtdi7od9HxV1gbQwQRNv8yDVdD2UJUyGfr+ijZKjoUMiND/yzqK0AekDUc50U5KiFUB56QOwuJ0YrUQK8/ZuBX9pY75Z7iikxr8KgrKFEtirLbWq2vKJhqRzHfsscdOfsng3iD243Yp216snpBBIO5NjolB8DFp5CbpPGP2pQE5b5OIgP4Tk0HSHz116JGxbZNe+BDp0/imKN3F8yJhAnmiE4QJzhlG3QxsoILlTzITlSVsDKS8pWy9cNaReS+viay1svXuvfE0krj55ptTBdu/KMkTAkFKpJc20plVVQR5J5Bt50HxKzspELHGaOAljQmyoCUoQ0XOwbyMO5Qw2ZZ5DgaMdjIhTj31VPdJE9lXtaP8wgsvdO/ywRiVqxWY7PrB8e+J3e51oR0T1BkuUzeczcxQHIcLuh9S67/Mhm2UM7rooovcUZNOMkkZM9KgpI+XWZaLE+EnP/nJZBmgywi0A+NJZlIxN8q9JlB8dVadhHlKBjswvmWgg/vsJLMY57mURb40VQiMRYLR7BEjkVl9enzqWrxZ0Ca+3Xn1utYyS+clbFwn0SXbyoz3vLaIPSf0Ch1YkyuH8iC4Lp+/n5di9s9+buPY43BQQX+UDh36AYEBuUcMenuMDFmyTiW0OfsGFKGz4TX9Mg9WgXlK2kPoUTi0yqD39OlWcEX/nbJ2md77pBsrQDzsJ4dN4mF1ME6nPAdzt+ymQYWEEhyxHsYQq7Glbo1NWnUz6RA6UEHQuAzsHSADFXJF8CD243aRq+Ly0AlqlJz2DIqPSbPeeuu5d01oC2wOKT/Zc6WdIOVw0R89sfVIiG2b1OlDZFWQf5Z5QQf+PkkbssQdEAjL8tEZRiwGNlDBAJGKGBHNvDIdoDfA6hY6K+uYY45x77LBeSozu0YKZEKcdNJJk186q1dD1BklvBdoIxZhXwTlWPbff/+0xAIvuSpBGwpF5YVefPHFNLCTBU4ugiK+LX/605+6b7LJWuYHunYhtezLlK1h03MJ2Yz9ROx2rwsMDalIIwO18R6CjAgpKwcd2kBnhzGWikApk9lTBMx08KcqbLzu4bfLBO+Q69SH9zKgyjL1PHTgVGYu6T0sQkg5ivNIzj9rrLGGe9ceGEpSrv/6179232RD3dQsqHcrQfaW2Z/oyCOPnNzujB02tu4VLMs++eST3VETnMMS7fQochKTUZnn+Is9J/QK2kUG5gjaljHecC7558/LG4Ax+2c/t3HscTjIUIZCMm7cuBanHHr79NNP7446Y6uttnLvmiD/88BJUVRWoZ/mwSpQG13CCp4iKMGinY9LL720e1cvbEAtIcsaPT4PyqMx10hC5VDqQq92Llq1iVN2OCWz1IXcVJsxhB0gnXcxVmABJY8lyIKipApsZ7L9PZTqlCWKB7Eftwv3Jvd+DEFpPUpJS5ZZZhn3brB8TBJWNlAJwIOeSz+V98IeA+0wXPRHT2w9EuqwTeryIZKM5p8l5f/y9sQCfCPaRjGMuhnYQIXeI4Al23nZRGRK6UmpW1DzV0IU/5RTTsnciAYlk42KukGRYOo2ejk3GQx5NZFRsHVGfLcEKdk1MvMFhZWJLgsUowMPPNAdNZHLhHXGc14JD5yb9CupfISQihcTcJExoutHSoWZpeI6u5KlnWRvheB+mQCvv/5690kTNj7vJ+po9zogA2a33XZzR01QgmTmvAYFFQVkOEE7UL5AguIm64xrCKpRU1Ny8MEHd7xsWzu7cLrkZSmTfTJ27Fh31ERnQLXL8ssv794NBaO1CJktqOk0uKhr3hPQKcrg1LJIlskjM1e2PU4DspD0Zq0S/qbMmMJhplcsdAtWmWm9AGNHOwG0A/HMM8/M1HNwZIwZM8YdZRNzTuglMiMe9tprr1znBONSBoZw8npHb+z+2a9tHPs+BxmcFDL5gnlSZkZutNFG7l3nfPe733XvmlBaEhsgBCs7ytQP76d5UEMyRxZa7pGMdMQRR6RBtBBkKe+yyy7uqAl6qEzaqBOC9FLPR/fbddddMzNJkc88FxydHq5V6wp1olcs5wW4sUPp+0VJYUYzWUs6JeVeN3zeaUKHB+ep1tmY3yZMmOCOWiHTXY8RnVg2iP24E7CVsvwb+A1wDMuV8QRspUN4kHxMGu3YlrrSOuusM6RsbRWGi/7oialHQh22SV0+xE996lPuXRP2g82D8STtW/RJPdegY1CVQr6yrtMwyjCwgQoy6WW9NCbd7bbbrsXoQjCw7IoNlvVAh24t00M5+PrXv+6OmuDQ2mmnndJMIS/AcDRcccUVaQZblXqzVZhpppncuyY4OnFmElllc7VegxHMkkEPQhGDEWe3NmRYPo9yJhVs/m8nk3AV2HwII0/CUkeMUiZwOTFxTP+UGXv0X5kFrTP5eTZE1uXvoDQSzWfJojSqPbo2JzU1JfQ5fldvssT4wXjWBjUlYyTcg4RyV2Ris5+Dz9JDaX7ooYfS3+JvSQhs6GXNvaaOdq+L9ddff4jcQylFQSbAQnCIF+/JKtLZi8MFNv3STrdtt902LamEUY4h4tvh6KOPHrJ5KstzactOoWQGG+t5eB4YiCh8jA2uA/gXBY6sNinbWZEhn2cnSANCU8a5yDnSCJfozbqrgtItg7K0E21Bdq82/qirTH/WRp/OoNVOeZR95k7q68vfZF7FEbP33nu7T5rENriRGaxiyXvRF7feeut0hYsOaDFetdKPniP7OXKIviyDw3yG7CaYVEZviD0n9Ar2T5DZcBh61F6nlBpOBQ/BZdpe1w6XQffY/bNf27iOcTjIyAxpCY6HJZZYwh11Dnty6T7hbQCcDjgWSLg57bTT0gzUsqUl+2Ue1E497oNyNay45b7kqkFKCGpHGiXGuDZsEEpTAXKbscx8KuUac1Q3k10ol6RrrTOXo/fyr3f0Mn5Y0YYjUJeUYf7pZlBcl2kks5YAlXTcMvax/dZee+3gCp+iPVJGIth82rHpYT7h+1joTZzpa4x3Vk345D1sYo55htIuQafUPodB7MedQJ9HluI7eOmll9LPsE3xCeEPIolOwviQK+gGycekYe6SupFE77VSleGiP3pi6pGe2LZJXT5E5IYEPZC+jP9GBheQMyRE6j3LQslxnHfWWWe1vAyjE6ZqdMaBDXVh2IcigEwuTKZyeXMWKL0IGqJ+QJkaGS3FIaCVcA2Re+mAfu6559y7KZAJgdMwqywD14Fgz4OoLHVGO+HSSy9N9thjD3fUCtcgDaS62gLh5vdzIGtEr0IYN25c5n0SiECBYAIJtReTS7vZvziipSJ34403tkTKs2CSYSIKwfVm9UOWiUqjnz5CtkHovpioyFIr6iPAc0RpxenFBJNl+HIey1n5uzi7NDyb888/f4hiykSkDU1PXj+mLalpyfPToID7jAJWxJSpyUp2j/9bbALKksl2qKPdUUYWXXRR902SBtQo+ZUHzgTZd1FgthZLeD2MQ5wLoWviGqDoesm6zFJki6h6b9TVl86U7bfffkhWpwTnijS0aQPaQkNwCKU5a3xl9UU+Z/VTaDNO7kWWmAjJLw3tgQKnHc+eLBlA3+I56BrmnYAyqzMjq4wN5C7yV0I/ycvS9ey7776pIu/BcJF1cHF8ZAU8eCbIoiy5jlwmCKxhrtGrjDzoAfS90O9lja0q0PdCQct2QJ6yejAE84QOEEPWWNf9Xs9jsecEMuowmDyMLZ01V5d8JwGA5xB6xtwLjofQfSA/yUj7wAem5OrE7J91zLtl6cU4LEO/zBsSnhMBXv0cyPAPOSA6gfIP/KYsz1IEY8D3IeYLuW+Qp455sCoEWgh6ZIHTUO6DQTACBxYO0hBZ1ww4GLWzqB2wxWTpRmqpayechIBdVskN5prQWAaeOf1Jg8NTZs3HmJMk6CShvoY+gsM263olPAdql/syt2VkfZH8qQL9QwbXSIiSJSo1OAKlk48yNXplgeSuu+5qKYNDgE32iRBaT/dwrTHGkoQ+kVU7Ps+2DD0XT+x+3A9yPaS3avLuDdl1ySWXtOgDUIePqWqfBpJgyPT3lPFN4AvRwS6uG7nXrm4BvdRtBkGP9MS2TWjTOnyI++23X+Z+WOgcENp/lXug/ZFDEv6GbuNO5gAPAS453khq6FZSstFbBnZFBZA5FIrOIlD0BMKgoh6vzsRhYJNxVDc4+HFmZzkHQwLGT2wx0UtX+xEURb2vgYfnSqQ41F4oYJ2WKGkHlpAShQ6RpcgQZdaZifSRLGcVE4W+ZyatkHOU83z8kSX9KCwhpYbzaMvQBMz51EUNKRTUYJSGiCT0XID2wdkZClL0mjravU4whjAYQ+OYa9DXy3m6RMRwgLI4KINemdKE+iIrmMgWi2lQskqNAHCWoyYkA5iPMD5iBikgJP/K7E/hkY4TT6xyBmz+igGd1W+z5DoZYNrg8uCwyqrljlwL/R7lDmI6hDqBtmADzLyasxhnGIYa7k3fH/pFUVCqjjmhV3BNBL8ZTxruJXQfjFNqK2vjMmb/7Oc2rmMcDio8J53xCTFWGWiob07GYkjGhmCVgew/WRsh98M8yKrUImebZLrppkvlVEiuQeiauT+ckTGCFO1AgE46CyWhsQzImZBztxuQ5Rwa4+gj+nqxowm6ax0m9BxGOqyO0mUymXdjBykAh3/WHi5ZtiV9LitIAYPWj6tCnw85XrPujcAKunjI2TxIPiYNTnkNCTGd6hbDSX/0cG2x9EhPbNukLh/iQQcdNGSlhAf/RyhIwRgjsVcHKQyjDgY6UMFgYeAy0WSB4GEQEoEmiwyjXytvWQYAxFzKiaBhWRaZO1nCBjBkuN6YNXI9XAPLOck60UvGR40a5d6FidkWRbD5INeZl+HkIUJMZkynSxrZhKodmKioO09Ght5gW0P2CJFgveTOQ5CG38nbZ4O+Q1YZS/l5ZqGJTUaviTpj4BGpL5pY+LsYkETK6StZYGCShcASx5Ax5KFUEk5c2gfjtAy6/Ek3qKPdJXlt5KkSxEGxInOeds17piimZGHWWVe86N7y5GuIKpkXOEjI1mTll5ZnEtqL4CfZS3lZGLo0XlkYKyhu2rmkoa0wPHl2uuRYDELBkqwASgiWPGtCn7ULBjQrspizi/oNhhbGAwHovD7BHh/0Ab1hrQbZfN1116UZRL2EfooRw9glA5R5Pu/++I7MUDL7stqMz3FAEMDUG3CHqGNOKEts+U7G3C233JLORSFD08N5tCPzUZasjdk/e9nGRdQxDqtS9HfrnDckeo8gVqXpfatigY7JCmICRVnBEOZssm6xW2RJSQJMWcSeB9uBzG/qYvM39LMNbULLGCThBeeeLIGqIUCB3nzDDTdELRuir6loo1zAwcsqhbzVNtw7Ywa9K2+vkTJ/rxNGjx6dznd5KwToKwQfeQbzzDNPstlmm7lvplB1HNZJkY1WtU3bfQbaLtUl1WJCSSHkBX8jT2byPdnmZfa3idmPNf0g1yl9w1ya5YAFZAlykGBQlvOce6nbx9Su36EIrkGXC4rlU+oH3aaf9UhPbNuE9ovtQ6Tvs3KI/e+KNsqnXQhssKojZmlMw8hjoEs/SVjKypJ2agJSW5elgijMLEPTcC7ZRNTrZLAvsMACmVHROqGEC9fMxj0EAbjWrGseybBEjuwFjDaWkDHpzz333KlizSRZ1gHeLSib8Mwzz6RlY1555ZXUcYSRyauKM5q6mvRnXihriy++eLp8PqRU0Tb0afo9TukshyvDnWg+7cj/YQzQ32hP2jJvgs6C+ojcL32Z54QCwbVyv/1k5JSljnavE5biUqeS/sbzpP15plxP3cZwP0HWku/XvJDpLEnHYO+2jKAUBmOBZ8L4IOuVPoLM6seMol5Av6WmKs8M+UE5EGSll+vtGDWUISADiHbnt3E44uhCFtXlfOwmXtYim+hftBFthR7TbiJBHXNCr0C3823Di+w///y5pypOj5j9s5/buI5xOEjocjYkLOiM6bqgv6Iv0h9mm222tE/QZ4H5jCxtnylJYgSOoSL6aR6sAnYQ/Y8XNfi5Xq67X/sfc42/Xp4hMobnFTsAFAPak3mRskX0J9qWaw05lSkxQqCMcies+u7H++k1urxVmbLIMUA2s/IFeU0pOeQz/gv6Xrt65SD14yxk6Sf6tCxLhFx55JFHUpmIPcoGwln2XB6D5mNiHiDJyGfE44RmrovNcNIfPTH1SE8dtkkdPkTkv3+W9HP8CTxLXvyu108Mo1sMm0CFYRiGYRiGYRhGGeS+PjhWWJ0bO8GCjWrZ3NqD86rI4GcTWLlxL3XcWVlgGEbv0HsysNqAEjBG78gLVIxUWDEjV5TQR6usjDEMw+gHBrr0k2EYhmEYhmEYRhUoX+mDFMB+FXWsAqUsIKWe/OvOO+9032SjnZ/SOWoYRm+47LLL3LsmdZZ9Mox2oTyRh+BN0SbxhmEY/YgFKgzDMAzDMAzDGBFQRo3NKyXsD1EHa6yxhnvXhE0uKQERglKne++9d1pv3kM99ZVWWskdGYbRCyjpyZ4GHlZGxdw3xTBiwOqSq6++2h01ywaOpDLAhmEMH6z0k2EYhmEYhmEYwxYcNtTupsQTpZWoP+2hzNLhhx/ujuLDvhePP/64O2pmubJ58Ze+9KV0T5AXX3wx+dvf/pZu8MpKDwmOJ3OIGkZ3YU+IFVZYIa31/95776Uyw+8ZAz//+c8zN8U3usdIL/3EqsAf/vCH6Wbe7C3AHjMS9jVhzynDMIxBwwIVhmEYhmEYhmEMW772ta+lThsNG37efPPNyahRo9wn8WEj44033rglOFKG3XbbLRkzZow7MgyjWxCoYCPkEKuuumoaVOz2JsnGUEZ6oOL2229P55YQzB3MIYZhGIOIzbCGYRiGYRiGYYwocGyRGV1nkAIWWmih5JprrklXVpRhwQUXTK688koLUhhGn8HYZA8ZC1IY/cw666yT7LTTTu7IMAxj8LAVFYZhGIZhGIZhDFsuv/zytEwGteZnm222ZPTo0cmWW26ZzD777O6M7sDqiquuuiot8cQKi/Hjx6erOriehRdeOA1qrLbaasm0007r/odhGN3m3XffTU4++eR0vP7nP/9Jy+cstdRSybe//W0bm33Erbfemjz99NPpe57Lt771rfT9SOHZZ59NzjvvvOTRRx9N3nzzzWS++eZLVllllWTttdd2ZxiGYQwmFqgwDMMwDMMwDMMwDMMwDMMwDKNn2LpFwzAMwzAMwzAMwzAMwzAMwzB6hgUqDMMwDMMwDMMwDMMwDMMwDMPoGRaoMAzDMAzDMAzDMAzDMAzDMAyjZ1igwjAMwzAMwzAMwzAMwzAMwzCMnmGBCsMwDMMwDMMwDMMwDMMwDMMweoYFKgzDMAzDMAzDMAzDMAzDMAzD6BkWqDAMwzAMwzAMwzAMwzAMwzAMo2dYoMIwDMMwDMMwDMMwDMMwDMMwjJ5hgQrDMAzDMAzDMAzDMAzDMAzDMHqGBSoMwzAMwzAMwzAMwzAMwzAMw+gZFqgwDMMwDMMwDMMwDMMwDMMwDKNnWKDCMAzDMAzDMAzDMAzDMAzDMIyeYYEKwzAMwzAMwzAMwzAMwzAMwzB6hgUqDMMwDMMwDMMwDMMwDMMwDMPoGRaoMAzDMAzDMAzDMAzDMAzDMAyjZ1igwjAMwzAMwzAMwzAMwzAMwzCMnmGBCsMwDMMwDMMwDMMwDMMwDMMwesZUkxq49wPJfffdl7z77rvp+znnnDOZb7750veGUSfvvfdecu+997qjJFlsscWSmWee2R0ZxuDw/PPPJ88880z6fvrpp0+WWmqp9H0WTBn0/cceeyz597//nXzgAx9IPvGJTyTrrbdeMt100yWvv/568re//c2dnSRLL710Ms0007ij+IwfPz558skn3VGSLLPMMsnUU0/tjoyq3H333ekzhllmmSVZdNFF0/ftQj958cUX0/czzDBDssQSS6Tvjf7j/vvvT9555530/RxzzJHMP//86fu6+cc//pFMmDAhfd/Nv2sYRjV6JSPaQc49H/rQh5Ill1wyfd8tBsU+Nfnb33RbpzYMz8SJE5OHHnrIHSXJIossksw666zuyDDiYDLOyGKgAxX/+9//ktGjR7ujJNlll12S/fff3x0ZRn2g2K+++uruKEmOPfbYZNNNN3VHhjE47Lfffsk555zjjpLkueeec++G8ve//z3ZZ599WoJ0Hj772Mc+lowbNy7ZYYcd3KdJevzZz37WHcXniCOOSE488UR31BybFjRsD579sssu646SZMEFF0xuv/12d9Qe6667bvLAAw+k73EUXXvttel7o/9gnBK4hDXXXDM599xz0/d1s/zyyydPPfVU+n7VVVdNLrroovS9YRj9Ra9kRDvstddeyS9/+Ut3lK/bxGaQ7FOTv/1Nt3Vqw/DceuutLb6NCy64oMX3YRgxMBlnZDHQpZ/ef/99984wwpD5tfvuuyc77bRT+rryyivdN52h43sDHO8zRjhajmb15ddeey3ZfPPNg0EKSdnfi4XNA/HQbcnKMWNk0qs5zcazYQwGI03vrWJPDKocM/nbf+hnYvZmdR5++OHJ45aXzN4eaVRpC7MBjG4wUmXc5Zdf3jIWWcFktGJ7VBjDmjfffDO57LLLUoOCFxnhhmFUh3HkMyk9ZDyQXcNKiqmmmsp9ahiGYRiGMXwwe8IwBpP//Oc/k8ctr//7v/9z34w8rC0Moz+gAoQcixYYHIoFKgzDMIxC/vKXv7h3TU466aR0eSZLgVllMddcc7lvDMMwDMMwDMMwDMMwDKMaFqgwDMMwCtGrKb7yla+4d62wJwGZhv71mc98xn1jGIZhGIZh9AvsG+X1tV/84hfuU6NfMJ3aMAzDGIlYoMIwDMOoxHzzzZdMP/307qiVaaaZJpllllkmv6aeemr3jWEYhmEYhtEvzDzzzJP1tQ9/+MPuU6NfMJ3aMAzDGIkM60DFSy+9lJYrufXWW9MshDfeeMN9Ux3qhlHX7/7770/uvvvu9PXII48k7777rjuj97DRG5sicY3//e9/3afd4+23304ee+yx5K677kruu+++NAO7043Z3nrrrfSe7rnnnvTfQailyCZA//73v9M2oO898MADad+Jwfjx49PfpT/zvDuF5/Pkk0+mpXueeuqpKBsY8RtPP/10+sz43SeeeCLKtfaaCRMmpO3OPfEMXn75ZfdNNZAZzz33XNo+jBV+79VXX3Xftg+bXT/44IPp63//+5/7dDBgnNMPadfbbrstHevUg+4U+h2/+6c//Sm58847o8iksvAMkIc83zvuuCOVA+3K5brap9fQRsyj3FMnY8oTs83rIrYMrwIyLKbMGen4OYG+VjR31qGfeZ30z3/+c/Kvf/2rIx3XI/VcZA6yJwbMT37+RB4XyS9kNXMksgE9/sUXX3TftAf66aOPPpreF3+/6PeQRWw6ig5Hezz77LPum/ao4/nXoWvVKSNi6yj0TZ4R4y+Wjt0tYtqnUIcuX5YqcrAMg6Qjc63Ye8jgZ555xn3aP/h+4WUE7zv1W8Rqx0HUa7lmrpP25N9e+CQYb8wjXMM///nP9LgXMNYZp/Qrnl+M+aeOeRJiyygJ18y9I6t4Jlx7DPlSR1vU2X+93wsdi9/v1pzcy7kPPZF+xf2iVzKnx9DDjSlM1Xig3XuikWGyXHTRRd1Rkuyyyy7J/vvvn1xzzTXp8tU//vGP7pspsOnrmDFjkg033LBw81ea5pZbbklOPPHEVAkJQfbJSiutlGy77bbJ8ssv7z5t8sorryTrrbeeO2pmrfz2t78tzIZg0H3ta1+b7LTh//3ud79L32tef/315IQTTpjslJFwr5/73OeSzTffPPniF7/oPu0Mdqj/6U9/mr6fd955k4svvji9z+OPPz656KKL0uvRfPWrX00OOuig0jXsMbhPOeWUVDgzCWtY9vrd7343LT0TyuqmHXbdddf0PZOTFPA8rznmmMMdJckPf/jD9PqqgmBaY4013FGSHHPMMWmfOu2005Jf/vKXqbDUfOELX0j7yVprrZVmyJQFBeCcc85Jhb+erHi+9Lvdd989mWGGGdyn+dC/zj///OT3v/99OqnIZ0b7fP7zn0++/OUvp/0ma4zwjLbeemt31OwXo0aNSs4+++zkrLPOCt4/z+3ggw9ON2DuFJwO66yzzmQnyre//e1kp512St9nwTVxnmfPPfdMn5nkgAMOSMc8fP3rX0/22muvdLMj+jdjV0N70Q7f+973kg996EPu0zD0S/Z1oN1DfPSjH03WXnvt5Pvf/37pscLkjHxCQXr88cfdp00WWWSRtH/stttuySc+8Qn36VD23Xff5LzzznNHSeqQ4bkj/zbaaKPkhRdeSD/Xv7/gggu6d0my/vrrJ/vss0/6nsl67733Tt/Dueeemyy00ELuaAoEf6+77rq0TbTs8vA3Ntlkk3S8Z7XvYYcdlpx88snuqLk5Ff3jZz/7WXLhhRdGkUllQeljDDD/hP4u8FyYF3beeefcMRurfaqAosn497ByhufZCZQt8Ne/5JJLpmUmUJB5Pr/5zW/SzyVVxhR02uaMn0suucQdheVCCDY+O/roo91RkvZ55u0QsWV4FXDknXHGGenf1nIZmcM1M1/OOeecqWz2Jd6+9KUvtcgFYN5gjvPwLGeccUZ3FObnP/95uo8NcC7/R8P9+2tbeeWVU70CtCxZeuml0/FQBp4j9+xhXv74xz/ujsrBHjxHHnmkO0pSp+IHP/jB1Bjxe/R40DuXWmopd9SE/hhbP2MzX/5ulvHKvPjNb34z/bcMOK14zjfccENqbIXG0HbbbZde5+jRo90nYULzJ7oS86dsKw/zxsYbb5ysvvrq7pOmLoH+x//T0E5cy5prruk+aSWkn+IQ5rNf/epXQ+6N30MuoBfwXAFjl/Nvuumm9FiCvN1qq63SV5ms5hjPvxu6VkwZoYmho0jo87Qpv8d1S7w9xthfYokl0v7HuPfgVKsKz60de6Ju+xRi6PKA/kDCAKy22mpp35F0KgfLQlvze/2mI/NMvT2+/fbbJ1tuuWVqe2DzIit8n0AuMT5i6xNldWrPxIkTk1NPPTWVO6F+Rt/4xje+kWy66abJpz/9afdpPrHGcTf1WtoJuQZ67NKX8K140FHmn39+d9RKpz6JGDA/M4cxzr38lfC3v/Od7yQrrrhicKy32xbMg8gPD98hY5l/kP26L0DV+SfGPFm3jEKHRzZ7aAf6JteNThbSm9DDGPs8k7KroGK0hSZW/yXJCpnh/S7Md8wvp59+emprh3QR9Hn8CJyH3MkC+Sd9OPhbll12WXc0lFhzXzvgY6A9ee5ZrLDCCumzR47pv49ti64NtKm8dmxur4t+5CMfCerNI41hFajACYEA9kZxHhhGOA6yhAfZGwzIrIk0xA9+8INUgZKsuuqqLYIBI0MHNDQYStJ5jhElFRgPAhijLSQcND/+8Y9TBatTpFOQAUUbbrbZZsGJU4MgQwnOAsHD72HslgFhhBGiJ0Mt8PIgwMD1V0UHKnDSIlBCxrWGdqMfzD333O6TMETTee7SCZvFJz/5ybTtihwxKCcIyZARrsHRQPuEFEWtvNx4443Jj370o+T22293n2TD5LbHHnu4o/bIMgLzINMaBctz6KGHtjgAQDpVMUZQBsqMG57ppZdemjpHQtCncSqUBUWFyT2Psv2cccLfzlJssgIVOLDKOg+kjCqjcJBtwgSOrCsDijRGIc4HjQ5UoMzTH6QinkWRTKoCsgjHSFnoM/yfkHEUs32q0I1AxTbbbJMa70UUjSmI0eYouijpHhTMPAXUw7zhnbJAMoOWv3XI8LKg2mGc7rfffu6TfDgXWZDnhAwFBaWBGwLnBfOdJ+QszApUoIfRLhKMLRymeeCclmMBR4p8VmVhTKHXecheZ67T8waQTILB54mtn9EWzJ2hgHkIggBHHXVU7vPB+cRcLAM6eXzrW99K+3OW3qznT5xgZcannyOOO+64VOcoAocB/Uqj9VOMSZw3RXMB8zP2w80339ySzJAFDkmcPtNOO637ZCixnn+dulYdMkISS0fxsCqSdioztzPHkGSBvPe0E6ho156o0z6FWLo8ZMlfTydysCz9rCMzf3hnEmMKfQE9Ro9BxgN+g9j6RBmd2oNTcscddyxliwKylL7pnWMhYrVjt/Vabdvk8Yc//CFZeOGF3VGTWD6JTkCO/OQnP0ltlTKgYyNjZp99dvdJk3bbQs8/BOb4/TLPsIytH2uerFtG0Q/kPImuMnbs2GCAQoPDnMBhURArts4Yu/9qv5fXR8v6vfLsuSoyLubcVwXak3suOxaBufzMM89MpptuOvdJ63ybB88jFFgaaQyr0k8YJWWUQKCDy6wHCQ46BkyVIAUwGLTw1kbPVVdd5d5lo7NJyHzQMODJzC/T2QGhRsYmAy0WLJ0ns6xMkAKYRHwkVkObMxmWFajABEFAp6yRXSc4BMoqhjwzIq157YZTgudexsEFfgLJUx6YBBGaZYQ7kO28wQYblFoayKRRxnAGsh589lY/443iMvBMDz/8cHfUCnKpigEGKHd5/Qmls4zhAIwTslbJPugHGOsYRmWNFUAxQYErs5wWZ1oZRwbkyaQq4Myv4jAH+kxI3tXdPr2EDNgyQQrIG1MQq82RiSiEHjIQi5Ysk10pnQo4I3SAoQ4ZXgVkSFkHJODQLTuXdwvqceP4kZTJMNKrNri3GJBNGjJ8NbH1MwIK9NOyQQrgXJxpWb+JU55+W0V/IghMdjkBuCJwipQdnzvssEMqF8oEKQC5UKRv0fZl54JDDjkkXWFXJkgB119/fYsDXFOnfh5T16pTRsTWUXAOIE/Lzu041PKeUbeJZZ9Cnbp8GcrKwbIMko5McA+7IGsM1qVPlAG5tMoqqxTKRgmylKBPFrHacdD02n7wSZA0RrJrFccoOjbO2brK7jBPl32GRfNPnfNkbBmlISmZ510G9FESN/LOj90W3ei/PN+ysob7IpGFhNFO6OXchy1XZSwC10mgwmifYbtHBULhiiuuSEtMkGFAZyXSLDniiCOCTio6olQaUDpYdonCQR26Z555Jq3NiCJMxF+CISchq02CMEKAZIESJMthsNSLkkES/r6OUjNw+X8IDV68ZxmXhKyOrCW17YBQ80KV6yRizPI4PmOSIPIowcAh6h1Ctzmw/JOyETikeIY8z1AWHctjMeQ9RMpZ6seLAIKEPuC/4yVLc8UCJQGD5KGHHkqVBu4Ng1lCG5ENlNUXuG6pDNAHyRakfblX/sWolwoxzwPHQGji4u/QZ6SRR4Qb44Blc0weTKYYwRKuP0+J9cgl+GQZsLSX3+Rz+oUeJ2UdEr1ERrIxHDB6eSY8O5w8PGcJYw55I8GhgxNEwv+7+uqr0/Yhg50MYZ63biO9/N5DsFNnxuDo8W3O8yTzkSwwCeOxiiOSDCs5VvTvye90/86DPoFBJSFggHwlC4b25b12aPM591UWZBIGcLsyqSyMLe0I9f3lr3/9a2ps+PHFUmAJSoyufd6t9uk1zGvIxqpjCmK2OZkuuv+yNDwPMrUkoczO2DK8CtyjzuJk/FK2ib5D2yCDkE3y7/cjesUjOlQRUocCrYe1i3a8I7PJHsUg9qVI6tDPmAu07MaBQ1vQ3ym/gPzX44dnHXKOUgdcZh96cCSR2Ya+xf9F/9IrWgiAHHjgge6oHCRmsAKBa8XQJBtRwr1J3RnnOfKAcYIeFdIXyjh9vWOAcgn8Brok+1TgBEb/kciSZsgDsi7RAXhxbfp8X0ZDU7d+HkvXqlNGxNZRKI8gS98A14QNhyym/2M/4EjAbohJHfZEJ/Zp3bp8GcrIwbIMmo5MO2tbld9hjmFM16VPFEFd9FBgmACsb0tkDzqSziZHRvCdJmY79kKvpR392OS6JQRU/HfIci03Yvok2oWVFLodWc3H3Ed7MjfyXlbgAOQhc670L3TSFlngBG93/ql7nowpo4qgH3u9ib5BKSR0DgmBTebrEHW0Rbf7L3YWf5N+wCvk92LOIngi+2UVejn38QyYkyUktvD30BFZrck53LdekaIDFayI9eON5ywhcOy/CwV8RySTBpgJEyZM+tjHPjbk1Zj03RmtTJw4cdKKK67Ycm5jsLpvp7DVVlu1nHPbbbe5b4bSGAAt526wwQbumylsscUWLec0BJb7ZigPPPBAy7lHH320+2YK22yzTcs5DaE46f3333ffttIwZFvOXWWVVSY1Brv7tjqHHnpoy+/x4np4FiH0328Ywu6bKbz00kuTRo8e3XJeYyKd9Nprr7kzWqH99PkNxch928qrr77acl5DCLhvOqNhYLT8rn81JgF3xlAuvvjiIec3FEH37RR0n6LPNpQV920rDQNuUkNBbjk/9JsNQd5yzo477jipodi6b1vh7+v2ffbZZ923TRhj8nteXOcTTzzhzmjl0UcfbTmX3+8EPfYbho77Jht9DbSJZp111mk5h1djgsscMw2luuXcxiTlvmny4IMPtnzfMFAzx2pDMRjS7g0jzn3b5PXXX5/UMGhbzrnrrrvct600jNxJY8aMaTl3//33d99OgbEjz8m6vk033XTyOcstt5z7dCgN5afl9+6++273TRPklfw+b8w0lOCWc5GlmpBMQoYz9kOUkUlV0OO1oZwNeW4e2nbbbbdtOf+OO+5w3zaJ3T5VaCjMLb+X95zLEhpTxx13XNtjCmK3+f3339/yfWgelzCO5fm6r9Uhw8tCOzDPy99jPGTNp8jshrLccj6vMmMta4xJdt1115b/E4J+5r/nWWr0/TQMA/fNUF544YWWc9El2oW+J3/Lv5DTyLkQsfWzP//5zy3n8GoYp+7boRxzzDEt54bG8LHHHttyDvdz0003uW9bQU9oGLMt5/NCVmhCY50+E+KSSy4Zci6vrGd7+eWXt5y30UYbuW+mEJoLNtxww0lvvvmmO2MKjz/++JBzefF3QjBO9Llvv/22+3YKsZ9/HbpWnTKiDh1lv/32azmH++f5heAeGPPyfP/qlCr2RF32aWxdHorkbztysCyDoCPrv+lfjHXmG01sfaJIpwbsFHkOfemRRx5x37aC3OI5y/P33Xdf922T2O3YS70Wrr/++pbfvOWWW9w3Q6nTJ1EWdFT5e7xOPvnkSe+99547YwqMlzPOOGPI+Vljs0pbhOYf5AXzTIiytn7sebJOGQVnn3128LfvvPNOd0YrjDE9b/H697//7c6YQuy2qKv/Zvm9Qr4UT8jvdeWVV7pvp1BGxtUx95XlzDPPbPktdOgskN/LLLNMy/nM7yHwXcnzkLtGK8NuRQVRVB2h8pDpoCNtMrMSGsIh3cTGQ5ZmVr1FoHaizLTyG25JiFZLyG7IQkdHWbIkIQtTnsOGiWTWZW0WQ5RT1ssk8lcmGl0WspqImM8000zuk1aI6jcGnztK0hUpGiKdjcHpjppRXzKjsrK4GgpYGhWWkPVR11LHshCpb0wG7mgoDcVwyDJ7NpTVUDNUQlZ4VgYAdSiJvEqoIc2GZR6iz0RpPTwPluxl1eyjT7P5pSR0nRoynrI2I2PjN2qTenje/V6mBhj/ZBxk1W/VWRBkBkl0f6cdssYqckRniZNNJKEvyGyCQw89dEjmhof62WRTyUy9xkTfVp3mmJD1IMnL3iF7SF4/5biK8DIpqzZ7GZlUBb8ploc+kVVbmmevs58ayqN716Tu9uk1rKRgHm53TEHsNifDULYz9aH9JvKahhLakhlI9qfua7FleBXIeGee95BJRqZb1nyKzNZZk/0GJSYleSWQtH7DvBsT+gmZn36jU0kd+hlL/CVkWbKhbBaUJJB9mTlE6rnoSTrLkf6WtVeP3zBSZ+GyIXARjA09Fjx69QeglzSMS3fUil4VU2Yeox2Y80K1oRdYYIEhtgJ/I1RqFRgnyFsJe6FIuqWfd6pr1SkjYuso9F82bpWg//P8QnAP6Kt582av6NQ+7ZYuX4Y8OViFQdWR+V0yZUP7JcXWJ4rgfnW2L+2gVzp4pplmmiEZxmTGS2K34yDptf3gk9C+AlZhsffeBz4w1G3HeNl2223T7yVsfj6phm1o0ReyNnMvM/90a56MJaOyQG/XFU88jDHGDHv+SPRKzDraopv9lzJ4+L6yCPm9uL6q/bLXcx8yXMLq4yyQ35TxkgyCv6tfGVaBCgZhXueBRcXmZqAVQQY3jiyUIf/K4+233y7sgGywJQUEy7XezVj6xPIxD8qO3tzphhtucO+aUD+yCJZhSuTGlp2CYs3O9FkgbJdaail3lKTL7jV6eRrLovI2kQOUfZzIkjznRTcoU8cTgS77AvugyBqOCGNZLgSlVbZfCDY8lpu4M3HJcinUG5STFucWKcLUEpRKKYZi3sRCHU39PDSLL764e9ekaIl1P4CTJUthAL3ZNEs4JdIhDigDKE5ZUP+bMc7rxhtvHKIMyiAnzoUi+YSypGtUUtKil+hN5DFwtByWYPDINikCp/WoUaPc0VDKyKQqIP/kfFE0Xl955RX3Lkzd7dNr2PS+kzEFsdscdH36LENIz1foC5I6ZHgVtFGPTlS0id8888zTYvz0G9qpTbk2kkpCsETeg4xcaaWV3FEc6L/8bgjGoKRT/YzEF7lXGrqD3rNDw9jCYYH+6F9SR9V7r+EQ0oE8Db+pyz2dfvrphcE0jNissY6Op51VeQ4FztdlqIrAuZOn68gkI8AJkEeecw1iP/8QMXStOmVEbB2Fsj8S7KmizXUJgmvnSK+JYZ92Q5cvS54crMIg6sjIIWRLHrH0iTJQ9kTCGCnSOQiwcA9+jiBAjD/DE7sdB0mv7bVPggC4DCSDLokVgrEh/QuUonn44SmlAmPA/JOXvAtF80835kmIJaNCEATUiQsh9HXrUsN1tEU3+y8b9xeh/V70y6r7lPZ67mNu9vbmPvvsU6gvhZLWjfYYVoEKlIeind1nmGEG966JrgFKxydq519ZBhz1IKnzRqafzDoIQYeWBhCDLZQhgGNCZoeEMgHl4GbgYzhhsOe9uGdZM43adLEoUoZACigpaICAjZyQUVrLCH/QApK6jL2CKPi8887rjrKZccYZh0SfZcawzi5abrnlgs9Uv3Smi/xN7Yhddtllg7+hX0TZJXmbEemafCG4d8k7JTbk7DVa4dLghJH9Wyr6wOQmvwdkAXUaqXutFXU2j+Vv/n979wEmS1G1cbwBCYIgQYKAKBIFJEuWrKIgiigqIElylJxBBMlBiRIlCwgIggoSJCoIkiSIHwhK8AKSJQgi3/33VN1bc7Y6zEz39Mze9/c889yZ3b27Mx2qq8+pOsXDBmXYXuG54vdPbN+FD25CQlXUTu2FPVY5b/kaow0Z1cUIsxABEr9NyiwwuMgii7hn2fLapE4RXAuvGfY4B50jAu6MpinqiNa9fZq24IILumdxRecUqt7msLMXr7jiCvesXdh5533aEVN1tOGdsNf3sjMKigIvTaJdDD8HN742OAPqmXND43FTUXSD1gna0rzZDFX3z2xbTfArdqxbJDMIEvlHOLLWjmwlmRAbpWktu+yybaNckdcnIEBgf94KE8r0/YpuPPMS0DEsTp9n+umnd89askYge9NOO617FteP/nkVfa262og6+ii2X0/fqQzO0/A60rQq7k/70Zcvo6gd7MQw9pEZwJQ1I9Srqj9RRrfnCLMw/DXioosuSmdGoI7tOCz92kGISdg+JNfz2Mwdi3PDttFV3+9Vcf3px3WyyjYqhjhOmX7TYost1nZecL8ZHutVb4t+Hr/ER8us98HxYONesQFoeZq+9pEY8febduajx3FOEoZBPU0PnB5NRlWiwo5GqQoNPQcd07i48eWGjZkOjHywmcssdpQEi1RZdsRFbGG2cJQlDR4XcALkRY9whCeNDydwFWhUe2E7oUUjpUJ2tomdAtxPnRx79n0TXPFsEIHMeWx/2ocdZRkGuewFnRIPsd9hH3baXPg+LfuZRgNGWxbdWBah48hoBouFLBkhQ0edZB8jYM8777zcWSY2cMnsq9h+sw97bFbdce0U7Wes7AeL/JH45eaTUTvcDF511VWJLdNTJKskRL+wUC2JaEqj0LmhM8c+YIpw7Fiw6t4+TaLT3Os5FdPrNgfvje3qEfC2JSC45obXaW4KbSC8jja8EyxY7HHjkzfjMWRnsgwaO0I1nDnhEXAJdTM6NQ/XzqwZAqi6f2aPgaxyP52wN3ydXLsJGoXy+gScT2Vu5L2s8qG9oKxaJ2zA1Mrb9+hH/7yKvlZdbUQdfRTbnpZtpzj2ipLi/dTJPUKWfvTlyyhqBzsxjH1kG/yKqao/UYZ9v70G9uvYjsPSrx2EmIRNVHTSdtjSiZ0GhItklXzqRD+uk1W2UTGdxL7s/gv3SdXbop/Hbyd9EfuznV6DBuXa57344ovpbBh+PwkeBsUQM+Jfu3i29GZUJSro8FSFkSyMxOTiynQoDkTqm1FLspuLz+KLL942zfzyyy8fkWUOb7y/8IUvjBg99tprrxXO3iir1xE1XtGNXRHbwerkIkgjFAoz0/1mp7XmsTda4fFkb8q6FV4Iq9ou9gIYqiPI0LSi0Z1lEWA7++yzM88VzmnOfQKajJJguuIf//hH993xbOe1W1UdY72gRiXTJ7MwIuScc85J13yhk0fJibwb1FBTxyIdTt4nbRh1zg844IB0lBodSjqgnahz+zSp6mnYVW5z2JHF1157rXvW8rvf/c49a7GjJlFHG14WfYTwc3eStKNGOsGVQUXbGN4c/vznPx/RhwqnwNNvqyKwH2KUZ5Y6+mf2WMr7+2X95S9/cc9aOtlG9ua8qpu+0aBf/fNer291thF19FFsYq2TvnavA6mqVMX9aT/68mVU0Q6FhqmPzHssO9iiiv5EGfa46OQcialrOw5Dv3YQYhK2zeukjbZtXtUDOHu9L+7XdbLqNsrqpK9s+1i+/a1jW/Tz+K0q7lXGIFz7mKVPG85AOGYLk1hmvTAGsjOTQuoxqhIVVXnggQfSm1xGeWSdTDRS1IFkUaEynWEyu+GIQG4UwvJPnIRkRT27ADeqqCvqVZWo6JUt69HJTI9ORuvVrZOFT+1+DIMtVe3jcBGkrPVQOlXVBXVCxMJKDz74YDrimyRkHmqIc8NCDfDweKjq2Ki649oNRo0xfZKRnUyltNPCLUadrbTSSsltt93mvjI42C/Uw+Z6kFWHGEz/ZfqrrS8aM5q2Tx3q2OawC6AxoCAU1m2mTExstFIdbXhZ9m932vb70g+DiD4UgQuPPtTNN9/sXrWCK2E95vXXX989q07ezW9V+x2+f2bLYZQp+1TElpPpZJ9ThzzU7YLvo1Ed+78OdbYRVW2DvD5KJzPyBrk968ag9OXrCAIOSx+5k9HtVfQnyrD10Hu9TtS1HYehXzsIMYle3oOdkTNo1+iqji00majohP3Mfv/WsS36efx2cj2yn9UOMirS9LWPvjjXHO4nw9ksIZLYxI532223ymdzT8iUqDA4GDkQbRafsgys8M8ICEYJcKCee+65afKhbN1cO1qC6Y3eNddc4561DnYWtrFsJpsECb+j0wcX/247RFWzF5NORk+MGTPGPWth6mhTOrmxtBndMNtuSxWw4FhsHxY96AR6dhszEjX2f4oe3/rWt9xvGE6sK9MkbpoZCcaCTkyt5jwkGUqwNeb73/9+eiPm2WODZGZsPxU9br/9dvcbmucXRWZqOVM7L7nkkrR0T+wGhsAknzlWm75JjATkEaItYl0EzjUWA+WcpywN5QPD2qJFRsP2qUNd25wgWFjfmeu8HzVO+xHWHc1qD+tow8ti1G44KrWT6xI3AnUkMcPR272ypSPCWahhOU22AetGVS2vlFAd/TM7as+WDumGHd1nR+DlsT/bdJm9QTIs/fM624g6+ij2eO1kFk8d7VmTBqUvn9cO9mIY+sgzzTSTe1asiv5EGXa0cq+zEOrejoPcrx2EmIQt3WV/bx5btquKUoFV6td1sq42yuvkuLCzo311lTq2RT+P36riXmU0ee0jyUL7FK5/B+K03F9yn8mMCmaEXXrppenPdvr5JJsSFQYHf3hi03DceeedyTHHHJNmyBhN0W2NbaZVrbDCCu5Va3Etn1UMb7hZSIwp1hYjCsPyUc8//3wagOn0UWax2X6xjU8n07vCGSiYf/753bP+62SqrL1ohTf7dmEijoPYPix6hJ1pOz2PxFrs/xQ9uj3uB0VV05mrwKgXzkOmOJPw5AJHG2NL41BuzrOLqb399tvR/VT0GNTgEqPAaB8ZjcANDDd1PLfYXoOCwI0NKHNjzeKAO+64Y1rLmP1WRa3UYdw+dah7m3P9DflBBLfcckv6r8eC3jF1tOGdCM9vRg+VrfXcyc1wJ2ypoV6wmDFBC49+k/98Ydkn9mEd16u8Y6qO/pkNQNkgRBYSClxP/OPuu+923xmZXOgkUWGnt3dSVmC0G6b+eV1tRB19FHsOdNKPq6pcxKAYlL58Ff2ZIoPaR+501HGv/YkywnYHZZN5t956a9t1wp/f/bzXGLR+7SDEJGwJHvt789iyUXbNiqb16zpZdxtVti8GmzD3Qew6tkU/j9+q4l5lNHntY6YfyaAQCYnzzz8/HdjOzP0qlx6QdkpUGH/4wx/csxZqKuYtTMW0uk5qk4U1Kxkp8Pvf/z6doUEnzKPWdpZwcS7+f9kRQ4xQIZjDo5uRmnWxo7vYDnRUymARrlCTF2QCJiyuU4TjhQYuFDbYLP4aYopzGQQb/P7lEWZ+mYoWotEtg7Ia4e/sphRJXez0VjrSRcJFq/qFequcbzzCGyqLc4BZW+EIKxBE8OU/GF0bdmrYx2Wm9RLY/cEPfjBuP1588cXuO/1HYtZvDx7hKGiLz8vIhFNOOcV9pWWQakEShA1HjDPCghvrSSaZxH1lJHsjERpt26cOVW9za8kll2wbye7LNYQLNa+44oojRrt7dbThnWBwRSgcBJGnzM/Z0j+2jJBFALTqUc22pBMJKo6JsA8VJjP6qer+me170h6UmcrPvgwDUG+88Yb7zsjA7wUXXOCe5eOGNzwmCRjq5qzdsPTP62oj6uij2CAso6/L4G/3OrJ80IzGvvxo7yP32p8ow54jdi2MLMQ3wuvElFNOmX696u04TP3aQYhJ2Gs0v7dMMpn+2IUXXuhetQzajAqMhjgWa+GVQdKQOJ/HsRXOpKh6W/Tz+KU/UEXcq4wmr33hQB/st99+I96PFd6PSG+UqDBs9nGBBRZwz+JogMKgSZE11ljDPWuh0xV2KugckPXL8rnPfc49aynTWL/yyivJvvvumy4OzqOTEXT9EK7dgUMOOcQ9y3b//fePuGlabLHF3LNm/OQnP3HPsjGaJsxac0EJOyWMxiU763ExLNNBo3Pi9y+P8EJFjc8Qx0yZMkhHHHHEuN/HBWz66ad332keWfHwMxaNGuBm5qyzznKv+ofEJyXjeDBF0NaStRhpwSJNWVjEyeMmvEyQiZFbHJt+X7711lvuO/1HoJMOlt8mxx13nPtOtqxp/4PAtqVFnS86bIwayzLatk8dqt7mFiMmv/Od77hXrUQDnc6wo50XCK+jDe/E2muv7Z61HH300YXnPH0YjrcidlRT0Ui/MtfETlEeIgy0MpPC1voOt38/Vd0/I8gQHgccRyRm8hAUssd7mDyz9d9vvPHGUuUADz30UPes5bOf/ax7Jt6w9M/rbCOq7qPYbco9U5kgRZlr57AZjX350d5H7rU/UQbJkBDlsIoCcjaASrIkDKBWuR2HrV/bdEyCPkxYdoe2l+1ZhKRfmJxlMIGdnTEIRkMci+D/9ddf715ls31g24bXsS36efyW6eMXxb3KaPLaZwe6FZV1InnDMgFSDSUqDGonhvI6xDQO4eKOZTDNMayRdtVVV7VlwJlxkTdljSmS4UgHOu15mV1G3+2///7uVcugLfKy2WabuWctlNo6/PDD09EZMUw322677dyrFlbf5+JepEz2t1uMBmJ/ZqFzesABB7hXLWRm7ShVaneGdt1119xagCwgeuKJJ7pXrbqCYSeHDHvYEaYjQ2bZLroUolMajgTmwmffZ9PCRe1YbI0LbQyzLdjOnSQUq7Lgggu6Zy1HHnmkexbHTVq4ICwBuXDUqr2hoQMS/rzFSDN7zK211lruWTMWX3xx96wVeCsKItvatPamrEl2RDH1drNQ55Ibcdq3PKNp+9Shjm1u2bUQWAAyVLTYZ9VteCe48Qn7CCRpef/hqPoQX99pp51KtY/25iLvJoVRSHUEC+kfhX2Gm266KR0N6tlt309V989IyFPOLMQNKrNws3CNCUdzsVbHFFNM4V61ynrQXwpRaiOrRBfvkeDSdddd577Ssscee7hn4g1L/7zONqLqPgrHKyPpQ9tvv31moIo2n+OVdqFudd5PxIzGvvyE0EfutT9RhMQ8iYYQfY7XXnvNvWpHMtveQ9v3UPV2HLR+bd6528+YRAx9HHvdJ5kczsKxGHDAmi2hgw8+eET1gZh+t2OjJY6155575g5CIkBvB0gyWyhUx7bo5/FbVdyrSJPXPkrOhvL63yRn2f7dxpuKEvUTIiUqDDtNbuutt06DoB6jM6lNRzaPqT/2YGSxQzoBecKalfz/MNNoF9y2WGyMi0+Iho+ECQ1meNLyeosttmir3UyGPZxqNggob2BvRI4//vh0ETIWRfXlJRghwlRSOlQ2O5t10+ynsnp0jvgd1OZkOis1AatECRIuItz0+4sC75u1T9ju4WgHOtj2c4PjIxwRSkNL3XXed/h+aRCp22kvUjYIgb333ts9a6EB//znP58e2+GUUt4rgb3dd9/dfaXFdloHwcILL+yetTBqiREOXMjBzTUjRZnFxMW/CXYGFSNeaFMeeOCB9Iba41hhiqKtZ7vsssu6Zy20T9tuu6171Wo/OB+4uWPKqJ+ezb90XCkjF54rjJKyNX77zdbi3WabbdL21C62xWdj1JlNBufNOOs3W5qFEWXcLISdDT4Hoys4FmKBXVvrdDRtnzrUsc0tbhzCUehhZ5fBBAw4yFNHG14WN6Y77LCDe9XCjcSaa66Ztvc+eMG/vObrtv5qFts/YjYoARF/o0vbSy1a2iM7artKNvATqvPvFqmjf8axEM6qoA9B8oESIgSYwbWEmyf6H7Z8Sni98Pi7Ia4dlFCj5q7vo9CP5TrFe7ej/EhshDfX0jIs/fO624iq+ygc1yGCH/Rf2XZ+5DjbluPVXy/r0O/7iZjR1pefEPrIvfYnyth5553dsxY+GwuTM2vCJyDZhrxmm3O8enxee02tejs23a+1Cxefeuqpaf+Fe0QGVYSzaOqMSZTFvrMl+jbffPO0tBaDc9ju9Le47h911FFti7aD+FRWX6iTbVGH0RLHoq+02mqrpW0W/V7aK/YJSXTOE5swIFBuByDVsS36ffxWEfcqo6lrn51BQbvF7Ixw39AXZ9A57XzYtnpZ6wZNPfXU7lkLv5t7V2Yasq8kSSYae2KN7wkMGQ7McFQ1GUFGm+WhUQ+nrHMwb7rppu5Vktxxxx3RNSI4cVm8hQt0EX6Wi3xW9puGjPIF4ckLvlY0ysDjBOQkjaHGo/3dHiUSeimRxPT/cOQnDZO96FncEIUNK8kci4aThpkOTwzblA5MDKOn8rLrBLT9Db3FKAVb87oMLhhcoIrkvW8aOjudzeP307GL/V9+JyMkY5+JjsnJJ58cXfCNfWBvTj0udsw8iP09e46A/RR2jAhwEOjIw+clqOXdcMMNXY8aBh1czpkYPo/dPtwshOdv7HPROfQ3EUwvL1PrlVEHfrtxQ88Uw9A+++yTnH322e5VOx/sibUrfAb+vq1dS7vHzVrW6Kas85+/RZtkZ43ttddebQvVsV1js7o4T/woRX6XXc/How3jJsQjSRSOhqIjw7TucNSvx7HNIsIESGLHN6PGzjvvvLZREXW1SWWxL8Ip9B77gWBfVtsT4nMTYGSka9XbpxN0ppZaain3Kn8/l1XHOVX1No+hA29v/nHJJZeko6CK1NGGl0W3jlFLlFuIibWPFsdg2C54/N5YGb2s38lnDbdB7Fwj2OTbQI7hvBFlHiMOw/IZYNuVmYpeFjce4cKeZa9ZVffPOGfstcrL25fcPIZtcYigX9YNo91nIT4/NcZjixJ2eq5zfvibOs75olHw3GhyUwpueP1zr9Nrga/N7jGDOq80ADf7jEz0uJFkxL9V5f6vq69VZxtRdR8Ftl8RyjteQ71c572y9xN13J96VfblUdT+dtsOljXofeSi/kgZvfQnivrUHvvXJqq9vHYn6/dVuR2b7NeC4DHB+ywMeAkHYtQZkyiL/jjXyKz9lvUe+Dr7NGsx5E62RZ33+lVeJ+tuo2ifaKfysN0R2ye0VcxKjfUXUHWfsY7jt864V9k2ruprXxm0S7yX2O+lrWOgVtbnDbFd6O+GMwBJ5jBbNYafj7WXExrNqDCWWWaZ6MHMQRjrKHFjFAa8wM/6jGUMAQhbQw7hQttFqLvGqJOYrAaN4EIvSYo6TT755Gnnj45MTFYDwSiwog5B1naqElPQYp3NrPdN5zorSQEfDKDhtfidsc4cHQ9KbWQFuNhO1C6N4ffF3itT7Ltt3Os222yzpTfaMXb7sB2bWKMCBx10UNrZj6FNibUrXKDoeNFBscjAc3HL6mjGzn8+Px2EWACg3xjNyU1brBPJMcjIjtjxzc9z/PZys1IHRkCwvyz2g/0cjAqjo2L3XXjujbbtU4eqt3kMQVeL84g+Qhl1tOFlkWhklNYmm2zivtIu9re5TsbaG4vRXrHPFPudlGGKBWeq0Gsfqk5V988Y8Ub94NgxH9vu4LptR6KH6H/EgszIOjf4TASgYkkKGW8Y+ud1thF19FEI2JHAjYkdrwxi4f9ULWu/9tNo68tPCH3kXvsTZZAIy6pHn9Xu0N+IBQRR5XZsul/LqOiiAHuozphEWawvQXyJ3xsTew+MYGeGV1aSAp1ui7oMcxyL92H7weyPrH1CwiArSYGqt0U/jt+q415lNHHtY7BLOKAlxLXJ/k3uTWLJXX7Ozg2gbx/r18t4oypRUWZnl7nBovPOtC3bCHn8HTL81J+jk0+H2F58uSjniZUuYKRGWQQyqPvGaIysEaHelltumY78slNsq8C0taqwb7hxpqRB3rQ+Gjw+E2V+ykwH5WdpZPhZu0+rmHILOnRM/yNrm9Wp4G9TxoHGOm8xOM+PMGS6W9axCH6OUXF0KIuOb2qGMloi6+bU45hi0c6iEQReVduxU0xNZlRt1jYH5xrHSqyDnMfWwu8WHewf/ehHyZlnnpk5A8RjP3PTxkJdCy20kPvqSFw4uUljhGfe56Kt4saFGpVFC0B1wpZA6BQdNjpEnC9FgQ/OFTpcnDdFMyVQZZtUxjzzzJOeK+HigxajfwnY0raRYIvN4ppkkkncs3q3T5OqOqfq2OYWbbqdKswI9KJre6iONrws+ggcP9zo5m0n/jYdf/oTfOYijDhnNgvX1Sy0x4xsz0ooVYGZP+HvZvtWvcBzt9e1OvpnTClnRB7HdF6bQFCJc4N9X5Tw4iaWUXIcn3n7ib/Nscln4ga4jDLnepnjLdTp/ii6FnR6HSt7LNfZP6+yr1VXG4E6+iiUxiUIl9f20A4wS5R+IaO0q9bt/USZY6eTtr+uvnxM3f37Qe8jU02hV1X0J8qg3AyjkRkFn3fM8X1mvxUl96vcjk33a5ltwvogfA67bWLXgrpiEp1gW3Ke05+ypaBCfCYGzjLjIS8g7nW6Lbyqrz9VXSfrbqMsZpzQHyMInnWesb+Y1co+yev/o44+Q93HL21a1XGvMvp57fPoH7Fv8j4D5X6ZjUIpNq4ZseSIrVZB20ZZTa4N9vyu4rozGgx16ae6UaJpzJgxaaafmtYsqLLAAgukC0rGbgBZzPfhhx9OG34WCOvnyFZqo1Ijj6nNr7zySjLLLLOk75NHVYGPfmPxUT4TD2psEpxiKnVVnZa6cNw89NBD6bRNMrzsA46bGWec0f1E5yhnwoJHZNZ50LnlwsDv5mYsVqqnCNN6yQZzzFDTj+Pb/067eNCgo14n5ypTWjleCEByDjBNv6rgaFWYRkh5JY4P3jPvb9ZZZ00f7Mtublz43BwX7EvqJjIShzqVBGgHfYQ9lyDOE79NWGuA7cD24GamqIM3SGinOKco4cDoCdosRjbFOrIcB4yyoQQQo2Kybi5G0/apQx3bvA51tOGd4G9SCoe+Atcojhs6xnPNNZf7ic6xvekb8bleeumltGPN56H/U/fn4VwIy5RRaiAsNzBIqu6fsf/ob7LtWcSU5BH7kt+XddNchOsG75HfybHCdcn3d/MSelJsWPrndbQRXtV9FPqvrGNA35VrAG0P10QCCRPa8Tqa+vJQH7kaVHZgNinHxJtvvpn2F+ecc870uOj2M1e1HYexX9t0TII22W8vHsSh+Pu8j7IDCAbZIF8nbemnsDwWa3pQNpL3zXFBYj/rHqSsOrZFr8evLf0UljqsI+5VRhPXPu51uOfhwX0On5NjIdb+sT0YXEEbucgii3Q8OEeUqBARERGRIXLsscemN0oeszyqnDUmIiIiIhO2vETFhCIvUSFSl1FV+klERERERi9GsIWLrzKtXUkKERERERGR4adEhYiIiIgMBWphM73c22KLLdwzERERERERGWZKVIiIiIjIQDr55JOTddZZJ9l3332TL33pS+nC4x419FdaaSX3SkRERERERIaZEhUiIiIiMpAo9XTnnXemCYr77rvPfbXlmGOOSReVFBERERERkeGnuzsRERERGSoHHnhgsvTSS7tXIiIiIiIiMuwmen8s91xEREREZGDcddddydVXX508/vjjySSTTJKWe1p33XWThRZayP2EiIiIiEi1HnnkkeTuu+92r5Jk7bXXTj784Q+7VxOGl19+Oe2He0sttVQy33zzuVci9VCiQkREREREREREREREGqPSTyIiIiIiIiIiIiIi0hglKkREREREREREREREpDFKVIiIiIiIiIiIiIiISGOUqBARERERERERERERkcYoUSEiIiIiIiIiIiIiIo1RokJERERERERERERERBqjRIWIiIiIiIiIiIiIiDRGiQoREREREREREREREWmMEhUiIiIiIiIiIiIiItIYJSpERERERERERERERKQxSlSIiIiIiIiIiIiIiEhjlKgQEREREREREREREZHGKFEhIiIiIiIiIiIiIiKNUaJCREREREREREREREQao0SFiIiIiIiIiIiIiIg0ZqL3x3LPRYbCP//5z+Spp55Kn08xxRTJwgsvnD6X5jz//PPJk08+6V4lyeKLL5584AMfcK9ktHn88ceTF1980b2qzqc+9alk6qmnTt5+++3kgQcecF9NknnnnTeZdtpp3avR7+67707+97//pc/nnnvuZPrpp0+fS7Puv//+5D//+Y97lSSLLbZYMumkk7pX2f773/8m99xzj3vV0skx/Ze//CV57bXX3Kv2/zuhXQ/vu+++5J133nGvin3oQx9KZphhhvQcKrOvhoX6QYOFdoH2oRPst5lnnjk9Psv0l8J2YKaZZko+8YlPpM9F8MILLyRPPPGEe9V7P/zf//538vDDD7tXSTLHHHMks8wyi3vVndF4DA9Kf+25555Lr4/ci7388svJRz7ykWS55ZZLFlhgAfcTMozs/dA888yTTDfddO6VyEi27S57rzKo1PeZcClRIUNnn332Sc4++2z3KkmeffZZ90yacvjhhyfHH3+8e9W6qEwzzTTulYw2u+66a/Kzn/3MvarOVVddlSyxxBLJzTffnHz72992X02S888/P1l11VXdq9GNm006ld5+++2XbLvttu6VNIlg8L/+9S/3avzxWoTgwZe+9CX3quWAAw5Itt56a/cqH3+DwLT329/+NllooYXS5xPS9ZAERS83KJ/85CeTr33ta8n666/fc8CtaeoHDZbf//73yde//nX3qnMbbbRRes1bZJFF3FdGWnbZZZO///3v6fOVV145ufDCC9PnIrjsssuSHXbYwb1KkmuuuaanBOaVV16ZbLPNNu5Vkmy66abJD3/4Q/eqO6PtGB6E/hpJkh/96EfJ0Ucf7b4yHu0K92cyvP7xj38kyyyzjHuVJAcddFCyxRZbuFciI3FvstVWW7lX5e9VBpX6PhMulX6SoeNHrnjKtTXP7hORXrz33nvu2YTHnks6twbHSiut5J61MJKyjNtvv909G++WW25xz/KRoAiTFMwQYOaRNyFdD3v9bH/729/SYM6KK66Y3Hbbbe6rw0n9oMHSazt97rnnJl/84hfbBnzk0XVBivR6jNh+WNVtzGg4hu1naOIznXPOOdEkhYxOVRxjJDVJQvoHszZksHWyz+wxMpr6h6PhuiHlKVEhIiIdoWSFyIRm+eWXd89a7rjjDvcs3+9+9zv3bLybbrqp1M2hTYasttpqySSTTOJeSTeYFr/ZZpulJQtFBgmjn4888kj3SkQkG0G7fffd171qoeQTM5AZQa2+usRQ9YAZU/4xIQ8OGxbaZzIhUqJCREQ6wo0RI8LzHosuuqj76RZGfMV+Lnyolq4MsnD6PZgpUTS654033kjLwsT86U9/cs+y2WSIndUxoYu1I/5x9dVXJz/96U/TMlsf/ehH3f9oIVlBCQWROqywwgrRY5LHDTfckFxwwQVpQuIzn/mM+x/jUcbl6aefdq9EROJsO0F5wz/+8Y9puVTKvXz/+9933xERERkuSlTI0DnwwAOTRx55ZNxjookmct8RkX6Ycsop00UD8x4f+9jH3E+3zDbbbNGfCx8f/OAH3U+LDB7WR2C0okew+7HHHnOv4ggaZMlKYIRYryVErdbQhH49jLUj/sFisl/4whfStUDuvPPOZIMNNnD/q+UXv/hFmkgaRuoHDbapppoqekzyoHTbKquskmy44YbpyMgzzzzT/a/xTjnlFPdMRCSOBdRDrL+kWRQiEzbWxAv7h3bg4LC59tprx32WM844w31VJgRKVMjQIZj54Q9/eNxDRESkH1ZffXX3rKVoVkS4PgVJjo9//OPuVbwkVIggBOsqePzf8P9D18NyPvCBD6SjS1njI/TXv/7VPRsu2u+jB2tT7Lrrru5VS2xdGxGRPAwIEpEJ26STTtrWP6T/O8ymmWaacZ/F9uFldBu1iYp33303efjhh5N77703+de//uW+Ojhef/315P77708fVY3o++9//5tOA2Xk4FNPPeW+Olioqffkk0+mdbd5UHNvWEc0UvKDz0Kg6u9//3slixXxO/7xj3+k24bf+8QTT6THcr+88847acaav//AAw8kzz77rPtO93j/bKc//OEPaRkTFobtZTEkjpfHH3883T7czN93332VnON8dn4vI6Dvueeent8nOM95f3fddVe6XV966SX3ne7UccwNGz4zxyXb4NZbb+35HOH/cs6xj/x5x7btVR3H02jxn//8J70+s735144KHGR2nYq8GRO4/vrr3bNWkmONNdZwr5K0bXj55Zfdq5E4FkOMwq4C7ZJv51lUmnOI/kMvhqFtYpT7kksu6V61NNlXqmM/lMX6HFzj+du8hzfffNN9pztV7v8qt0uT27gT3/rWt9yzFhJoVV0v6uozvfbaa+m25fdyjctry/KwP7ims49oT/l9r776qvtu/QZ9+3jcP/E+6fdwrg3icVynuvoNw9wfqUJ4X07MhHOxqvr3bFuOWdpe2uJBU1f/HxxHbM8///nP7ivZnnvuuXQbcfwN08LWtHF8RrYd1yxe9xvbjvdA7Ov//u//eu7L1Hk+VN3vqkvV164mVR1Xe+utt9LjzPdVev19km+isTtw1ES6KMPw4x//eFxHM0R9YmrBMtWa2rEWHb+9997bvWrVgf7hD3/oXmXjAP3Od77jXrUCEVk1IWn4jj/++PTgDkdJYt55503f3w477JDMMccc7qsjffnLXx7XYGy55ZbJRhttlHYELrzwwuS4444b17n+3Oc+l0w22WRpQ+PxtymFUIRGdNttt3WvWqO97GJdnaLRO/bYY5PLL788egPATdqee+6ZTD/99MnXv/715MUXX0y/TnkDPkuIKfHU9wWBB6aEeWyPcNtSn3qeeeZxr7Lxd6gb7J133nnJnHPO6V6Nx40j3/vNb36TNt4ccx5Z3qWWWiotNcFxllWKgQZu0003da+S5LLLLktmmGGG9L2eddZZ0U4S0/YOPvjgdHG0qo0ZMyY9NmhwYx0qRvCuu+666WeaZZZZ3FfbHXroocmJJ57oXrUWfSJQe9JJJ6X7KtxOHscyNcKzfmeIDh/bhyl/sd8FzqG11lorPXYpTRTDtuY8weyzz55cdNFFySuvvJLWhOYc6vV9gu3IfuT4iO1LzvOvfvWrybe//e1SU7SrOOaasNVWW6U1cr2f/exnpevr33jjjenn8ai3+9nPfjY9Bs4999wR7Sc6OUdoMy+99NK0LYn9LjD6ne2a1ybXcTyR0Ag/wz777JNsv/327tVIbI/TTjvNvWphoWAeZYVtKr773e+2tVFZ2I5MMeZf0I5RyiSGdu/kk09OO/6xUezsP/7ummuumXte2OsTa5/YtSMsEqS77babe5UkZ599dlqCpRsMBuCc8+hbcM7HcAO12GKLuVet7Tz11FO3Hdu0FWHyIkRfIty3lIjhehzKux6GCMZxDvLzHGMx7INtttkmbUfLtCX9bps4zux1udNk+sYbb5xcd9117lWr/NPSSy/tXrXUeYxVtR+K9js3TmFfimOJ/imfnWs1gRmLY5l+MNf7fu//Ko/POo71IgSZ1ltvPfcqST8316uy2JZcQ0Lcx8w000zuVavsm+9TrLjiiun1JktVfab99tsvXfgf66yzTjrzg/4d17hf/vKX6ddD7HeuHd/73vcKSzny+U444YT0+InhGkzbuMsuu5Tuf5U1DNsHnMennnpq+jdipQLpT/L+Pv/5z6f3V/RXvF//+tfpcd4tfl/Y99hkk03Svn4vOjmGUVW/warq9zbRXzvnnHOS008/PX1O0Cxs4zhnGH3s0UedeeaZ3avxSARy7hHcjfVfuBbw+WnTwnKXFvsyLKnIPd8iiyyS9n14j2xjj34v25pBax5t9Kc//Wn3qh33kBzXYUKOYzJsE0MEffl5j3gH97ZWVf3/H/zgB8lvf/vb9DkDIDjnwbWYWFQYh4r1U7g/4vOw/W1chLVGiGfwILgd9j+IV3B/1SnaHIK14HeG7R73+ZNMMkn6fLrppmu7d7MYfHPxxRen1/zY9ZVzhn4Wg3qquLbGsP94j5y/sZgS/WT6P7a/nKWq86Hqfle3+4xzbPfdd3evWm3GXHPN5V611HHtoj/I9crjXKB/mucnP/lJeo+PrHsYtv2jjz6aPmfAFvf6oX7E1fgbxxxzTOa24Zzccccd01ivfS+xNljKGTUzKh588ME0oM1F0iYpQGPKwUUjYzsJmG+++dILln9wcJfJdNLBDv/fwgsv7L7TjuDNcsstl3bK+DmLizc3nTRo3PBk4UT1f4uEBY0WiRISCWFjTf7JfiZOljLYTuH/6zU4zr7hgs92j11QwHahkX7mmWfShtz/7dg+oMHx3yewHubaCGL47/FgMc0ijF6gQ+X/D5lzapFbvHc6DVxQWBDR3tzwmgArCRc6qnQgYxjBGb5HRtlTV5TOR6wxBcc0AU46P1Xi4snNAkGVrFEfvCeSTPxcODo4DzOFVl111fSCZbeTx0WVjmRR+RMCDnR8uXhm/S5wDvE+V1tttfRCEROeP3wuXvPzHJu9vk+OGzo67CeCX1n7kuOb85XOXFF9+6qOuWFHUOFrX/ta2ulj38WUPUf4OW7u6cRl/S6w7WmTuUHIOu7rPJ7KoIO31157jXsPPEjEc8x0YqGFFmr7HbGa6TEckyTD/f8Lg/IeATg6iiSpuLmJBQXAfuGmkGtoVuAf7JfwvZa5TjOgIPw/vYx+IZgYll+ib5EVLA9vyEEfIExygEESWez3YsFyjjv/uez10KODzb5hUenYjaXHPqCzvfbaaxeOjBvWton+SCg2IKGuY6zK/VC03+nXhH0pgveHHHJIGkCI3SyD98SNFn3KotHaVe7/KrdLHcd6P8RGbHZba77KPhPBKH8McR2mT03fLnazDv4e/SB+Jm9BcIIkJLmzkhTgGCOAwfXy5z//uftq74Zh+4D7Ifo9JAey1jPiXCYoQrCYc3y0qLrf4NX1e8uoqr/GYBj//20bZ69dsesQ/QoG/pBEyPps/F6uF3x+7g+z8PvDv8d1hxkUxGPCJAXY9gRlw5/P6wczYID9E/48geQs4fWOR2ygAPu1qv4/yRj/t+gDcg3mXOV85O9k4VrI3+f6Q1CWv2XxO7nfIdhP36IKbDv/fm27F/YnuI+JYUYM75vj9Ve/+lXm9ZXvEWsjyUybWCUSCqw5Rj+F+EVs24HrCsFtfrbo+l7l+VB1v6vbfUZSw3+PR2xGRB3XLhvfKjMT5aGHHhr381lxKGYa+Z+hj2fVHVcjhss1I2/bkMTwiYrwvVQ1G2dCNSoSFXRgyaJnHYwWjT8HExdNjwy9HbnPTVYRO3o0zOZ7dEwYuVUGBzsNPFnJIlwUmVWRldggqxtiOxUFaDihLrnkEveqlSWkUeoWQbmy+4YTmpvGXpDsCJVJztjtx/a3WW2CG2yHMscECFQzar7MRZrsdF5yKnTEEUdkdiI6ddRRR6UXT3vxy8LP0UEpswDsN7/5zcwOhMUoVD8i2yLQZ2s3F+FY4ya4CCMeGCGW1dmy8t4nI3+YIXHYYYe5rxQjwMuNetZ2qvOYGzY777xz6ZvFvHOEzhvHcNlj02PEYlFnt8rjqQwCKIzoCrGdOAY7rUdKAJ0bSI+2OKvDGLKdNnvNodPNaOoy56NHO0PnMatTPwjszKCsYzNcCJtRgzPOOGN6TWV7e1nnN8GIcEYko38YNdUp2gNmLJZt58HnyZtFOaxtEwHK8PxkP2SNzqxaHfuhE9yE28BRFvZr2A+0qtz/VW6XprdxLwjuhezI6LLq7DMxa4h7jjL4nVn9IY5DgsWd2Gmnndraw24Nw/YBQRRGjmZdWyxGxnKvORrU1W9osj9SZX+tF8wA7uT+DMwSKbuALf1gRmdn/X47ezSsZGDFymrm3X/agR02plNn/x8MlA0rC8QQaGeUv58NWYT+CveWTSNpuvLKK5d+3+AegmOBhE4VCADT78gKFsfws8xWCuN9obrPhyr7XXWq8to1CKqMqzETrGwMl5gwcTWpztAnKsii0YEN0ZBxY0SnlgfPGb0cYtqYHclDYxUiyJ6HRjMM5vD/CUKEyFCee+657lULWXSmC3JjQkaTKVlMMQ4xCq0o4EVH30/b8vg9BPv5vMwK4MLi0eEKAycxTDELG2wu6pSQ6gYXZHtDwPahw8b7JhjGdiBx5HXagbDIdjNl0uNvFN3cMD06xIU1ROeWYyx8b4yoZfuz/9iPjIqgYQxxbJTJ1IbHEKMA/bHB15maaqcZUoaiVwQafMkaj89EJ4t9w4WIKZXsK/v3GWVUduQWwU8u0nQg+Z10PDm2QxznlMmx2O62wSewRLCJDDwdJ7/tbYCUCz7fz8P5wHsC75Nt3c37BJ03e1Hk3OPc5nfxO7lB5sYkxHuI3TTVfcwNM7ZXt+fI/vvvP2Kbch5wrFPD0u+nsIQL2E9FQbkqj6c8JKgpS2g/I6N2GO3UzVRrpg8z+iiUVcLJY5R5mAgmEM/MjBDnhb1G0T4zspDtzMiYK664Im1TrK985SuZo1ibZtep8FOzQ+yn8CacUbleuNYExwfHnmV/Z7frU7CPwr4E12COeQJhjIriPOIaaK97/L9YkGwY2yYCFFzLbH/EBo7qVPV+6FTYz+C6yvlN34hzkD6yLb9x+OGHRxOpVe//KrdL09u4FwwcCdGX7VTdfaZw9Ln/vWw32jBGRtvtynHFSMgQg6W4VoX4f4zC5b2xn7geH3nkkSOu67bcQ6eGYfuAoBrBMPoUIa6TnLecswTO6V/aYOxoUFe/oYn+SB39NQb/MbKZh72mUb3Af49HOLiB9t62M7SRvD/6Khz7zB4gCMnXQ9ybFvUJQbIsvDaAQRbER5gZ9alPfaptUAzHMbGCmFhSwu6/0DXXXOOeta5J/K1Qnf1/rjG2LBq/n/Nzu+22c19J0ntsO4uHeA0zx5hBQnvAoFKSI1VjdLk/LoiThdjn/nvnRQbK0lcKr63gs/G+ubbz3nlOUi9EDIYBpLS9vaL9t+9hiy22SLeXH5XPvaFtZzmOfGmhUD/Oh177Xb3ss05Ude0aFOF27yWuxr17WMoK7DP6u7RdbDe2RVjqSSo29iI61DbbbLP3x170xj1OO+2098d28tx3241tzNp+dqWVVnp/bOPpvvv++2+//fb788wzT9vPvP766+67I409eNt+9pZbbnHfaRl7cXt/7AHd9jNjD3r33XZjG6b3995777af3Xfffd13x7Pvzz/YDmPGjHE/Nd7Ym7K2nxt78XPfieNvhj8/tkF13+nc2BuNtt81tnP1/tiOvvtuu7GNx4htxWNsp9H9xHh77rln28/Y/T2209n2/WOOOcZ9ZyS2e7hN1157bfed8cY2SG2/b+utt37/zTffdN9tx+ew+8h+5rEXwLbv81h++eXff+KJJ9xPtHvsscfafpbf36tvfOMbbb9zo402ev+VV15x32337LPPjtg3Yy+27rstYy/sbd/nsckmm7w/tgPqfqKdPRdjxyXbMvyZsR3d98fe5LrvtuMY2Hzzzdt+/vbbb3ffHS/2Pjl3XnvtNfcT7cq8T7ab3edjL3ptbUuIdiL8WR5jO1/uuy1VH3NN2HLLLdve09gbDPedYrFzZJlllknPhZgy5wj7I9xOHNOxNtOz+yDWjtRxPHG+hT8zthPqvvP++++99977++yzT9v3eVx22WXuJ7rHtgh/J9sn63zD1Vdf3fbz55xzjvtOy0svvTTiuNxqq60yr6m33XbbiJ+nrbfsscHrIhdeeGHb/xnbwXbf6Y7dVmNvINx3xuPaGf7M2Jsl95333x97Y9z2vYsuush9Zzx7bMXaMxRdD2nbw+/zt7OMvRFs+9mxHXr3nfGabJvoo4W/iwefL+vB9XzxxRcf8X84tm1/LVTHMcb7Cb/f634o2u+0QeH3/SOrHWbb0g8Jf3bszbT77nhV7/8qt0vV27gTt956a9vvo/9TBn2kgw46qO3/8ohdb7gG+u/TH7Lq6DN98YtfbPsZHj/+8Y8z+zc777xz289ecMEF7jst999/f9v32Wf22PWefPLJEcdP3jWpyDBsH1x11VVtP8Pjuuuuc99tR5/gpJNOGvHzPPKO/zLoV4S/j3vUXhUdw3X1G+r6vU3117y777677XfH7pnB8bzuuuu2/SwxkKz7zn/84x/pPXv481wf7HHNNSL8mfBx1FFHpdcV65BDDmn7ud/85jfuO+O98847bT8TPp566in3U+PZ/XDooYe677TU0f+n/x7+jH+wXe+77z73U+M9/fTTI3722GOPzWz/brzxxhHHIA9iHL2y+4B4VRbavfBneZx44onp8W3xWU4//fQRP591XJZ15513jvidsePG4x48/FnanVBd50Nd/S50ss/Y3uHP3nXXXe4749Vx7bL3LVkxoND222/f9n9iiq4bsZhBr3E1jhHuIcKf22mnnd5/66233E+0u/TSS9t+1j8GIR4zzIZ6RgWjVcNZEUynI7uaNUKBETLhqFEyYeH/n3zyyZNvfOMb7lVLXv1ERl54ZOdYJCzESPIwez/2BE5rI8Ywa4HpRWMvnu4rrRkT1D0swu+lpnhssRbWvAgzwWT+sqYwjm2c2qadMQpi/vnnd686w1Q/RiqEGLUy66yzulftGInL9KsqUGIgxGJVWRg9EY5aGtsAumct7L9witvYRid9n1kLCfE5/IJaHtNBizB6LLYuBlgAiXIGHu+3l1q0HNPh6H+OD/bNhz/8YfeVdnxmO1LEzh6w+J1kqLNKFzDCgt/rxWpw2hHFjOLMmiLNOW9HclBPs4h/nyxwG1PmfXKeh8cQI5oY5eQXubKohWmz70y79Pp1zA0bRr7YxcC8MucI7X24n9gHeQtccT0JZbWboSqOpyy0z4zAswu0MlKIOta9YluE5xDHYXhcWnb6tS3bx+jpcHszcpHRZOH1KDS2U5m2QyFmI1Y1bbxKbKtw5h4jpOyoQK4tIUYTepyz4Xagxr9l29jw/3fCjt4L37fFWgIhRqmFBrFtok5x1oMRT3YEHphdQTvcT1Xuh24xUtSWLfPo/9pZEGNvsNyzljr2f5XbZRC2sceilNTAjz0YrUj/mBmWLMJq2z22K/cynepHn4nRlow4z+rf8DdDdraYveZx7c66Z2NEsp0BwQjPbg3D9qH8Lvd0IV5zLxcz8cQTp6OvbZ9yWNXVb+h3f6Tu/lqnGFFsZyjwebLuOz/2sY+NGKXNiPWy6xQyc43rDdcVy5Z/ilV6YNZ/KNxPsXUqbH+JWSehfvT/wcwb+h6sgWPZayF/g2tAVvvHLFrq3jeN2V2hjTbaKJ0lQttj8Vk233zztlkkYFHz998fuX5aWWHlDTDDwx5HoV122aXt+s91I+zP9PN86LXf1S+9XrsGTa9xNfYt9xAe/RHiEFlrh3F/302/TfINdaLCNhBl6nPuacpvMOU7xIEWyqqFR0PCVD+PA952eJnK7JHIsB1ua9JJJx1RBoaLfR6mNnLRyMLv5KIR4iIaY4P2LOzTLaZLhdg+sUUrQwR4bQmsbtD5CKfI5ZV/suW/WDMgRCMVbhMufkV1g/kdYUKKjmreBZoSQVwg8iywwALuWUss+FKWDYrxmbICDR43SXwmklc8ppxySvedOC5oM8wwg3s1Ep2ZsLRBbFFppixzzvhHUSkEarp3ig5CXt33Mu/TtkOsf1OE88FvSx7/C+pn9uOYGzacIyw6mKfoHHn33XfbjifamzxNHU8xvHfOKQJcHjduXJ/sdOBesPhYiMR2DDdtVwWlEbluTjvttO5Vi52izxTmolrMfBbbFnZSj7afwlJOCPsDCAc5MEU+vGFnO4T7jWty2AYQEAt/H8d/twvrcoMVog9E2a4Y9iH7jTaNB4MnQqOlbaLPRBvQy3W0U1Xuh27QXhTV2Z1vvvncsxZ7w1zH/q9yuzS9jUMERghCxR4MZOCGl6RFuD09EmlZye48/egzsXh6VmANc8wxh3vWQnneUJioB8HgWIkXj4SS30c33HBD5mCFMoZh+4wZM6YtGcN5awdQxdjE27Cqq99Q1++N6Vd/rRN24ATJLXssWqzfRLIlVKZcKcE67muy8L2w9ApBYyuMIdBXD7fb7bff7p6NF+5ffvdiiy3mXrX0o/8PjiviLjG2fFSZc5brZxVxkW6xKLEdAMA1rAifLUwuEYP5c1COpxMsBB32h/m9Ret20AaTLAnvs8NAdL/Ohyr6Xf3S67VrkFQRV7PXDPptWee2R2l/qdZQJyrCxU9oDMiecrOf9yDAusQSS7j/laR14kJc3MIsLMmG2Cgae2G19du4KIaNO6MzEHtP4cNe3ItqYtKwZGU/PRaHDlHPL8Z2wOy6Hp2w77vMCBKy84xGqILt2McSPuyjcLYFo6dssM0GEhn9Fttv9uH3t5e3iGh4PGaZaqqp3LMW3nu3qNMXKnMTRJCM2opsRx52dIMVG01ihZ2Y2M06xwKjN/3DbgMQ8OBiefrpp3e1kGDRjSry3if7OkyCkTi0HeQYZk75bckjPD/6ccwNmyrOEfZ1eDzZTorHYoAE4bsZodjr8RRDvVIWObNJA0ZacWxUiWRQGEjiRvutt95yr8YjaBSybQijCcPrH7+zbC3trbfe2j1rIdE8iOwMynDkDYvrh9sotr5E+DWOA0ZgezbpQae7W/Z90o7Tz+AcYGSiXYeAm2LODR7TTz+9+2rLILZNjErMenDM0daG55xHcogZtMwS6Icq90M3uDYVDUiwAxDse6pj/1e5XZrexr1ixB6jOrNGXxbpR5+JbZWHQEd4vtEWhgjK2POR2e4sckzixgZpmOnr95GtOd+pYdg+dsbIBhtsUDgwCFxj7X3osKmr39DP/ghtTL/6a52wwWaC9WVsttlm7lmL/T0xRQF4YhbhvT4BQntfGiYvV1xxxbYZkLb/ySykcAAms3vtaP9+9P8JjM8yyyzuVTuOizAQWvZekW3V5ChtOwOOBEHeTBSPdtsOou1mjRfY/0ebGGu7Ld5reJ8dJnz6dT5U0e/ql16vXYOkipiBbZPKxESpGlOUIJHODHWiIlzIhRt9RlPNPvvshY9w0Tw6HdxIeZyIdlRpbBGlsOwTDZHtQNspUdwwxd6LfdjMalHDbm8AY5j6xIXeY0S9nb5Kg8N79Ag8FY2Uy2M7c3y2Mooy2mXZklcsnm5x4xoGCu3iebCJLIJLdp/FHnaKJwsEZpl77rnds/4IPxPbKG8EeLeKZs90g4AppWjOOOOMdCQniSXOl6WXXjodxdKNMCnZDUa/harYl/045oZNL6Mos3Bzw/RygvH77rtvOsuFmxkCm4yK6KbERK/HUww3uCzuaZ122mnpDXiVuCmyN2iMYrXCawU3/TZAaINNlIApy55D3eyHfghHiSMc5ceiwqHYbCC7zcL/b2ck9tLx5VgmABriuscCfAS2aKsJGlBehPIJeUnwQWybKHuZ9WCxWc4dbiYpFbrJJpu4/9VCP8Uu7FuXKvdDN2wftRt17P8qt0vT27gbBE8IrFHKgllYWSV+ulF1n4ltWxR0KUIAK/a3uc9ipC7tKtdhgn7nnXderbOeBnH72Hu+TvrSdfST+qmufkM/+yP97K91wpZSmm222dyzfJyv4ewHPn/e5yBAOOOMM7pX2WzZHq7PHr8/TDxwPi6zzDLuVasEYRhAp2xfeC+fVxLIq6P/H8ZZLDv6fJ555nHPinXSBlTNJipsjCqP/YzdjsC38bSscj6d6Nf5UEW/qx+quHYNkipiMWGMmX1edvvYPqj0ZmgTFZSeqGoknB3dZ9c4sDMNCPKHoyfJ7lqd1B7PYzN6IYLMZU8cW8YpLEsFkhfhhb7MKPs8duRd2YtA1miETrFdwlHqXEzshSks+8S2jI1aDWft9CJvKl83U/y7RaY+7IDV1QGq8jNxsWBtGW7C2KcHHHBActFFF6UJx/CY7UaYzOqGvam0pSe60Y9jbtj0kjS1nn/++TQIQQeSOrZM56QcCW1gr9eUXo+nTnD8M+qzanadJlsekWnY4U0k1xY7q8+eF50EUAhshqo6H6pGabvwJiQcsR0mHejgxjrNJOXDDm1Ypzksz8cxVTTSKQ+jta655poRa4iE6M+wdgCzLxdccMG0DM7bb7/tvjveMLdNHIOstWRnA7Iul00416HK/dCNKq7Jdez/KrdL09s4xIht+lp5DxI2lBeg/BElWrst72bV1Weq6jrMPdPZZ5+deb3kOsyIdEp3Efik/IlN3vZikLePvXfMWtcvZtgDJHX1GwahP1JXf60MSt6EfVv6LbH1BbLY/kfeOh1lBxsutdRSbed/WCoznKXOzxAcZxBQGCAO108L16fg50lsZKmz/8+gnSw22N7JvaI9BvvJxnI6iRnYgVtc87ph42Bl40lZ+nk+9DO+04sq77EHQa/bnZKh4TFSJvnq9Xp8SruhTVRUWePYJiroGIaZcQLa4UJKtuxTbDpQVe8vr2HvJLPNTVPYKWCKdShMxtDZpRPRC1suq+yNYNkFq8qwMyTCxAQZ8LAEFlMEY7XnqhoB02sHqCp2vwzyRZRziEW8GGFo1xIJUdqBUeDc1PabXUC3zHTUIqPtmBsktHscL9wwZgUk6Fwz+vbUU091XxkMXJNY6Cx08MEHjxjl3CumdVM2x2N0IMkJz17/7LpOsFOCw1mLRTq5YWhaWL4JvgZvOAuFIFuWcPQ0I4pJdDDKNxwIwbW7123CKDBfC56Rw3kzfzgvOPYZeW77H6OhbaIsR5hgwgMPPOCe1auq/dCUuvZ/ldtlULYx5yx9yrxH1W3dMPSZPIKEDB5iNkNRvXhK4TGAjFHpvdxbDcP2sZ+vk8/LMTXM6uo3NNEf6Vd/rQw7c4zZBJ2YbLLJ3LOWvP9fNlnGsRouVs/gFz/QI+z/UAaPgTBUuwjXBQuTE2HVC+IxWedB3f3/vKSiPeY62Qd2+/dTL+eOXQOm0+POq/o+u5/ngwwnG7MM1xgsYo9X6c3wRAQMm/3j4kJdwU4fdFZj00CZBhgKL4T8P48Ob6xen82+MXrL/u0yj9iiUR4L+5RFw0rH2yOg4jtMBEbC0kjUiu31Bspm3cuOWLSjDnrBSKyw08R6FL7Tb0dO2Vk0ns2MktyI7aeihz2emmLrMFc186cOjLjjESLARN1g9sO9996bjsyk9iSlHMrUJKyanQFURUmT0XbMDYr7779/xCJwjNBiETVKxLC4Gu0PN0CMuC1bw7gfuKGjdjkLuTE1PcSijVUFED2uASHOMS+svcwstNjIMHsMd1K+w14rbFC5G+EielUKyxHg7rvvThdhDNeYCAc9WPZ7tGkcp6G8/98ppszvtttu6THOe+SGnZq7sWAufQTOgXDbjZa2yV4rqmi3OznGet0PTal7/1e5XYZ1G/diGPpMIe5LSOQyoplrL/djjHYOE7ghZkORrOjWMGwfO3qaxWzLqrKkXhPq6jf0uz/S7/5aEbv24rPPPuuelWOTK3Z7hjoZeRwOiAH9J4Rxj7C8dficxAZBcwbfhetZ2N/p9aP/b9caCNlt1slgjSZmoHq2f9/J7FMbz+m2HI+dqdLp8Wv183yQYllJwybZkuh2ZlGeQY6rDaOhTVSQXQ+D0Ezno1PZ6SNr0V9G+4R8TW5mX3Ah82yZDM8mL8jOxf5+0SNvml2nyQR7c+hnUdiV7WMjZDtlawiWHa0WLijaK44RZkp4vAdf/ikcTcWNa9aiVnaEBOU+Yvup6DEotf84ZsIbdTrsdsRElgsuuCCtv8rjuOOOc1+tBx15FjwLcQPLaO4dd9wx7bByjrGPm2RvKsse54zo8NuSR1heZ7Qdc4PC1klnFC03OPvtt196U8L1xI4AGgSMEOPGiaAO789+DoJwvQRvYli4MLw5oDwOuM6GZYnC9jVkO+6dlEuw6xvNP//87ln38koo9sKuU0H5J254Q3nrS9gSBdyg8ztCdS3MxkAHji3WaKBPw8wZOwuRG4irr77avRo9bVOvAzFiuj3GutkPTenn/q9yuwzTNu7WsPSZsnBt436M+vAEeVlXhr5RWO4FXAu7MSzbx5bO6aRdGfYASV39hn72R5ror5URJlho68oGyoldhPc1JF5sqc9u2bW7WKeC0enhehVhHyl8zmdgP9r+Umw9MDTd/7fHYCeBz6pn+3XC3uPa8yGP/YydrMsRsm1i2QGtlHwL77N9IgyDeD5MqKqM+1WFfoA9RspUfCF5ypo5Up2hTVQgXFOAg6hsY87oHTqoPGzH1SMzHgZhuLFhOo9dWDRr5A9BnjCRwlTGMtPD6EyzqJ5/f7ZEUy9IeoQX8QsvvDCdYRAujMrnqWKdCHthYcGqItT5q/Lzws6UYG0OGhJmV3h5ozttkMiuc5GFeuN+H/LIq2HYb7azEFss3mLWDaOD/AW/zP/pBRcuzmlv1VVXTW9g8zoEnXT8qmJvoun4ltnXdJjCDlR4Mzoaj7mm0faGo7Qog8d2D8vhWYNy00/wJryBovNEXd0QATgCO1Xh72288cbuVev6xc0B9d89tl3WqDPKr4TblvfGLLYy7LXCtld2Wn+ZsoJlz6FO8TkpJeBxjIVrTRCUtaO3QswMDZMdDBoIEx30IXpZ94Z2hT6OfzByPAs3XMcff3yy0UYbua+0hKPHRkvbZEs92VGyVR9jVe+HplS9/6vcLqNlG3drWPpMjF72+ygv6cD1g3swu0YgAaVuSisMy/axgUHWzijT/jCyPLyXG0Z19Rvq7I9YTfTXyrDv2w8+KWLXKLPXyl6wJg9lljxmSbBd/HnKPgtLXNMXCuMqrFMRDhwlSRSb1TAI/X/6euHfI2EVrsWRp+y+qkMslmNLSMdQxosYU6jbGRW2D8yAgjIlqJj9Hd5nhzMmB/F8GA1s39mXc8vCsdRkIi6PnX1r930MbVgnM/ak2FAnKmyQhI5vEcoy7Lvvvuk0cB52ka2QnS1x/fXXt3WaWRAub2RYWH+RA5cR6UUYrUp9Xf/+CBBXKVxUm/fEAlbhZ8oaIdspOyOFGQxhMDamm5qQRbjIhjfXTO++55572rLnjKzIQn3MEMcYi+wUOeKII8btQy7stuRSk2y5kqOOOqrwom/r0hfVFO6VPS+LFvCiI9rETRpZd5usPOWUU9yzbPa9ctPsjcZjrmmc72GQghG2edO0QVJzUFH7eN5553WvWr73ve9VWlKAcoUhSraEHTWuFXmLv3J9DHFzXoTp+WFpKdjZbjaRXhRcZHRe2aBEN+yACUYDe3YNi5jw3Od9hjNWwprM3eB4OOGEE8Y9wgR9FnvtDo2GtolBJwQJQnZxxKqPsar3Q1Oq3v9VbpfRso27NSx9JhKxfh9RXilc/yiG2dkklno1LNuHAFp4bafvwjlThOtO2McZVnX1G+r6vWX0o79WhEXjQ8wwIB6Sh8AubXfIziLtVbiGF4H7K664wr1q9Y3s7MfwGuRnx3kkKmIGpf9v4ytHH320e5aNQW1hn7DfOG7DYDzbket4ERLSYcCWQX3dLgpOgiNM8nCc2JiERdUC236HM3IG9XwYdnbWbdEMHOKdg2rttdd2z1pOPPHEEeubhIijHXvsse6VVGWoExXMDgiz6wTcGX2ShYNo//33d69a8socsaB0WP6C6ZphmaSiEkk20EPHKG+UF6OEDjjgAPeqZa211nLPqkGAOWzww1rkfL3XwIjHNEf7+Rmh+9RTT7lX7U4++eTaGqxwxgQXznAbk8TIG7HKSJzwc/D/GRGYVy6JhFQYCKGDnLW4VxPWX3/9ERd9RhtkJSuo38hsilAYXKsD2z2UFyhiVhA3vHYKcL9QNiBEO0FWPQuzUcJgJvsiHJVd1zHHCCGmOYcPSvlMCOyaRnzuvFFBzBwY5A4HZQViJQWqTPYSrA0Tkpxj4SKHWWUPPerBhzg/Dz/88Mybc47P7bbbzr1qYcSzvcG3Nztnnnlm5r5k5Pbee+/tXtVj2WWXdc9GKrO+RFapAlCCqxd2RBDtRNEoYRL5obA85rBfD2mX7QKnbH97van6GKt6PzSl6v1f5XYZLdu4W8PSZ1pwwQXds5YjjzzSPYsjkRHeN7Gf7WctY1i2D4NfbBtFQjCcqWcx4Iz3OxrU1W+o6/eW0Y/+WhHu7cN4CQHn7bffPnN2Etc77m3CQX18dntf3yub/CaB6YVrUnjh1xgAGY7GzhoYMij9f3sM8v6Jffi1My2SqyS0+iErYUx7ZO9xSbCE69ZZ3OOynlCIheS7La3FgGD7HhhwnDf4letKOGuJtUvCgVWDej50oijJ3wQ7AycvrkcSru4y4r3gmAljwPR3OUZiA8j5Guvd5MV4pTtDnajg4k/jF9pll12S7373u2nwNbx54vUWW2zRNiKUDG84GtIikx+OwggPQA5eEhl5yAJz4Ho0hAR+aEC5uDJiB/xLw06GN8w+MiPDlpbpFdssLOkRohPG96vCtOoQn42LA6W3WLSOi/BVV12V/lyZ0S3dWmONNdyzlvCmuSjYBhuE4AaYkXiM5gg7OwQsuFmwQf0mL2QxU0899YgOOBcLzo+HH354XMaYhpdSXJwj4WgUZhDUPd3RJo8YUULHJ7ww8564QWP/xi6GZetY9mrJJZccEWzkHCP5wzHuO6EvvvhiemNkFyqmzbIduDqOOUofnHXWWW2Pfm2jptHRDdtSjh2O9zCQxfWCUiZbb731iBsKVD0VvFckt+x5zLHQSf3lIuEMvBDn/0ILLeRexXEO2xFklFvh+Kf991OCOYZpZ7g2htc/Enh77LGHezUe+zIMSnLjwO8M65zytUsvvTQN9HdSU7cbiy++uHs2UpnAJz8TJo5DdvZbpwgIhwMqOO7pZzDazd6os0giN+f2Bt2OIB206yFJ37wH/Y2DDjoonTlJuxxeyxAb1Vj1MVbHfmhKlfu/yu0ymrZxN4alz2T74+wfrrmUYwsDdgSQCc7btUTyEsN5hqlPyUhO21/hWsrxSnCOQUU8eE4APLxPHXZ19Rvq+r1l9aO/locSZ7vttpt71ULcgUFn/OsDtLSVzBAkSBeu5Qjer08yV4XtyraOsWt4ISvuwn1qVgJzUPr/BMbDUlcg9rHNNtuks3d8zIpjkJklXFfr6r8SBwiRDKXtY8Yb50OIWS92IMDmm2+elikn4UsMy7dHVGjgnAoxINSOTu8U8amwn0zQmGOUmZM+ecD1g/dATMmWFQxjcRjU8yFPJ/usKba8FzOeKH1H/AMcJwxYJg7a6zFRN+IyxGdCxCzpZ1Kdhbab2DIzHikzb8tUSjWGOlEBgqa2k0ZjQkCcKcPUiGYqEq9tI0MHuSgwz41ODKPSyyzIuNNOO42YtkzHks42HSfeH//SsHPAe1zQCGrWIWtNBntD0CuCWQQJQnQQyIQzRZOLFxcUTnyvjgA4F7dvfvOb7lU7Lj5FZp555rZRHiBTzw039TMXXnjhNLPOTa69OHIhqzuo3w06GTa4zvnB+cSxx2eaa665kp133jndZx6dvR//+MdJ3QsOcu7aetjMVGA0HueM3+ac+1kZbEZ68jN5sxuqQochzLyDRAWfgWOE9+HrYofY3ltuuaV7Nd5oPOaaZm8+CFQw4p1tyTHFMceNQVZng+OIbV5nUrVTdKLCUUHgnK2qpADbJ5Ysz0p2W4ceeuiI2Vdsd9p/Sm/4Y9i2M+CcyioRZIOlzPTg7/D7eLBPGf3kf2d4g1O1qaaaKnpDzWcscxNDZzg2EpDARjcjhy0bKOamju3n2yWuA/xLwsUG7bmRs7MLBq1t2muvvXIf9DcYuRrOBvJoj+0IMK/qY6zq/dCUqvd/ldtltGzjbgxLn4nSRptssol71cI1l+QAM7G5N+LBeUlgObwv4lpkAwdlDVOfkusGNdNtm8IxS2J0/vnnTx88L5qRMozq6jfU9XvLqru/VoQAmw3OEvAl/kC7zDlAW8n9sg2QEyiOzXCoQqxyBMd+bD0Qrj82aA72YZ5B6f9zHPH3QvxNYhG8B38MEli3x2CV7P0qJc5o+zhGbLyE9ohqJfb/kMxlRgwxLN8e2RHy7Ee2Wa8xA2bF2H4H24cR7uxDHlw/eA9XBTElUEnFbnMM6vmQpZN91hTeoz3XCOQT/2B70sfifimcYVbn/Vmv2L42ycVgZ2K73LcRWyYRE/YZFH+p1tAnKkDNOLLgMTQ6MYwm5mJQhAtHLAiRt65BiAwomTfbQfZi74/OOCf2dNNN575SLQLQNkhNUIQLTdUYKUHZhDLYznaGTJlkUBmxJAwjG+yU0CxcCLipieFmONah4AK66aabuleDheDa+eefP2J0h8dnsrgAnXfeebUdlxYdutgFjHPGvj86IQSS7HlWZ0cvxDlFTVM6mRbvIfY+eK8kfbKO8dF2zDWN5Fyss8q2tO0wbTAjdewIOrZ5Vom0JjBSjGMoRCcqb7ptJwiiM0PRKjsSZvLJJ0/r2dp1XLzYMcyNPDcaHP9ZGOEV+52xc41rW5maur3g5sgqsz6FFysRRQe4CgT8uBGOtaVsK27AYvuBAQ0EUWKGvW0i0MExljc4o+pjrI790JQq93+V22U0beNuDEufiRlOWeces81ji2vyuVic1QZrOjFMfUrux6ixnnUs2/fBz9nyKMOqrn5DXb+3rLr7a2WQLLGLe3v2HPAIPtc1cBI2eQTWIM0Kbsf2X9Y+9Qal/0/MgVmI9BliYscgZXqrRmwm1rZkIcBMRRKbaPNi75tZLsxGqCq2xHsmOB9731nHLn0OW90jNIjnQ5ZO91lT2KaxAW6x7cmgt0Hve3H+0X8tg/tlO6OI2TvSvVGRqCDQx7oDjECxC2xbjF5mipSdfpzHzkDgAmOnN+XhwkQHm9F7eZk2GiAyz9TOJEESM8MMM7hnvbGJFntiVYmRApRM4OYkdpNBcJdRQew/u1BNLzclIUpo2Iaz0xkkjPpgFIYdDWZxDLLQ0z777OO+ko+kQROYTcQIBTrJeecNxyUN9e9///vSNZyrKCHGaBq2Y7govUXAiYscnUpGUzDTycq7SFRZ6oya/gRJGDWa1QkFHT2Sd5QNKUr61HXM9YNdrK5o8bo8VZwjHMfcINjp9yHaCNqFG264IW0zCFbajmG/jqeymApvkwmMHCxaGK4sO9qN5Oa0007rXhXj5pwSPJyjeaUWOS+4Pl9//fXRG8oQN7DM1uO6kdVx5+t0mAn22MWRq2aDWYh9LUtRLeZeUZ6OMioc+1nby2Nk4tVXX52WGckbBTdsbRNtMqPg+FxM7W/iGKtjP5RV9PfAuVpWlfu/yu3S5DZuWt19pipmeIERuoyopB9UtBgp12TuHVisvqjcYJFh2T4e94vcD3J/m3cvxMwTyn8M8xorVh39BtT1e8uqur/WTT+bwCz3c1wPs9B20j5yXOWN1u6lX+9xH2T3RV7/x/at2D/MtMjD56m6/29L8ZRFTIjSTqecckruvSIDWHgvZUpUd4r3QBUFZkLaGSpZcSbiUlzzWVTY/p8Q7RbHNIMhi/ZLpxjQyuwW2ui8NpFjhLae+/GiAa9Vng9WUR8EZftd3eyzsqq8djHzjO0Zqxbh0b5yHGUNHuhV1XE1+q/s+6xB8bRfHO8Mtn7hhRfcV1uqittOqCZ6P2sVnyHGQknUQGMRYC7+3EAy0opHJzdidaFuPRl83h81CclUM3WOTnG/6t1REoHOmkcigUawH6j9R41gUJYrvNhzooejGEgqVX2hqwJ1Cxn1xT6kniSBOxpejrFOgniDhFq9LG700ksvpaNGOCaZDk1noKqZLd1644030u1N/UlGbnDDySiN2AXutddeSwNRLJzFrKmmjh/O84ceeihtg3gvdPJ4dHvRGo3HXFNIiFJvmrqztEUc63SuZ5ppJvcT4/GzjAri/OCmgnOi6fOhnwjCUkPXI6FsZ+R1gk4c12cenNecy0yv7vb6wzWU38W+5LrK76HNYl81kTgadJSZoP145pln0u1GbW76SPQ/2G7d7IfR3jbVcYzVsR+aUuX+r3K7jKZt3Klh6jPx99lHTz/9dHo9JmjCvQEPrsndLsKaZ9j6lBzL1LHnHKMvwjZi25CcqCJYPOiq7jd4df3eYUHb7T8/sRPabM6DQbzvrsqg9f+Jv/B+OBbpT/A+st7PoCBG4NtsHmwTzhvOH2Yu9QPvgTaRbUdciQA5AXyO4W6D3xPi+VAnrq3+XCO2RPyDbUrJxWEdHMKaLKy5wQwRrr30JcNjnvtl7pvB8cj6bdK9UZmokHw0xFxQPLLDday8z8LMb775ZvqcCy6NUx4ORWa6hLXe/AVQRET6jxkUjOoEHbI//vGPubNKRERERERERIYNgwMozeeRhCuaeUJyK5wlxYxi1kOW7ikCPAGi5EyojrJPjEKgZiS1zHnssMMO7jvZbrrpprYkBSe7khQiIs1gIVOfpAAlC5SkEBERERERkdHmgQceGBfD5HHGGWe472Sza/IyM0p6oyjwBIZyNPvuu6971UoGVFl/06OEVbgOBovSZS2+CIJhrKIf2m233dwzERHpJ8rd2AXEqIUtIiIiIiIiMtpQVjFc2/bUU09N16nIwswJ1n0NbbbZZu6ZdEuln0Y5avKyqBALU1FXjUWIqBnnsZAymcI6/OpXv0q22GIL96qFhfNYnG6BBRZIkxmPPfZYui6CTWKsuuqq6XoVIiLSH5tuumla95UST1wrqMfvbbzxxunCZyIiIiIiIiKj0X777ZecddZZ7lULg7ApiUw5ewb0UXmAhdtZ6DzE/912223dK+mWEhWjHIkKFn+K8avU11VeiUPr6KOP7nj9C4JkLNg611xzua+IiEjd6IAx+81iVMnvfve7rheCFxERERERERl0rOnL4tg33nij+0o5K6ywQnLuuecmU0wxhfuKdEulnyZQrERPAqHONSBY0X/33XdPjj322ORDH/qQ+2q+7bbbLrn11luVpBARGQC03cy8U5JCRERERERERrOpp546+elPf5pWGyiD+2ViqxdffLGSFBXRjIpRjlXrTzzxxOTxxx9PnnvuuWS22WZLFl544WSDDTZIJptsMvdT9Xv77bfTEbk333xz8vTTT6cP3hsJiXnnnTdNnLBWBs9FRKT/LrvssnS9INYymn766ZN55pkn2WijjZIZZ5zR/YSIiIiIiIjI6Pfiiy8mv/71r9OqA2PGjEmeffbZZPLJJ0/jlnPPPXcaz6TMvu6Xq6VEhYiIiIiIiIiIiIiINEaln0REREREREREREREpDFKVIiIiIiIiIiIiIiISGOUqBARERERERERERERkcYoUSEiIiIiIiIiIiIiIo1RokJERERERERERERERBqjRIWIiIiIiIiIiIiIiDRGiQoREREREREREREREWmMEhUiIiIiIiIiIiIiItIYJSpERERERERERERERKQxSlSIiIiIiIiIiIiIiEhjlKgQEREREREREREREZHGKFEhIiIiIiIiIiIiIiKNUaJCREREREREREREREQao0SFiIiIiIiIiIiIiIg0RokKERERERERERERERFpzETvj+WeT1Duvffe5N13302fzzTTTMknPvGJ9Hnd/v3vfycPP/ywe5Ukiy22WDLppJO6V6Pbq6++mjz66KPuVZIsueSSycQTTzi5srvvvjv53//+lz6fe+65k+mnnz59LhOGOs79559/PnnyySfdqyRZfPHFkw984APulYiIiIiIiIiIyHCYYBMVSyyxRPLPf/4zff65z30uOeecc9LndbvqqquSrbbayr1qvea9TAjOPffcZK+99nKvkuTWW29N5pprLvdqdHvuuefSwLS33377Jdtuu617JROCOs79ww8/PDn++OPdqyT5y1/+kkwzzTTulYiIiIiIiIiIyHBQ6aex+pmr8SPqvQkpT6TPPp59LaNf2eP/sssuS7bZZptxj7ffftt9ZyQdRyIiIiIiIiIiMhooUSEiMkCYFXHllVeOe7z33nvuOyIiIiIiIiIiIqOTEhUiIiIiIiIiIiIiItIYJSr67Etf+lLyyCOPjHssuuii7jsyms0888xt+33zzTd335EJhc59ERERERERERGROCUq+mzSSSdNPvzhD497fOADH3DfkdFs4oknbtvvU0wxhfuOTCh07ouIiIiIiIiIiMSN2kTFa6+9lvzxj39M/vSnPyWvvvqq+2o1+N333ntvcvfddyd//etf09f9wt9iNDaf65577klefvll953usG0efvjh9PfxeZ555hn3nf569913kyeeeCLdZ7feemv6nqreb73673//mzz77LPpdqrr2MryzjvvJI8//nj6d9nv//znP3teSPn1119P7r///vTxxhtvuK927j//+U/y5JNPpu/L77u33nrLfbczTW7j0YZziv3yhz/8IbnjjjsqOWaawjHGccVxwb8vvPCC+46IiIiIiIiIiIwGE70/lns+9P785z8np59+enLXXXclf//7391XWz7ykY8kX/nKV5Ltt98+LcOzxBJLpIE7rL766sm5556bPs9y/fXXJxdffPG4ILG15pprJhtvvHGy/PLLJxNNNJH76kgEDXfffXf3KknOOeecZK655nKvWvbbb7/kpptuSp+vs846ya677pousPujH/0o+eUvf5l+PfShD30o2XTTTZPvfe97yQc/+EH31Xx8np/85CfJ73//e/eV8eadd970d331q19NLr/88uTYY49Nvz777LMnF110Ufq8G2effXayzz77uFdJcssttyRTTz11ctxxx6V/59///rf7znjrrrtuul2XXHJJ95W4nXfeOd3v+NSnPpUeB0W22mqr5KGHHkqfr7zyyskhhxySPrfuu+++5IQTTkh+85vfuK+049haY401kl122SWZZZZZ3FfbkWCi9I/Hz37ta19zr1ouu+yydFvAb+tXXnkl3e8XXnhhdPt8+ctfTg466KDMv2sRuD7++OPTJMDf/vY399UW9vtnPvOZZIcddkjmmGMO99U4Fnj+7W9/m24Xtk/MJz/5yeRb3/pW8t3vfrfwuKxiG5dBkHvLLbd0r5L08/ptHsMxe8YZZ7hX48/HLBx3nNMe23rxxRdPn+ed+5xvBOHx/PPPt+3rj3/848kkk0ySPp9uuumSq666Kn2OQw89NDnxxBPdq9ZC3CS1TjrppOSCCy6o5JiJsZ9lscUWS/dfGeG5ip/97GfJxz72MfdqvP/7v/9LTj755DQpTELYonQWxxZtb94MpQceeCDZdttt3askOfroo5NlllnGvYojsbPbbru5V63jYO6553avRERERERERESkaqNiRgW5FgJJX/jCF5JLL710RJIC//rXv5IzzzwzDahdd9117qvFGHVOQG6jjTZKfvWrX0WTFOB76623XhpMzRvtSxCSALF/xGZEkAzx3+d3XX311cmqq64aTVKAYCRBQn7m6aefdl+NY8T6D3/4w/TzxJIUIChIYO+nP/1p8uijj457L7Ht2guClZ/97GfTJFEsoAqC92uvvXaaiCEAmyV8n//4xz/cV/P97ne/G/d/nnvuOffVdiSNSDBkBdDBsXX++eenAemf//zn7qvtmLHg/xYPZg1YdlvzerXVVktOO+20zO1D0Jq/y2cpcuWVVybLLbdcmgDhb1jsd4LbJO5uu+0299WR+CwksQgSZyUpwN8gkL700ksnDz74oPvqSFVt4zII+vttzIPk49tvv+2+OxLJmPDnf/GLX7jvxPH98OdJmnl55/6dd9457ut2X3Ms+O9xTORhdgztwKmnnlrJMZNlgQUWGPeeeHCeZp1DoZdeeind5v7/Uf7KJimY9XHWWWclK620UvqzsSQFOPZIqi288MLpzJssHDvhe33zzTfdd7Ixuyv8P8xOERERERERERGR+oyKRMVOO+3UNlK/CCP0sxIOIcogMdKe4G1ZzOpg1HWZoF0ZjOwNR4DnIaB52GGHuVcjEWD+xje+kY62LmPfffctPUq6G4xMzwqmWtdee22yxRZb5CYrqsZobgKmneBYpDRXr1588cVkk002KXWcgtHflMfJstdeeyXbbLONe5WPfULS7bzzznNfGY9EF0msvMCwRaCYfRcrL9XvbTzVVFMlX/ziF92rFj+TwSI47Wc2eQStx4wZ4161I/EQJm6YuVB2hlNVvvnNb6bbu4yiYyYPa2x8+9vfdq9aSIAU4TwO0RaHOL423HDDNHlVFscr2zqcpSEiIiIiIiIiIsNl6BMVN954YzqLIkQJG0YUM2OAuv7MdqCsDyWSOvGDH/xgRKD4c5/7XDqym4QEJUV4TpAsRDCTkkUE3XoVjiZmNDxlUggSk5RgRDRJkRAjuilvE8OMEkZuh3ifl1xySfp/CLIyu2HFFVd03+0fSvow4p9yL5SVYRYBZXlCzIQ58MAD3at6EaS2paDY1hxLHFPMXKEkzZFHHpmWJQodfPDB7ln3CL76GSwf/ehHk1NOOSVd/4GvUbZpzz33TL/ncZxSHiqGGTm2tBllr5gtwGdhBg9liDhvQvwNe/xz3NsZSQS8OdeYycL74znlfUJ8PSyJhKa2MaWCQjfffLN71o7zO8aeQx7HbSgs9VWE45qkoJ8ZFSL56L8XSx7FcMyQBOr2mClj/fXXd89aysx0sTNSmC0VIilsk0OUEKNMHduX9uGKK65IZ1JYlPajtJmIiIiIiIiIiAyfoU5UkAggmRCi/BOBWZIHn/jEJ9IRzZR72myzzdLAbFiKJQ/BVjtCmBkGlEMikDjDDDOkwVOeE0Sz74NkBQHXqjAinjIolEMhCDnppJMm8803Xzo7gnUAQrFyPJRcOfzww92rFkpAEfxcYYUVkmmnnTaZaaaZ0rI/JF8o69MPJI9IlBDsJjHBiHfK86y11lppAoqSTyGC3Vkj2qtkR+yToGItAI4ljqmJJ544XeuE0d8cJ2ESjEBrFUkqMPqf30cQlvUM2O+sX8GsAtY/CMVmBjCLwc42IiFEYHyhhRZKPwtrFfD5OD+YxRGys2/s3+D3kGTiXKOMD++P55RLs4kJZgeFmtrGNhGQVQqO4H5MVlks1lwJMRurLErGkTTkYduor3/96+O+RxmtIrSBJDEpz9XNMVMW6/yEyS2SWCQSsjDLLNx2JCloRz1mpNAmhfiZa665Jv2XdoH2Yamllkr23nvvNDFik8+0xSIiIiIiIiIiMnyGOlHBmg3hjAMSB4w8z5o5QQC1aNFszwZ3WdNhu+22S4OnFotnb7755un3QwQFq1irnJkUjCD2C+paBCBDsTUaGF0dokSMTQJ4BJxZbNeOsK/DMccckyZKYgiwEri0MzxIFtWNGvUhAr5Zi6QTQLUlbPxsiF5wHLPwLwuOxxC4Jmnl2fcM9ntYCojtaWeqeJNNNlm63z/96U+7ryRpWaZwPQ1mOoQY7Z6FxEP4u2yioqltTFIuTCLQhsSSX+EMiXBGB7O4Yn7961+7Z61kCOWR+s0fM9NMM437Srsyx0wnbGIrax0d2DVIaINCP/7xj9tKwXFskbjKas+XX375EYkJ2veqyu6JiIiIiIiIiEj/DHWiwgY+qZ0/xRRTuFdxs802W+FsAWYf2AVcbSmbmO23374tqMaIcUYZ94rRw1kBXMwxxxzuWctTTz3lno3HqOSQTW5YJGSY5VAnApFlyuPYkjX9SFSEwVwQEM1afBzs++uvvz593HDDDWnQvVff+973kummm869GoljgoWEvccee8w9Gy+c1UOw3Qb7LZJDdn2AMAA/66yzumctJDZYyyULiY5wu4Sa3MbM2AnZWRLM1uDvePvvv7971iqZZJMkbPswIdRJ2acqcV6HsxSsMsdMJ2zpOUpJsRh2TFj2iWORhfRDtuQTs3VImuYhIUQiN5SXLBERERERERERkcE01IkKW2bEjtDNwuyIPHaUMYvGUoKmCCOo7e+uomb6Agss4J7FEXwMEyR2wWnWAqAUlceIemaXFPn85z/vntWDhFHWLJEQpYAWXXRR9ypJR12/8sor7lU9KKtlR3JTgocyRJTgssF59j37iUfZ8mJFwoBylvA9hqPRwX4PE26MQAeB5LxHuK0RHsN2NgbHFV9jYXRKR7366qvuOy0kBv12+djHPua+2tLkNl5ttdXcsxa7TsVDDz3knrW2MQH58L3aJKlNdNjf3y+LLLKIe5Yt75jpFPskbHdJ4rDmicV6I+Fi1yTMwiQEiaHwWCWJxYycMrbeemv3rCVs60REREREREREZDgMdaLCBhPzRp+H7AwEyyYqCKiWNc8887hnLbHZDZ2g5A31+nthA7555XpClAKyo96rVPZ9wO4DAp91IgAbW7ibsj/MriE4TyKBcl8scGwXna5CJ9snxpYAY20K1iooethtHSYqll122RGj6MEi75QBIoFAWSVmAbGuxOuvv+5+YqQmtzGJx3C9h2uvvTZ577333Kv29SkY+U9QnbUfvNtvv909a2FNCI/3XSaxWYc555zTPeufDTbYwD1rsQtmI5yVA0pQhWwbxfopZc0999zuWUsVZddERERERERERKS/hjZR8dprr7WNBu4kQDf55JPnBuBtOZROfrcNLvcaNMuqNd8JmyzJKw1jFSV1emHLCOWxM0Dyyg1VhQDs2WefPWLUv0epH4KylKZiYWHK/WQtwNyNrL9bVq/rD3h2XQrWEthjjz3cq5EYGc9C2ltttVWa9GDmTFaSocltzALNHm3Jgw8+6F61FtP3/Boq4VoqlCny688wgylckNuWleqnrPVM6sR+Cds9FrlmNk/osssuc89aa+7Y89nOPOukrBfJtdCjjz7qnomIiIiIiIiIyLAY2kSFXaSa0iGdYLZAFls6iXI4Zdma6uEo7aa8+eab7llLbEHwLC+//LJ7Vr28dTcsu7/tPqoL5a8IYJ9xxhltI+pj7rvvvuSrX/1qctppp1WyiHqvqnoPNtnGMc76GcxoOuyww0aUg7JYRHmllVYaUR7Ja2obr7766u5Zy6233pr+S1sSzphYZpll0n/DGRgkUHxC05Y6KluyaLTgPA7X/SHpE5bSImEWrtWz/vrru2fj9dLmdtKeiYiIiIiIiIjIYBraCA9lY8JR2C+88IJ7VoxAZN5MB1tLf8yYMe5ZMVtux5YlaYKduVB2NgLBQruoeJU6KeVjZ4VQEqsXBLnL1ucnqcVIfhbxZv8SeKdkkQ10e9///vfTQHrTZpxxRvesZb311kvLMXX6sGWOPEqtsdYAJaVYL+aSSy5Jdtlll2jigm3N34+tX4AmtjHn+ac//Wn3Khm32Pdf/vKXcccGbcy8886bPmcWQDgTy69T4RMcoPRVmfVfRhtbDiws/3T11Ve7Z63t+cUvftG9Go+1TEKdtA22fa5ijZg33njDPRMRERERERERkX4Y6qGoYUkmRjjn1cMPFSUebCmRThZntWWj7JoVTbCfx77HLDbpUrVOfr9NLPUaDH7uuefcs84wm4AFiylrdO6556aJnGOOOSb5yEc+4n6i5aSTTnLPmmPXSXj77bfTMj2dPsqUPptqqqnS0ki77bZbmrj405/+lD632GZF+rmNw/JPd955Z1pSLlz0eZVVVmlb8J31Nzw/Q+T6669P/8WXv/xl92zCMu2006aJKI9EhW+Pw7JPLJYeW3PHJio6Kd9k2+f555/fPeueLXcmIiIiIiIiIiL1GupEhV0PIraIa0zRz9l1GVgouEwS5D//+U9y4YUXulfvxBoXAAAzqUlEQVQtgzCjwi4yThmWhx9+2L3KxtoBdbrooovcs3wsnB2uGcCobLt2RxhMLjMauigQyhoLlDXikRcQ5718+9vfTn75y1+6r7SQOHv11Vfdq2Yw+j+ceUIAvkwpMmYc/eAHP0hnNPC4+OKL06+z7oDfJjzCkfIWf5vZFaeccor7Sssjjzzing3GNralpkhWhMca6ymEWFjbYwFtEl5hWaOi0lWjmS3p9Nvf/jadnRLOygqTGSE7Q47/Q7KrDNrnkE0OTzrppO5ZCwm7IuF6JSIiIiIiIiIiUr+hTlSEo6Fx9NFHJ2+99ZZ7FUdJlxNOOMG9iqPUS1g+hP9z+umnu1fZCLyGJUsYAW5nMzRlk002cc9afvKTn7hncQRg6y5fRCAyHI2exb5X1juwwuQSI6zz1rCg7NOxxx7rXsX94Q9/SI8THj/84Q8L1+pghkdYRmhQhCP8OTYvuOAC9yrbLbfckm5zjnke/pwi4EtpJr9djjvuuPTrebJKN2EQtjGJxDDheeONN7atrxCuS4HwNe3Cqaee6l61ypFVUXZoWFHyK9yWzKT41a9+5V612tVFF13UvRqJhdVDhxxyiHuW7f777x+ReF5sscXcs5ZZZpnFPWuhTFkeSnmVTZKIiIiIiIiIiEg1hjpRwaK14YhxRlizyG/WiHq+vtNOO42rP5+FxWF33HFH96qFJMivf/1r92okApzUzQ8dfPDBIxbXbkq42C0uvfTS5OSTT3av2lGS6Zvf/KZ7Va8999yzbZS9dc011yRnnXWWe9XCSH3LloI6//zz3bORCL6H5X1iFlxwQfes5cgjj3TP4giyhyPrCdgySrxpdgQ7wd/wfVrMUDjggAPcq5a11lrLPUuSxRdf3D1rzY6gzFMeuybFkksu6Z4NzjYO11cg2Rhbn8Kzs1TCJFq4napU54L2VaLd3GyzzdyrJLnpppvSkl0e65nkCf8vmN1y+OGHpzN8Ylike7vttnOvWjbaaKMR+8wmi88888zMGXIkaPfee2/3Kh8zjGjz99tvv3GPMMklIiIiIiIiIiLlDXWigiTADjvs4F61XHXVVcmaa66Z1o+n3jz4l9d8nUV6y2BhX1taavPNN09L4jAilxI6LDZNLfOjjjoq2XDDDd1PtVAyxs74aNJcc82VfOUrX3GvWghab7PNNuk2efLJJ5O77747HSHOKPg6F9EOMcp/tdVWSwPELJjNbAe2K++HwLUNXjLqOjZq3dalJ2hIQoJyXCCoSGB90003HZFQilljjTXcsxbe39Zbb5088MAD6Xv0CKISnKT2fmjZZZd1z5rFjIFtt93WvWrNAqA8EduWdT98KSj+Jdn2ta99ra3mPzMywrUh7DHE8UPpJrtAO3+HZJhNkLHmhTco2zirXBPH5cQTj2wiV111VfesXVVln6aeemr3rIXtS5kpZqDce++97quDyS6qHSpqD1ncnBJfoeOPPz5tW/nc/lwmmUA5MrZ3eKySWNpjjz3cq/FYEyNsy0lo8zspS+XxNY5XSnuVXZOIpB6zzkik+kdeElBERERERERERLJN9H4YERxCvH2C0pSkiSHIShAqD4H52CK/rI1AYDYs5xQiMBabncHXqacfW9SVEegEdz1+LhxlDpIk9913X/qcUjfXXntt+jwPo4j9eyEhEytV9eabb6YjjsMa/EX4vT5pwUhygqXdYs2LffbZx72K83XqY9uVfXndddeNWCQaBLMJXMZmZzAKPrYPw/0X22a816x1OvyoervIN3if7DP+rsffD4P0/O7tt9/evWo59NBDkxNPPNG9StJAql2LwyJRFy5W/Oyzz7pn4zF6nCB/VhA1a/vwGZlFFK5xwnbOSmSxPWeaaaY0MRg751ZcccXkvPPOa1szoMpt3C3aEM5Buw1I5tgEJNgmJC1DvB+C6eFaKVaZcx8///nP05lfMWzjcNvXdcz0gtloBP1DJCmKys2BZATJLZJmMeE5a1FCbN1113Wv2lGCaosttnCvxstqb+zfueGGG0YkSDnGF154YfeqJXZei4iIiIiIiIhIsaGeUQHKjVBiya7B4MUCpozaLhPgpGQIAb2w1EsoFjBbeeWV0xrnsSRF06accsp01DoB4zIYzRwG5/KCsN1gBDIB3hDbNGu7EryMJSnA7BrWOYiJBeEJai6zzDLuVdxBBx00YhS/R/A8FkAnwMmC6lUE0KvCCH2C33ZhaC+2fdgvLFJsF2JnOzOaPTarhf3GaPTYOcfPM/rcLmw8CNuYNoSZJJZdn8KLfZ2ZJ1WdHyTcfAB9GNm1JlC2lNzkk0+eJgyz1jaJtQ20z8yky0pSgORv7HfG2hvW0YglekVEREREREREpD5Dn6gA5VkIUpNUCBcPtpgdQLCUGvy2vEoW1j5gcWFGLdtSUCECsYxuZm2ErGB6N6pe52CqqaZKLrroonQ0d1YpFsqvkBQggMysEi9csLoKlCVihgQjkLMCs2zz/fffP92uNqlhkXhgxgdJjSwEmSl1RVCTxE0eguo/+tGP0pr2LBSch/dG0J1FeBdaaCH31d5MNtlk7lnvGGVPcN8mnyz2AyXBWB/ArvvhcXwTGOacK0oWMCOIoC+zH2Ij/Zvexp4t28R24PiMmWGGGUZsQ1vGqhdsJ45R1hexbQ5/O0+Vx0y3llpqqbbzmf1GSaWyKNXEDLfLL78891wmQbHlllumC/KHs5ViSEYx645ZMlltDV9n/RtmvtgFuMuifRURERERERERkc4NfemnGEaIUwLl+eefT9c7IFBGwI91GnrB76IWP8F7HiRI5ptvvmSeeeZJRwIPI9ZuYDuxYO/000+flu7xC4DzeZkZ4kccs75D1qyFXr311lvJgw8+mJahYdFzkkr87aygYpEXX3wxXeeCB+Vk+Fz8zl6SLZQ08vt/zJgxaRJp1llnTR/hdhsGbBfOE7b3O++8k84eYo2A2WabbcSshzw0H8yg8NuF44htwTYhiVGUXLJG0zaeULHvSFZ4u+66a/ro1gsvvJCuX8ODtoH2lna3qMRVFo53fheLcXMO8Hs4VplJMQiJHhERERERERGRCdGoTFTISCz8yiLgHkG5oqAvsx023nhj9ypJF6FmBLOISJZjjz02Ofroo92rJF0TJ2t2joiIiIiIiIiICEZF6ScpRtkfSj35xx133OG+k+24445zz1oYxSwikoWZUeHi6JRuUpJCRERERERERESKKFExgVhttdXcs5b99tsvLfsT8/bbbye77757ct9997mvJGkN+E7qzIvIhIf1TcLF1LfYYgv3TEREREREREREJJtKP01AVlhhheRvf/ube9VaPHb99ddPVl999XTxWNZ1ePjhh9OFqx955BH3Uy0snly0YK2ITFhOPvnktETcAgsskNx7771tyU3WBbrlllvStXxERERERERERETyKFExAXn88ceT9dZbL11AthM77LBDsvfee7tXIiItxxxzTPqI+cUvfpEsvfTS7pWIiIiIiIiIiEg2DXWdgMw111zJNddck86sKIMR0VdeeaWSFCLSkQMPPFBJChERERERERERKU0zKiZQzK64+uqr0xJPzLB4/vnnk4985CPJPPPMk8w999xpUmOVVVZJJptsMvc/RETa3XXXXWk7QnsyySSTpMnNddddN1looYXcT4iIiIiIiIiIiBRTokJERERERERERERERBqj0k8iIiIiIiIiIiIiItIYJSpERERERERERERERKQxSlSIiIiIiIiIiIiIiEhjlKgQEREREREREREREZHGKFEhIiIiIiIiIiIiIiKNUaJCREREREREREREREQao0SFiIiIiIiIiIiIiIg0RokKERERERERERERERFpjBIVIiIiIiIiIiIiIiLSGCUqRERERERERERERESkMUpUiIiIiIiIiIiIiIhIY5SoEBERERERERERERGRxihRISIiIiIiIiIiIiIijVGiQkREREREREREREREGqNEhYiIiIiIiIiIiIiINEaJChERERERERERERERaYwSFSIiIiIiIiIiIiIi0hglKkREREREREREREREpDFKVIiIiIiIiIiIiIiISGOUqBARERERERERERERkcYoUSEiIiIiIiIiIiIiIo1RokJERERERERERERERBqjRIWIiIiIiIiIiIiIiDRGiQoREREREREREREREWmMEhUiIiIiIiIiIiIiItIYJSpERERERERERERERKQxSlSIiIiIiIiIiIiIiEhjlKgQEREREREREREREZHGKFEhIiIiIiIiIiIiIiKNUaJCREREREREREREREQao0SFiIiIiIiIiIiIiIg0RokKERERERERERERERFpjBIVIiIiIiIiIiIiIiLSGCUqRERERERERERERESkMUpUiIiIiIiIiIiIiIhIY5SoEBERERERERERERGRxihRISIiIiIiIiIiIiIijVGiQkREREREREREREREGqNEhYiIiIiIiIiIiIiINEaJChERERERERERERERaYwSFSIiIiIiIiIiIiIi0hglKkREREREREREREREpDFKVIiIiIiIiIiIiIiISGOUqBARERERERERERERkcYoUSEiIiIiIiIiIiIiIo1RokJERERERERERERERBqjRIWIiIiIiIiIiIiIiDRGiQoREREREREREREREWmMEhUiIiIiIiIiIiIiItIYJSpERERERERERERERKQxSlSIiIiIiIiIiIiIiEhjlKgQEREREREREREREZHGTPT+WO750HnqqaeSDTfc0L3KN/nkkycf+chHktlmmy35whe+kKy44orJZJNN5r4r/fDf//43+eUvf5n84Q9/SP72t78lL7/8cjLllFMmc889d/KjH/3I/ZQMiosvvjg5+eST3auWzTffPPnOd77jXsmw2GWXXZI//elP6fM111wz2WOPPdLnMrrQxrKf/+///i/561//mr7+6Ec/mnzyk59MFlhggWTOOed0P9m5448/PvnLX/6S/r7999/ffbX/nnnmmeThhx9O38s///nPZOqpp04+/elPJwsttFAyxxxzJBNPXG78xXvvvZc88cQT6e956KGH0usR/YNPfepTyfzzz5/MPvvs7ieLvfrqq8kDDzyQbvMnn3wymWiiidL3wzafd955O+pr8NkeeeSR9He98soryQwzzJDMNddc6XVy4YUXTn+3iIiIiIiIyGg01ImKxx9/PFl55ZXdq8586EMfStZZZ51khx12SAMv/UKQnqBIiM9AEGI0+/vf/55stNFGaYLCYvv/8Y9/dK9kUJA8OuaYY9yrFgLcnDMyXNZaa63k/vvvT59/+ctfHpGAkuFHcHvXXXdN/vznP7uvjMS+J8nQ6TWPgDnJADTVXr/99ttpsuSEE05wXxmJ93bYYYclq622mvtK3L/+9a9k2223Ta/HWUjIHnjggekghzyXX355su+++yb//ve/3VdGOuCAA5JNN900+cAHPuC+MtJLL72UHHTQQenvy8I++MEPfpAsueSS7isiIiIiIiIio8cEW/qJoMJ5552XfOlLX0oeffRR99X6MUqdYET4sImL0YZRvdttt100SSEiIr353e9+l3z+85/PTVLgqquuSr7+9a8nzz33nPtKOT/+8Y/ds2a8+OKL6UzIvCQFmGGxySabpNf2LA8++GB63c9LUoDfse6662ZuK8Z4bLPNNslOO+2Um6QAyYUdd9wx+d///ue+0m7MmDHJ8ssvn5ukAPuXARZ33HGH+4qIiIiIiIjI6DHBr1HByMqvfvWruvGv0W233TZuNHfMBz/4QfdMREQ68eabbyZ77rmne9Wy9dZbJ+eee25y5ZVXJscee2xa+sn7xz/+kQbOy6CkET97xhlnuK8044c//GFbonvxxRdPjjrqqOQXv/hF8pOf/CRZY4013Hda9tlnn+g156233kpnSpDQ8Jh9cdxxxyU///nP0xkU88wzj/tOkv4OZqnEXHrppcnVV1/tXiVpaUlmTvB72PZbbLGF+04LSaKzzjrLvWrHNg6THXyeU045Jf0/p59++ogZIiRI3n33XfdKREREREREZHQYtaWffGCG0fwEZopQCuruu+9OpppqKveVenzve99LLrvsMveq5cQTT0y+8pWvuFejz6mnnpoccsgh7lUL+4dAE0GhSSaZJJlmmmncd2RQULudWvehpZZaKpl55pndKxkWKv00ejHb4eijj3avWqWIPvOZz7hXLVwHKb136623uq8kafkmWwLqhRdeSH/m+eefT9dIIOhu9bv0EzMf1ltvPfcqSb7xjW8khx9++Ih1H3ivrMXixY7zc845J9lvv/3cqySdffH9738/vQZ5r7/+evr18DOSEAnLLVGmiRkQPrnAuhbMwLBtI+W4mOnikczg90466aTuK0k6SILP5JFkIRFh2VJ8JDI4r0VERERERERGi1E5o4LgxM0335w+br/99nRxS4IBP/3pT9tGloYIOFxwwQXulVSJBUstZrEQ9J5uuumUpBhQLChLsC98KEkhMlhuvPFG9yxJR/HbJAVYG4FZCSGbhATJLEoZ8bOxJEUTfvOb37hnrQEFzD6ILU5NsJ9STR6zEWyppV/96lfu2fj1HsIkBVicm7UwQtddd5171kJ/IpwBQeIk1jaSwAiTC8zgtKUemXHo8fNbbrmle9Vu++23TxMdHkkQERERERERkdFkVM6oIFFBUDXmnXfeSQMHsRHFBEH+9Kc/JVNOOaX7Srv//Oc/ybXXXpsGGp599tnkmWeeSb8+xRRTpAH3hRdeOFluueXGLTrqUeP6zjvvTJ/zt+1aDYx0XXrppdPn0047bbLiiiumz62nn346ue+++9K/T61qylgQuJhvvvmSb33rW8mss87qfrI6JHkeeOCBNCjCg9GmBGRY/HveeedN64aHo0M9tg8zVBD7zJTfWGaZZdLnc8wxR7Loooumz7vR7Xa56aabktdee829aiEAZsuIgGASo2hDLLLK5weflc8cWnXVVdNjg//L+7vnnnvSBWEXXHDBZIkllkgfnSxqS231hx9+OP33scceS3/XbLPNlgYmv/a1r6XHbxaOW45fj/flR/oycvqiiy5KZ1DwMwQqOQZJMNma9+xzEhhZejlGs7Yhn4tj76677koDhJxPHIMkHXmfJLzKIEjIe+N3sR35PZzr7AOOxdVXXz358Ic/7H46HyVx2J/sCx6MRCfh9vGPfzzdF4sssoj7yZEY3R6rac/nzFtstxedzKiglBDBYfY/+5NzhIDv9NNPnx5rtHF8zhhmr7GNQXv4iU98Inn55ZfTEjn33ntvut04x+aaa670OOJcy/rMjKRnu2KFFVZI/34W3if7A7y3rO3/3nvvpec9+5//wznNMU9wmve77LLLpu33RBNN5P7HeOH5MOecc45r5zkXGXHP9zknd95553HJWdrGL37xi+nzPMxiYDsh7/1bHEu8F++3v/1tGuyO4VJPW+sxC+Ob3/yme9Vy/fXXp4s+5+n3jAqSD/7vUYaJWYlZ+Pzf/e533atWm+ITCJxz4bY54ogjkvXXX9+9Gol20K8Zwcy/MCEUzm6g/bGzJEMcY+H+tDMhuP6zxgiYebjxxhunz2P4bHxGsF14HyIiIiIiIiKjxQSXqADBKoJHsRGJlNEg0BgiGERwgd8bCzBalI2gfINfe4Ea2nY0axZqb1NXPMTfP+mkk9rKe8QQuNh7770rGfVOgJltwd/NQ9Bqt912S/92ODL1/PPPT99LGSQtDj30UPeqvF63y2GHHRYN2NpSXAR4YyU2dthhh2SPPfZIn8dKehFQIhh2ww03uK+MxIjeosAgga599923rR66RZB78803T4NrscDvYostlgbqPZIHBPE4LqmBHiIAR6kVW2oEfF4+t1XFMRrbhgRwL7nkktxFdDfYYINk//33zy3bRsCRbVh0/h555JHJt7/9bfcqjiA+JWbyfhfBS0rMsN0tRrKTgLGoX/+5z33OvapWmUQFyQjKtDGavGg7MbqboLE91jie/fFEabcZZpghXUQ46/cRwOU4I/FpkUjzbfSZZ57ZVkLH4jzjvAWB31h7y6h4AsFFi/qzDzgOwtHrYMbdXnvtlT6nNA/rQvB5w3UHaA+Z1cDXPRIjJGayvPHGG23JP7YbSb0ySJKsssoq7lUr6Zi15s8rr7zSlkRn3QmfaPVoI2LXRRKPfpv2O1FBcsEfPxxbsUSyR7IqbLtJEvukGgnFMGlE4iFcj8KypaRIPvnjnf3v22PaXda2yMJ5FSb2WA+DBc298PNdeOGFyWc/+9n0eUx4TnCcsSaGiIiIiIiIyGgxQS6mTUCdwGYMyY8QeRyCAQSuioJ33tlnn50GU6pY7PKpp55KyyQVBYBBkJcAsx3536lHH300ff9FSQqwKCkBS7ZRP3NeVWwXglCx0ccEIxltD0ZbE2i1CPgxcjoPCa+8JAXYbiS1CPTHEKhnIdW8JAU4Ngn48p5IxJVx0EEHjUhSdKPOY5Rtk5ekAAFkEokxbBeCiiRwypy/JGIIyMa2Ick7kimUZin6XQRy11577XGzC8poenFczncShmW2E0kBSunl4djfbLPNcn8fyRO2Z9bx78VmOGSZeOKRlzVmZ/BeipIUIKHhE5B5SHzFFkdeZ5113LMWShDl8aPpvTXXXNM9K8YMJRJnPJg1lZWkgF0Q2878A8kZAuX2UXaGR9X8cUEilkfWTB6PtigUzuCy32O2Tx57bRgzZox71pqZ6d9TVjlJL1y4G+GsFpAQ8fswXAfDuuWWW9qSSAxqEBERERERERlNJshEBQi+EGSwKHUUoiQOi2TGEMiIBXtAQMyXPuoWIzEJsPqR0GXwdzfccMO0BEk3CAwxYr5MQC907rnntgWqOwksdqqq7ULpJmaNWARW/WwQvh/bFow6j5W8CpUJ+ILjK1YPnrI3BHHDmRBFrrjiinRx2CL8zqJAcxl1H6Ph4r952E+x7cTXi5I8VtYMKBImdsZHEWZn2OTnIGL/kYz1GGnOtiPZQMktguA2eJ9XPgrXXHONe5ak5xPbjlHstBVhu8kMEzuLrEokmEhSeLT7JMAIDJNQIlFw7LHHpjMFPJIVvnxTDGsdhGsa8TspG0VykmA/iTuPczsviRt+dtZZoAxVWZQuW2ihhdLHAgss4L7ajtJdzNII2zpG49dRKrBqzGAgOO8fscRyiMWyPRIIYRvNAuEe+6io/bazvsL2hRk+/j0xIzAPM8JCYaku+P3HI5Zo4prMMbTVVlu5r7SSTHkzS0RERERERESG0QSbqIANGMAGp8LFNz2SHNRbp7TPr3/96zRYERvd6EfKEpQlIMYjFlw4+OCDx32fAIhHkoQgYYiAGAkByokwwpIR0DbhQh31olG8WQhe83ksyqlQh53PRMArVjKD4D1130Htc/+ZYmW4mEngv08JlU5UuV0IfMVm1xCo3H333aOj+fndsVI1WSiNxXHCsZQ1k4dyIHZUOeVjbLKD98uMHUaI8x5jC6/yfZtwK8NurzL6dYwya4fR64zkzwpWsn5FiAA4SQeLskyMLuf85dyLJRuZaRKul8H6HbFjgSQNQXz2B+/Pjq5m/5WZmdQ09pPHiG/OdYLurEkyyyyzpEFwEpgcpx6B26JkHL/r9ttvT7bddtt0u9NuUKqIUlzhtmJtoLpwrIXvk8Axs2wIDJOc4FwmQWADynnnEGtxgOOa8misecH/96WhwvJh/CzXixiSCGFCx64Z0S3aabY5Jb9YEydcHJp2LasdGmY/+9nP2toiSjKFSFh5rClVxCaMukn+U26KJJjHtXDGGWd0r7JxHd1uu+3S2We0T2GpOfoQHGtZa7uIiIiIiIiIDKsJOlERK/0QJioITNx8883u1XgEJ8P65QSrwprTnh9JzfcJiPGI1dEnaOK/738vi1YTRLUYHU4wi5rnJFoYzUldeYtSOJ2WYuJvhrXVPUZDM8KcshQE9QhgXnrppdFkhS+FQhCl7Gcuu4Ax6tguLFAaW5CZILxFkJXEU1kEyjleCDaxWC+JhYsvvth9dzzKg/zyl790r1qlg5gdEWJ7E9ynFNTss8+e1rUn4BhbM6KT2RIkFZj9Q4Lq73//+4g1WrL06xhlxDkll1g7gPrzBLlt4gO2xEpsVgT7mfVTqM1PwoP1ZMJR2CGSD15slgrBX5JQBPHZH7w/Aoj2vTEa2pcSG1R+sX8QZM86J1nUOsTC23loT2ypG7CYO9ve63QGVyfCJAhJ5lhiClwPwvda9NnArAyCyXYGGYuzh78ra8YIi1d7/DyLlVeBgD1thZ3pxN9gXac6Z7w1gcRiOOOH6yjJp1CYaGAmShEWfQ+FiY4ySJzahdRjbXUM5wPXA9ogmwzkc3H+iIiIiIiIiIw2E3SiYtppp3XP4gi2Mwo+fDAyfumll3Y/0UK9ahbtrBJBYxugoHxJbFHWFVdccUQNcUaTM5qzE/wfi4APgXxr+umnT4O0FqNa61THdmHNkrAsShYC0AT1ywb5+NuxevPLLbdcuqi0FQaLw+ceI6EpV2WFJUE8EkaUZSrC8UxSwZc5ob5/2ZG6/ThGl19++RGzldgPscWGwxkQrDERWx+EpJstr8II56233tq9Go+FicH5zayAELMB7FoEYDtuvPHG7tV4Yfkp/i8zp0hihY9FF13U/UT/kYhhIV8eeaP6w+RNEYLiJNWyhIF8m2SqEklk/9liiViPxLKfKVEGszKy1jngPAqPAxJYsXU4wmQki8LH1teoEp+PNokEY5n2YdCxQDhJzHC/0j4wq8wG8zmPvfB5Frt9Yvsvhp8jCWsTJZRWKypdVQbX4/XXXz9NFIuIiIiIiIiMJhN0osKXKQqFgQQCtoyCDx8f+9jHkgceeCANPBJcpCQDiQsCvlViQWuL0bsEpWOPWB18Rsd34rHHHnPPxqPWeiw4jtVXX909G4/AtQ1eV6mu7cKI+LCsTQzJjJlmmsm9KhZLRnixWQvhbB5KyVgcb7HPmLXwL2tc5GHfZo0uL6MfxyiJipgwyO29+uqr7lk88M3/yVqsloWRWWw3fPh1SmKj/fla7DPyiJW0CssIkRj7/Oc/nwaMw0eTawYwU8ovnOxL07CQPIkkErQs1E5yKLawfBZm/ORhO/QDn8d/Nl+yjUQWxyPJLEbjUyaJmQad2HTTTd2zuPAcp0206628+OKLbQtpl53JVAbXJZISfEZKsFFqL5zpc9ppp41YXHvYULqNGW7hujHM0OPaHFv8O0xclEnGvvHGG+5ZS9Z1MESbSLtKubsQieOwHFgRktlcD2g3mJlB4iNs80gYlp2dISIiIiIiIjIsJuhEBXXnrdhocEqAEChYaaWV0sAuQUVG01JahrIunSx2XFZsnQiCryREYo9YciCWiMkTCzznBU8pjRELGHf6dztR53Zh5DWBrxhqvRNc7sRss83mno0UG4kdzmghGWbdc8890c/II+aZZ55xz+L4TL3oxzHKzJ2YonJhseTCfPPN5551JjbTCLHPyCM2Kr/TpGFT2KfU1CfJRlCf0jXMNmEdBjurpMjHP/5x92ww0E6TlGBEOutTkJig/BSj8TtZL8Vj7Y48zEZbe+213av22RNgjRmPmSdFv68TBOKZ+UUbzTWNxbNJioTJChKznZYzGgSs68EsCvZjeO1l/QcSpbFrOMKZVDYJEWNnLOSVWyLxRSKZ5H1Ybov+AmvYUBauE+w/HiTzuI7QVpNwYsF2jyRb7DohIiIiIiIiMqwm2EQFAY7YqGsb5KDW9xJLLJGOkKyzjrpVRU37Tn9HLOFi63RbsYBxnSUp6twu1DDPCihT577TzzXppJO6ZyOFAUOP7e/XbOikBE2W559/3j2LY/RxL/pxjMa2E4rKb8WSNEWl3rIUbccy6kjeEWRm1gyPcDZJN0giMQqfZBwBbNZIsUhK5pWFGmQnn3xysthii6VJCUbi26SZTypkHW8W5bvKlICjRI/H2irh3w0TF7FSZlUjEXLUUUe5V619HkvWDzLW0iEZEM6iYN9R6ol9PMMMM7ivjhSuS1HmnLbtvS0Z59GPoGyXXROHWSysM8EaNlXgemJLFHZSik1ERERERERk0E2wiQpGDceEI91ffvnlZKONNoqOBGdhYxYJptY3iy6fdNJJ7jvViM1kIFBIQKTswy7kWSQWuGb0ap6wXJFX50jqOrcLAdqsZBTBqIMOOsi9Kidv1O5LL73kno3H9vfBTwKhFqNyY58n9uDYtGs7WFmzFcpq4hgtK/bZuk04ZI10j32erAcj2qtGu8M+5sEMgTJ197Pst99+6ewwj2ORWWPMQGDkNrNKmFERW1R8EFCmKgvb6bDDDnOvWkggUM6KGTCUt7r33nvTNjxrNL5FCcAyGAEfzjrz66aQoPMzVEiOrLrqqunzTrEmEAFyHrfccov7ajZKCoXqnP1WNY5P1oUJBxhsvvnmaUmtvLVQvLC94ppelHi2pfNi7QDHDvsunG1EiTFec84XlZj6/e9/P27/nXvuue6r2Tgv6Xt4wzJTS0RERERERKSMCTJRwULF5513nns1HgGjcKFsAj82ScHPsDDqjTfemM6yoHQIdfT9SPiqhMEtb7311ksOP/zw0o+lllrK/c9yYn8zVt7HYwZAbPt0so5Dp+raLsycYURunosvvjgt41HWQw895J6NFBvJPO+887pn8RJkW265ZfTzxB4cm0X7oeyi4FmaOEbLipXdYlZM1oK4tAm8l/BxwgknpN+LBaUJQMc+T9ajk/r0ZdnR/7Hkl5eXxGBtmnCEOrMmCP7us88+yRprrJEel77szaAuwBxbXwe0y0cccYR71VqDiBJqfI3yVpTmCWeFlf18ZRe95udIdnt+O19zzTXpv9hwww0LZ65lod3yi7GH+zCLPWaqvm7V5frrr09n/Hi0PVdeeWVy4IEHjvhMWWx7VTSbxJY6Y+ZGiFlvJITDayDJ7gsuuCDaNsYw88vvP5tMyzLddNO5ZyIiIiIiIiKjywSVqCCgQOkL1iKI2XXXXduCAAS0LAKOYZ1oL7ZQcFmx0cCxhWhZ1DYr0EpJjN13333cY88990wXa+1EGCj3qN3+7LPPulftzj//fPdsvNgiplWqY7twXFDzvAx+rmiRao9yJFk14GPbLpxFESsXQsmaLIw2Dj9n2aBXL5o4RsuKrQHCfg7XBQixAC8jtcOHH4Ed+12UXAlHdof4THy28LPy2b1XXnklTZTax5gxY9xPlGOTMXkzRlgc3JtqqqncsxbbzjFLLGvh4L/+9a/uWf3C4H3e6HdKthGwj2Ex4rCkHaWf/GLhFsmcP//5z+5VdcJFslkngvaDILuXdT0qI5y9xjHJWgl5bHC+qrJEdWLWwKbBwuWf+cxn0vO1aMaYZWf62USEFSaTSFyGiV3aOJIU/tgiicH6GOzLThLAYRKU9ik8T2P4u2FZNmZSiYiIiIiIiIwWozJRwcLXLLTpH8x6INDAaNrjjz/e/VQ7RkCGI18RG11L4MuiPjwlUrrFIpk2uLvccsuNGJXJ7Abev/1ZgofbbrttWuLEPwiIFS04bLEWB9vIIjhPGawQJUxYYNeqq5SPV8d2YfZBbE0IgscWwSSC0GVGIvsECIHUEHXGY0GycLHuWM16jjHev0VAjdHG4eesYv2IIk0co2UxyppAosUsAbs4NjOnSCpZLJ6PaaaZJvq79t577xGl0WgLdtppp+TCCy9s+6xhApRANe/DPmKJ0Tyzzz67e9ZCGZkYtj3HomcTkjZZlFWLn/bw1FNPda/qN+ecc7pnrdkwWc4888y2zxey7ZZN0oTKlN7pBokRFnr2mLnlEyskdrtd5B1hooHEGaWgspDEoK0LxZJwVaENePfdd8c9up29ESZ1aW/YT93MKqAMU7gfzjnnnMy1XTiXwjKAdjFsrtnh97lWdJM0YMH6UFGC2ZaYXHDBBd0zERERERERkeE3KhMVjIpl9Ll/EFTPGv3sUULClt+wgUAwIpvAIyUbqO/NaxZhjQXKYqPpCXpazFqgBAmLvfrRt5NMMkmy/fbbp89DlJb40pe+lNa0JqhBcJv63Pbz7bDDDoX1sS1Ggsb+JiN1qcNNgP7oo49OEz88LIJu1OOvU9XbhYBTLCGx//77JyuvvHJb2RiPfZ4XEAxRA5/3se+++6bvba211kq3oUUibYUVVnCvWsfeV7/6VfdqPJJpPPgdBLf5f7H1D1hfoG5NHKOdiB2jjIDmfCVpwhoFbLvYMUtgMiz1Eo7o9mhXSGawb1nzhuQSwcqbb77Z/UQLwdGyax90wq4pQwLMJtxol+y6EnYmzMwzz+yetcRKCJH42m233dpGmaOXdTGKhEF0gtN33HGHe9VC4P2nP/1pWloriy1/Rlkem0SjnSYBY9egqfKzhaW/zjjjDPesVfapF6usskpbspDkWThbw+O4Z8ZgmCAl+Vbn+bfzzjuns8T8IyuRlod9EyYqOin1FEO5L49t8o1vfGNEou7RRx9NBziE1lxzTfesJUxq0YZ0O7OBNiZcoJ6+ALM+7SxLjkXKQ4XXDtaqGIYZMSIiIiIiIiJlTfT+sBSpjqDcEsHkXhAoIMC34ooruq+Mx8jrbhc5BckHAtUhAhwENrNQzsIHmgjEMVL+8ssvT1+XRWkMRnT7uvKd4HDg/cWC90VICsVmZFD6huROiGB2tyVPqtoujKbl+AlLw4CEyxVXXJEG8dgeBLKp2W/xNR9MZeZEmRrxWS699NK29VHAaHACa3YGQBHWsiDREiIJZj8ngd/YWg4egXw7a2aPPfZIEwxelcdobBueeOKJyVe+8hX3arxf/OIXyY477uhetRB0tIvkUxIrrG1fBgkAAvJ2QW4CpgSCO0FQlZIwYdA9q10hWE6CpxME6g844AD3qoWFotmvzNygRE6439nubBOSTB4JV1vOjm2w+uqrJ1NPPXW6/kNW2TGfhOJvgtJKfnYZAVz73kIkCf1MFQLZNsHDTBB+d4hEHzNCKEdHCZzY4vckqChfBY5P2vYwgcM+IcDP36Ss0G233Tbi3ABtGWt0cLxPOumkaZJjr732Sr/H/+9kBgbvg21sk3WsYxNLXneCa8xWW23lXrVw7VlyySXTGUtcJ5m9FCbTCXJTpi1r9oxFspr1Z8CxEZYfysL+DxNbbC+2Wyf4O2Fygb/dyZoUsZlSJBTDhA2/jyQxxwOLqvNZQyR9SQp7JA1s4jFc4DoP1xSurWFykFmazEQM9w+fk+OWhDXHLseoPXbYp3ZGhoiIiIiIiMgwmyAX0/YIQjEqOpakAMEHArNlEOSwmNlByYvQOuusM2JRziwEEwkUdxK8JMhOSYtukhRgVgVBvnCUZxE+O4HqWJKiDlVtF4KosQAlSRQ/0pjtceSRR6bPLUr82NHZobDMSJ6zzjprRJIClDdh5kbs2MpC4He//fZzr+rXxDHaCZIXecFyi3OTUkI2SQFGv9sEUB4CoCRU6iyvw/625x0JIEZlE6S1xzfHcpikAMFQmzwlKEpAlTJFYZKCQH0404fv1VUOioTE5ptv7l61kHghGUXi0ycpCOpmJZD4rMyKCoPbBIQZuU6CmoSk30acr+H+pYwZbUFWeaBO8D7srByOzV6TFODcs7O0uPaQxCLZyGcNg+AcL6eddlrpJEWTmN0Q4rgk0VfmwQL5MZzfYdvMtiGhwrFukxTMCmEmYSiWHIv9/diDY8ouek/7cMkll7Qdo3zOiy++OG1bSSyGSQp+jmuGkhQiIiIiIiIy2gx1oqLTQCdBSIKklH3h5p+Rv7GAZIjRtAT+wiCCRTkKEh6xBIRdvJQRygSOCPbl/U6PgDmBQALWeYuHEqyj1A6fi7/RC4JqBL4Isi6//PLuqyPx/hkFf+2116Yjtfup1+1CECs2C4CRs3Z0LIFcW9sdrCnA783yhS98IZ0dwzEXwza7/vrrR9Q/DzHylmOL/cFnycI2IHh1yCGHpMkVa8opp3TPehM756o6Rnt9j1ntASO7WYeCxGQeZv4wcpnR6FmYrcJMgFhZrhBtDD8XW3A8a6HqbrDtCbYXzRphVDoLemcFN7feeut0v2QlUdmvzHbZbrvt2haHhk18VInEAcmVrLaSz0WyZJZZZnFfGYnR8pRry2qjSARyfhOoZr9mbYPw+OomyE/JsVAnyeAi/C5fhjAL5x/tCDMwhiXIHVs7qFesU8JaD7T1do0dj2QO7SnnlT2+mYFUNdocZuhxfmXhHKDUHrNM8q4ZIiIiIiIiIsNqqEs/9RM1oynRwGhKaloT4CDANeussyYTT9xdvofFaRkp+eabb6a/g+Atj7wgGKN/Cd7wXlikmb9PmRcWnvWzAKr2+uuvp3+PMimMLuZzE+hikdhB0cR2CRWVLaLGP+VGqLlOEIxHp8FOyseMGTMm3Q98Vj4Xn5FHVsCtCU3vizycc0899VQ6Uvv5559P3xcjmklGUd6nE4zE9p+TNoGkEp+V31cmCVk13gPlkmijOE5Yn4Ft7tupMjjGKKvEZ+Jc5zznYfcbn53AKp+ZBX2rTL7EMDONbc2D9oi2h3No2mmndT9RDuWw+Gy0u+xzFrK2C2wzS4qR9VwaSTJWteA7CUe/bgrnK9uv22tHHkoTcYyzrd544430b3384x+vbeH6PGxLgvAcLyRSYom7prEgPu0B5wznC4nquo/nPL6dZ/9xvJKEY/9xPseS0CIiIiIiIiKjhRIVIhXoZH0FEZnwbLbZZmmwHpSqYtbNaMcC2n7myBNPPNF4olJEREREREREBtcEvUaFiIhI3R588MFxSQr4halHMxZ79kkKZpIoSSEiIiIiIiIieZSoEBERqRilnh577LF0fZRw7YFvfetbmetgjCZ+DSDKZ/VzgX8RERERERERGU5KVIiIiFSIdSKYRbDKKqskG2ywQbpuiJe3YPJowlotRxxxRJqwaHLNBxEREREREREZDkpUiFQgtiiuFj4VkdCxxx6bBvAnBLvuumuy/vrrJ5NNNpn7ioiIiIiIiIhINi2mLSIiUqH//ve/yaGHHpqWfnr77beTOeecMw3aUwZJRERERERERERGUqJCREREREREREREREQao9JPIiIiIiIiIiIiIiLSGCUqRERERERERERERESkMUpUiIiIiIiIiIiIiIhIY5SoEBERERERERERERGRxihRISIiIiIiIiIiIiIijVGiQkREREREREREREREGqNEhYiIiIiIiIiIiIiINEaJChERERERERERERERaYwSFSIiIiIiIiIiIiIi0hglKkREREREREREREREpDFKVIiIiIiIiIiIiIiISGOUqBARERERERERERERkcYoUSEiIiIiIiIiIiIiIo1RokJERERERERERERERBqjRIWIiIiIiIiIiIiIiDRGiQoREREREREREREREWmMEhUiIiIiIiIiIiIiItIYJSpERERERERERERERKQxSlSIiIiIiIiIiIiIiEhjlKgQEREREREREREREZHGKFEhIiIiIiIiIiIiIiKNUaJCREREREREREREREQao0SFiIiIiIiIiIiIiIg0RokKERERERERERERERFpjBIVIiIiIiIiIiIiIiLSGCUqRERERERERERERESkMUpUiIiIiIiIiIiIiIhIY5SoEBERERERERERERGRxihRISIiIiIiIiIiIiIijVGiQkREREREREREREREGpIk/w+X8E6TE2PaWgAAAABJRU5ErkJggg==" unselectable="on" /> </p> <p lang="EN-US" paraeid="{80c39b0e-a7bb-4206-adf0-cf824905644c}{22}" paraid="2136813244" xml:lang="EN-US"><em>Source: Trustpilot </em></p> <h2 aria-level="2" lang="EN-US" paraeid="{80c39b0e-a7bb-4206-adf0-cf824905644c}{31}" paraid="107458144" role="heading" xml:lang="EN-US">Wise Business Plan Net 30 Account Requirements </h2> <p lang="EN-US" paraeid="{80c39b0e-a7bb-4206-adf0-cf824905644c}{40}" paraid="835646462" xml:lang="EN-US">Another thing we like about this vendor is how transparent they are with their net 30 account terms.  </p> <p lang="EN-US" paraeid="{80c39b0e-a7bb-4206-adf0-cf824905644c}{54}" paraid="1760298164" xml:lang="EN-US">Here’s what’s required to be eligible: </p> <ul role="list"> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="28" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{80c39b0e-a7bb-4206-adf0-cf824905644c}{68}" paraid="688474099" xml:lang="EN-US">You must have a US-based business with a legal business name </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="29" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{80c39b0e-a7bb-4206-adf0-cf824905644c}{82}" paraid="313230630" xml:lang="EN-US">You must have an EIN </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="30" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{80c39b0e-a7bb-4206-adf0-cf824905644c}{100}" paraid="1337485159" xml:lang="EN-US">You must have filed as an entity with the Secretary of State </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="31" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{80c39b0e-a7bb-4206-adf0-cf824905644c}{118}" paraid="1925616791" xml:lang="EN-US">You must not have any major business delinquencies, such as judgments, collections, or liens </p> </li> </ul> <p lang="EN-US" paraeid="{80c39b0e-a7bb-4206-adf0-cf824905644c}{144}" paraid="4458707" xml:lang="EN-US">Also, note that this vendor requires a minimum purchase of $164 to be eligible for a net 30 account.  </p> <p lang="EN-US" paraeid="{80c39b0e-a7bb-4206-adf0-cf824905644c}{158}" paraid="1210834346" xml:lang="EN-US">You can learn more and <a href="https://wisebusinessplans.com/wise-net-30-account/" rel="noreferrer noopener" target="_blank">apply for an account here</a>.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{80c39b0e-a7bb-4206-adf0-cf824905644c}{167}" paraid="1846196566" role="heading" xml:lang="EN-US">Build Business Credit Instantly with eCredable </h2> <p lang="EN-US" paraeid="{80c39b0e-a7bb-4206-adf0-cf824905644c}{176}" paraid="1480198774" xml:lang="EN-US">Vendor trade credit from companies like Wise Business Plans is the go-to strategy for many businesses attempting to raise their credit score. And it makes sense.  </p> <p lang="EN-US" paraeid="{80c39b0e-a7bb-4206-adf0-cf824905644c}{190}" paraid="1987818196" xml:lang="EN-US">As long as you make your payments on time, this is an effective way to build business credit while at the same time boosting cash flow.  </p> <p lang="EN-US" paraeid="{80c39b0e-a7bb-4206-adf0-cf824905644c}{204}" paraid="208497595" xml:lang="EN-US">Just like making consumer credit card and loan payments on time helps raise your personal credit score, it’s the same concept when building business credit.   </p> <p lang="EN-US" paraeid="{80c39b0e-a7bb-4206-adf0-cf824905644c}{218}" paraid="1614861898" xml:lang="EN-US">However, the downside is that it still takes time, and you typically need to have at least five vendor tradelines just to get the ball rolling.  </p> <p lang="EN-US" paraeid="{80c39b0e-a7bb-4206-adf0-cf824905644c}{232}" paraid="2089722207" xml:lang="EN-US">One way to expedite business credit-building is to use a tool like eCredable that treats your business bills as vendor tradelines. Power, internet, water, waste, and TV services, for example, can be reported to credit bureaus to build business credit quickly and efficiently.  </p> <p lang="EN-US" paraeid="{80c39b0e-a7bb-4206-adf0-cf824905644c}{246}" paraid="907678362" xml:lang="EN-US">Beyond that, eCredable can also report other things like business rent/lease, supplier payments, business insurance, accounting, technology services, and more.  </p> <p lang="EN-US" paraeid="{94f8617e-ad59-44fb-aaaa-588306bbe082}{5}" paraid="1842630413" xml:lang="EN-US">And because eCredable attempts to download up to the last 24 months of your business bills upon signing up, you can get a huge credit bump right off the bat for a low monthly cost.  </p> <p lang="EN-US" paraeid="{94f8617e-ad59-44fb-aaaa-588306bbe082}{19}" paraid="1645339238" xml:lang="EN-US">Most businesses see an average of a 32-point increase, which is ideal for small business owners looking for something palpable without having to wait.  </p> <p lang="EN-US" paraeid="{94f8617e-ad59-44fb-aaaa-588306bbe082}{33}" paraid="804043937" xml:lang="EN-US">You can learn more about <a href="https://business.ecredable.com/" rel="noreferrer noopener" target="_blank">how eCredable works here</a>.  </p> <p lang="EN-US" paraeid="{94f8617e-ad59-44fb-aaaa-588306bbe082}{102}" paraid="609404713" xml:lang="EN-US"> </p> <grammarly-desktop-integration data-grammarly-shadow-root="true"></grammarly-desktop-integration></body> </html> 765Wayfair Net 30 Reviewhttps://business.ecredable.com/resources/blog/postid/764/wayfair-net-30Business Credit,Business Credit Vendors,Business TradelinesWed, 31 Jan 2024 19:15:00 GMT<html> <head> <title></title> </head> <body data-gr-ext-installed="" data-new-gr-c-s-check-loaded="14.1152.0"> <h1 lang="EN-US" paraeid="{9878b245-9776-4eaa-9d51-1d2204292275}{72}" paraid="542357917" xml:lang="EN-US">Wayfair Net 30 Review </h1> <p lang="EN-US" paraeid="{9878b245-9776-4eaa-9d51-1d2204292275}{113}" paraid="1034599743" xml:lang="EN-US">Although it's known as a home goods brand, Wayfair offers numerous products like furniture, appliances, and lighting that can also be used by businesses.  </p> <p lang="EN-US" paraeid="{9878b245-9776-4eaa-9d51-1d2204292275}{127}" paraid="785711868" xml:lang="EN-US">If you’re looking to decorate and equip your business with these types of products while also building business credit, you may be interested in a Wayfair net 30 account.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{9878b245-9776-4eaa-9d51-1d2204292275}{136}" paraid="109957160" role="heading" xml:lang="EN-US">Our Wayfair Net 30 Review </h2> <p lang="EN-US" paraeid="{9878b245-9776-4eaa-9d51-1d2204292275}{145}" paraid="1381969226" xml:lang="EN-US">With a staggeringly large product catalog, LTM net revenue of <a href="https://www.aboutwayfair.com/" rel="noreferrer noopener" target="_blank">$12 billion</a>, and reporting to two of the three major credit bureaus, Wayfair is an appealing vendor to many business owners.  </p> <p lang="EN-US" paraeid="{9878b245-9776-4eaa-9d51-1d2204292275}{159}" paraid="1493541732" xml:lang="EN-US">The only downside is that they lack some of the transparency of other vendors. </p> <h2 aria-level="2" lang="EN-US" paraeid="{9878b245-9776-4eaa-9d51-1d2204292275}{168}" paraid="1870486091" role="heading" xml:lang="EN-US">3 Reasons to Get a Wayfair Net 30 Account: </h2> <p lang="EN-US" paraeid="{9878b245-9776-4eaa-9d51-1d2204292275}{177}" paraid="1349568968" xml:lang="EN-US">      - <a href="#Wayfair Reports to D&B and Experian Business ">Wayfair Reports to D&B and Experian Business </a></p> <p lang="EN-US" paraeid="{9878b245-9776-4eaa-9d51-1d2204292275}{198}" paraid="1562712383" xml:lang="EN-US">      - <a href="#Wayfair Offers Over 40 Million Products ">Wayfair Offers Over 40 Million Products </a></p> <p lang="EN-US" paraeid="{9878b245-9776-4eaa-9d51-1d2204292275}{216}" paraid="2071742465" xml:lang="EN-US">      - <a href="#Frequent Sales ">Frequent Sales </a></p> <h2 aria-level="2" lang="EN-US" paraeid="{9878b245-9776-4eaa-9d51-1d2204292275}{234}" paraid="159697539" role="heading" xml:lang="EN-US"><a id="Wayfair Reports to D&B and Experian Business " name="Wayfair Reports to D&B and Experian Business ">Wayfair Reports to D&B and Experian Business </a></h2> <p lang="EN-US" paraeid="{9878b245-9776-4eaa-9d51-1d2204292275}{246}" paraid="383890272" xml:lang="EN-US">One of the first things business owners want to know when considering buying from a net 30 vendor is which credit bureaus they report to.  </p> <p lang="EN-US" paraeid="{c0d7ba47-7733-4d85-8bf0-669d718db6f6}{5}" paraid="1417622219" xml:lang="EN-US">When it comes to Wayfair, it’s Dun & Bradstreet and Experian Business — two of the three major credit bureaus. That’s something that should pique the interest of many business owners because it’s more than what many other vendors offer.  </p> <p lang="EN-US" paraeid="{c0d7ba47-7733-4d85-8bf0-669d718db6f6}{19}" paraid="2062830280" xml:lang="EN-US">By making your payments on time, this reporting should increase your business credit score, which can help open the door for future financing opportunities like low-interest business loans and the best credit card terms.  </p> <p lang="EN-US" paraeid="{c0d7ba47-7733-4d85-8bf0-669d718db6f6}{33}" paraid="1586233630" xml:lang="EN-US">Something to note is that Wayfair offers what’s called a Professional Account, which technically has 60-day terms for B2B customers in the United States. However, for non-US customers that pass a credit check, Wayfair offers net 30 terms. </p> <p lang="EN-US" paraeid="{c0d7ba47-7733-4d85-8bf0-669d718db6f6}{47}" paraid="556064594" xml:lang="EN-US">So for the sake of simplicity, we just counted it as a net 30 account.  </p> <p lang="EN-US" paraeid="{c0d7ba47-7733-4d85-8bf0-669d718db6f6}{61}" paraid="641704571" xml:lang="EN-US">If you’re looking for true <a href="https://business.ecredable.com/resources/blog/net-30-accounts" rel="noreferrer noopener" target="_blank">net 30 accounts</a>, here are some worth considering: </p> <ul role="list"> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="4" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{c0d7ba47-7733-4d85-8bf0-669d718db6f6}{75}" paraid="1850751026" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/crown-office-supplies-net-30" rel="noreferrer noopener" target="_blank">Crown Office Supplies Net 30</a> </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="5" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{c0d7ba47-7733-4d85-8bf0-669d718db6f6}{89}" paraid="1399199743" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/uline-net-30" rel="noreferrer noopener" target="_blank">Uline Net 30</a> </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="6" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{c0d7ba47-7733-4d85-8bf0-669d718db6f6}{107}" paraid="179674639" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/grainger-net-30" rel="noreferrer noopener" target="_blank">Grainger Net 30</a> </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="7" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{c0d7ba47-7733-4d85-8bf0-669d718db6f6}{125}" paraid="511313212" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/quill-net-30" rel="noreferrer noopener" target="_blank">Quill Net 30</a> </p> </li> </ul> <h2 aria-level="2" lang="EN-US" paraeid="{c0d7ba47-7733-4d85-8bf0-669d718db6f6}{143}" paraid="1222548268" role="heading" xml:lang="EN-US"><a id="Wayfair Offers Over 40 Million Products " name="Wayfair Offers Over 40 Million Products ">Wayfair Offers Over 40 Million Products </a></h2> <p lang="EN-US" paraeid="{c0d7ba47-7733-4d85-8bf0-669d718db6f6}{155}" paraid="842799608" xml:lang="EN-US">Created in 2002 by founder Steve Conine of Cornell University, Wayfair Inc (formerly known as CSN Stores) has grown to be one of the world’s largest home goods commerce marketplaces.  </p> <p lang="EN-US" paraeid="{c0d7ba47-7733-4d85-8bf0-669d718db6f6}{169}" paraid="205057340" xml:lang="EN-US">They’ve even been referred to as “the Amazon of home goods” and have seen impressive revenue growth and interest from Wall Street and countless investors.  </p> <p lang="EN-US" paraeid="{c0d7ba47-7733-4d85-8bf0-669d718db6f6}{183}" paraid="833455558" xml:lang="EN-US">They currently offer: </p> <ul role="list"> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="8" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{c0d7ba47-7733-4d85-8bf0-669d718db6f6}{197}" paraid="1659396324" xml:lang="EN-US">Offered <a href="https://www.aboutwayfair.com/" rel="noreferrer noopener" target="_blank">over 40 million products</a> from over 20,000 suppliers </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="9" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{c0d7ba47-7733-4d85-8bf0-669d718db6f6}{211}" paraid="2028639369" xml:lang="EN-US">Had a huge employee base with over 14,000 employees across North America and Europe </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="10" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{c0d7ba47-7733-4d85-8bf0-669d718db6f6}{229}" paraid="1881504716" xml:lang="EN-US">Served over 22 million active customers — many of which are repeat customers </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="11" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{c0d7ba47-7733-4d85-8bf0-669d718db6f6}{247}" paraid="1849665508" xml:lang="EN-US">Had a market capitalization of <a href="https://companiesmarketcap.com/wayfair/marketcap/#google_vignette" rel="noreferrer noopener" target="_blank">$8.4 billion</a>  </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="12" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{ec40d424-c376-4b7b-a3ec-fd224d13dd70}{10}" paraid="1106368504" xml:lang="EN-US">Had over a <a href="https://www.yipitdata.com/resources/blog/wayfair2q22" rel="noreferrer noopener" target="_blank">14% market share</a> in home goods in 2023 (despite a 1% net loss) </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="13" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{ec40d424-c376-4b7b-a3ec-fd224d13dd70}{28}" paraid="1373013518" xml:lang="EN-US">Earned $3.2 billion in total net revenue in the second quarter of 2023 alone </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="14" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{ec40d424-c376-4b7b-a3ec-fd224d13dd70}{46}" paraid="699009686" xml:lang="EN-US">Had <a href="https://companiesmarketcap.com/wayfair/shares-outstanding/#:~:text=Number%20of%20shares%20outstanding%20as,company%20had%20116%2C000%2C000%20shares%20outstanding." rel="noreferrer noopener" target="_blank">$116 million outstanding shares</a> in December 2023 </p> </li> </ul> <p lang="EN-US" paraeid="{ec40d424-c376-4b7b-a3ec-fd224d13dd70}{72}" paraid="1799253283" xml:lang="EN-US">When it comes to selection and company profitability/overall financials, Wayfair is hard to beat.  </p> <p lang="EN-US" paraeid="{ec40d424-c376-4b7b-a3ec-fd224d13dd70}{86}" paraid="1934715307" xml:lang="EN-US">From furniture to rugs to lighting to appliances and more, you can find virtually anything you need from a single supplier.  </p> <p lang="EN-US" paraeid="{ec40d424-c376-4b7b-a3ec-fd224d13dd70}{100}" paraid="723465658" xml:lang="EN-US">Although many items they sell won’t apply specifically to business owners, such as bath towels and wine fridges, for instance, they still have an extensive catalog that does. Office furniture and overhead lighting are just a couple of examples.  </p> <p lang="EN-US" paraeid="{ec40d424-c376-4b7b-a3ec-fd224d13dd70}{114}" paraid="1978352019" xml:lang="EN-US">Also, this company is known for having quality customer service with customers having access to a Wayfair employee throughout most of the day.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{ec40d424-c376-4b7b-a3ec-fd224d13dd70}{123}" paraid="2145963466" role="heading" xml:lang="EN-US"><a id="Frequent Sales " name="Frequent Sales ">Frequent Sales </a></h2> <p lang="EN-US" paraeid="{ec40d424-c376-4b7b-a3ec-fd224d13dd70}{132}" paraid="1880064937" xml:lang="EN-US">A quick look at Wayfair’s website and you’ll see how much they have deals baked into their business model. To quantify, they have products up to 40%, 50%, and even 60% off.  </p> <p lang="EN-US" paraeid="{ec40d424-c376-4b7b-a3ec-fd224d13dd70}{146}" paraid="1746083524" xml:lang="EN-US">They also offer:  </p> <ul role="list"> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="15" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{ec40d424-c376-4b7b-a3ec-fd224d13dd70}{160}" paraid="1201096755" xml:lang="EN-US">Clearance sales </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="16" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{ec40d424-c376-4b7b-a3ec-fd224d13dd70}{174}" paraid="1429160330" xml:lang="EN-US">An annual Way Day sale </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="17" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{ec40d424-c376-4b7b-a3ec-fd224d13dd70}{192}" paraid="1154543194" xml:lang="EN-US">Black Friday deals </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="18" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{ec40d424-c376-4b7b-a3ec-fd224d13dd70}{210}" paraid="1670171022" xml:lang="EN-US">Promo codes </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="19" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{ec40d424-c376-4b7b-a3ec-fd224d13dd70}{228}" paraid="352878107" xml:lang="EN-US">Rewards </p> </li> </ul> <p lang="EN-US" paraeid="{ec40d424-c376-4b7b-a3ec-fd224d13dd70}{246}" paraid="493586914" xml:lang="EN-US">Besides that, there are coupon offerings for even more deals, which are perfect for business owners who want to cash in on big savings. Further, Wayfair offers fast and free shipping on orders over $35, with many items offering 1-2 day delivery.  </p> <p lang="EN-US" paraeid="{7abd1025-c404-4333-9488-e6ebb6b66661}{13}" paraid="594486009" xml:lang="EN-US">The bottom line is that if you want access to a huge inventory line of Wayfair stock with many coming at a low cost, this company is an excellent choice as a vendor.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{7abd1025-c404-4333-9488-e6ebb6b66661}{22}" paraid="1685354077" role="heading" xml:lang="EN-US">Wayfair Net 30 Account Requirements </h2> <p lang="EN-US" paraeid="{7abd1025-c404-4333-9488-e6ebb6b66661}{31}" paraid="609598012" xml:lang="EN-US">Applying for a Wayfair Professional account is pretty straightforward and requires three main steps.  </p> <ol role="list" start="1"> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="1" data-font="Arial" data-leveltext="%1." data-list-defn-props="{"> <p lang="EN-US" paraeid="{7abd1025-c404-4333-9488-e6ebb6b66661}{45}" paraid="366172519" xml:lang="EN-US">Choose your industry </p> </li> </ol> <ol role="list" start="2"> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="2" data-font="Arial" data-leveltext="%1." data-list-defn-props="{"> <p lang="EN-US" paraeid="{7abd1025-c404-4333-9488-e6ebb6b66661}{66}" paraid="235751835" xml:lang="EN-US">Submit your contact info </p> </li> </ol> <ol role="list" start="3"> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="3" data-font="Arial" data-leveltext="%1." data-list-defn-props="{"> <p lang="EN-US" paraeid="{7abd1025-c404-4333-9488-e6ebb6b66661}{85}" paraid="744683992" xml:lang="EN-US">Verify your business </p> </li> </ol> <p lang="EN-US" paraeid="{7abd1025-c404-4333-9488-e6ebb6b66661}{113}" paraid="873865842" xml:lang="EN-US">In terms of specific information Wayfair needs on the application, they ask for your: </p> <ul role="list"> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="20" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{7abd1025-c404-4333-9488-e6ebb6b66661}{127}" paraid="866789889" xml:lang="EN-US">Personal information </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="21" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{7abd1025-c404-4333-9488-e6ebb6b66661}{141}" paraid="1232726671" xml:lang="EN-US">Business name </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="22" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{7abd1025-c404-4333-9488-e6ebb6b66661}{159}" paraid="662863628" xml:lang="EN-US">Address </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="23" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{7abd1025-c404-4333-9488-e6ebb6b66661}{177}" paraid="1079253453" xml:lang="EN-US">Tax ID </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="24" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{7abd1025-c404-4333-9488-e6ebb6b66661}{195}" paraid="1708443594" xml:lang="EN-US">EIN </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="25" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{7abd1025-c404-4333-9488-e6ebb6b66661}{213}" paraid="1903046111" xml:lang="EN-US">Business start date </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="26" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{7abd1025-c404-4333-9488-e6ebb6b66661}{231}" paraid="1331412617" xml:lang="EN-US">Annual sales </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="27" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{7abd1025-c404-4333-9488-e6ebb6b66661}{249}" paraid="70469380" xml:lang="EN-US">Net income </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="28" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{212f0398-9bdd-4d31-a342-7cf4573d85ac}{12}" paraid="2074808398" xml:lang="EN-US">Gross profit </p> </li> </ul> <p lang="EN-US" paraeid="{212f0398-9bdd-4d31-a342-7cf4573d85ac}{38}" paraid="147905026" xml:lang="EN-US">Note that Wayfair delivers to several countries outside the US, including the United Kingdom, Germany, and Canada. But to open a financing account, you must have a US-based physical billing address.  </p> <p lang="EN-US" paraeid="{212f0398-9bdd-4d31-a342-7cf4573d85ac}{52}" paraid="1262600379" xml:lang="EN-US">Also, note that applying for both a Wayfair credit card and 60/30 day financing is done through a Wayfair Professional account.  </p> <p lang="EN-US" paraeid="{212f0398-9bdd-4d31-a342-7cf4573d85ac}{66}" paraid="2006046348" xml:lang="EN-US">As for the minimum purchase amount for this retailer, they don’t officially state what it is. However, the average for most net 30 vendors is around $50. </p> <p lang="EN-US" paraeid="{212f0398-9bdd-4d31-a342-7cf4573d85ac}{80}" paraid="1057023927" xml:lang="EN-US">And as we mentioned earlier, spending anything over $35 will ensure you receive free shipping. </p> <p lang="EN-US" paraeid="{212f0398-9bdd-4d31-a342-7cf4573d85ac}{94}" paraid="1892564392" xml:lang="EN-US">You can apply for a <a href="https://www.wayfair.com/v/business_account/application/pico?account_method=56" rel="noreferrer noopener" target="_blank">Wayfair Professional account here</a>.  </p> <p lang="EN-US" paraeid="{212f0398-9bdd-4d31-a342-7cf4573d85ac}{108}" paraid="465449617" xml:lang="EN-US">If you’re interested in reading their privacy statement, you can <a href="https://www.wayfair.com/v/business_account/application/pico?account_method=56" rel="noreferrer noopener" target="_blank">find it here</a>.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{212f0398-9bdd-4d31-a342-7cf4573d85ac}{117}" paraid="1207899839" role="heading" xml:lang="EN-US">Build Business Credit Even Faster with eCredable </h2> <p lang="EN-US" paraeid="{212f0398-9bdd-4d31-a342-7cf4573d85ac}{126}" paraid="177711051" xml:lang="EN-US">Net 30 accounts are one of the main ways business owners raise their credit scores while also increasing cash flow. And there’s no denying that this strategy is effective. However, it’s not without its pitfalls, as doing so typically requires you to have 5-10 vendor tradelines. </p> <p lang="EN-US" paraeid="{212f0398-9bdd-4d31-a342-7cf4573d85ac}{140}" paraid="831389054" xml:lang="EN-US">One way to expedite the business credit-building process while saving time and money is to use a tool like eCredable, which turns your business bills into credit tradelines.  </p> <p lang="EN-US" paraeid="{212f0398-9bdd-4d31-a342-7cf4573d85ac}{154}" paraid="1640153817" xml:lang="EN-US">It’s a simple concept.  </p> <p lang="EN-US" paraeid="{212f0398-9bdd-4d31-a342-7cf4573d85ac}{168}" paraid="915161165" xml:lang="EN-US">Whenever you pay business utility bills like electricity, internet, water, or TV, eCredable reports your payment history to the major credit bureaus.  </p> <p lang="EN-US" paraeid="{212f0398-9bdd-4d31-a342-7cf4573d85ac}{182}" paraid="1555651196" xml:lang="EN-US">And because we automatically attempt to download up to the last 24 months of your payment history upon signing up, this can result in a huge credit bump right off the bat.  </p> <p lang="EN-US" paraeid="{212f0398-9bdd-4d31-a342-7cf4573d85ac}{196}" paraid="647486740" xml:lang="EN-US">In fact, most business owners see an average increase of 32 points.  </p> <p lang="EN-US" paraeid="{212f0398-9bdd-4d31-a342-7cf4573d85ac}{210}" paraid="1237031084" xml:lang="EN-US">For more information, <a href="https://business.ecredable.com/" rel="noreferrer noopener" target="_blank">check out eCredable Business</a>.  </p> <p lang="EN-US" paraeid="{212f0398-9bdd-4d31-a342-7cf4573d85ac}{219}" paraid="577345319" xml:lang="EN-US"> </p> <grammarly-desktop-integration data-grammarly-shadow-root="true"></grammarly-desktop-integration></body> </html> 764Walmart Net 30 Accounts - What to Expecthttps://business.ecredable.com/resources/blog/postid/763/walmart-net-30Business Credit,Business Credit Vendors,Business TradelinesWed, 31 Jan 2024 19:11:44 GMT<html> <head> <title></title> </head> <body data-gr-ext-installed="" data-new-gr-c-s-check-loaded="14.1152.0"> <h1 lang="EN-US" paraeid="{ac57fc10-76b6-4db6-9ddb-e7175695eb2c}{207}" paraid="1652095287" xml:lang="EN-US">Walmart Net 30 Accounts - What to Expect </h1> <p lang="EN-US" paraeid="{ac57fc10-76b6-4db6-9ddb-e7175695eb2c}{243}" paraid="1151234327" xml:lang="EN-US">Although Walmart Inc used to offer business owners a net 30 account with the Walmart Community Card, that card no longer exists.  </p> <p lang="EN-US" paraeid="{ac57fc10-76b6-4db6-9ddb-e7175695eb2c}{252}" paraid="1424136017" xml:lang="EN-US">However, there are several solid alternatives that are similar to a Walmart net 30 account that can boost cash flow. And some can also help you build business credit at the same time.  </p> <p lang="EN-US" paraeid="{752daa18-6ea5-4fbc-9887-360b6174549b}{11}" paraid="1995883499" xml:lang="EN-US">Here are our top three recommendations.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{752daa18-6ea5-4fbc-9887-360b6174549b}{25}" paraid="229686672" role="heading" xml:lang="EN-US">Walmart Net 30 Alternatives </h2> <p lang="EN-US" paraeid="{752daa18-6ea5-4fbc-9887-360b6174549b}{34}" paraid="1999472307" xml:lang="EN-US">      - <a href="#Walmart Credit Card ">Walmart Credit Card </a></p> <p lang="EN-US" paraeid="{752daa18-6ea5-4fbc-9887-360b6174549b}{55}" paraid="468457796" xml:lang="EN-US">      - <a href="#Sam’s Club Business Mastercard ">Sam’s Club Business Mastercard </a></p> <p lang="EN-US" paraeid="{752daa18-6ea5-4fbc-9887-360b6174549b}{73}" paraid="1395776620" xml:lang="EN-US">      - <a href="#Amazon Business Net 30 Account ">Amazon Business Net 30 Account </a></p> <h2 aria-level="3" lang="EN-US" paraeid="{752daa18-6ea5-4fbc-9887-360b6174549b}{91}" paraid="1841370771" role="heading" xml:lang="EN-US"><a id="Walmart Credit Card " name="Walmart Credit Card ">Walmart Credit Card </a></h2> <p lang="EN-US" paraeid="{752daa18-6ea5-4fbc-9887-360b6174549b}{103}" paraid="134591739" xml:lang="EN-US">The Capital One Walmart Rewards Card from Walmart International is for consumers. But it still offers cash back and other perks if you frequently shop at Walmart for your business.  </p> <p lang="EN-US" paraeid="{752daa18-6ea5-4fbc-9887-360b6174549b}{117}" paraid="1900149715" xml:lang="EN-US">This card offers some great perks, including:  </p> <ul role="list"> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="4" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="8" role="listitem"> <p lang="EN-US" paraeid="{752daa18-6ea5-4fbc-9887-360b6174549b}{131}" paraid="602285887" xml:lang="EN-US">5% cash back when used at Walmart.com </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="5" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="8" role="listitem"> <p lang="EN-US" paraeid="{752daa18-6ea5-4fbc-9887-360b6174549b}{145}" paraid="1119996005" xml:lang="EN-US">2% cash back when used at Walmart stores and gas stations, as well as at restaurants and for travel </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="6" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="8" role="listitem"> <p lang="EN-US" paraeid="{752daa18-6ea5-4fbc-9887-360b6174549b}{163}" paraid="30862757" xml:lang="EN-US">1% cash back everywhere Walmart Mastercard is accepted (not American Express) </p> </li> </ul> <p lang="EN-US" paraeid="{752daa18-6ea5-4fbc-9887-360b6174549b}{189}" paraid="1453463851" xml:lang="EN-US">We also like that there’s no annual fee from Walmart US, which is better than what many other competitors offer.  </p> <p lang="EN-US" paraeid="{752daa18-6ea5-4fbc-9887-360b6174549b}{198}" paraid="395768118" xml:lang="EN-US">In terms of APR, it’s either 18.99% or 29.99%, depending on your creditworthiness.  </p> <p lang="EN-US" paraeid="{752daa18-6ea5-4fbc-9887-360b6174549b}{212}" paraid="287738325" xml:lang="EN-US">29.99% is, admittedly, much higher than the <a href="https://www.cnn.com/cnn-underscored/money/average-credit-card-apr#:~:text=The%20average%20annual%20percentage%20rate,when%20you%20open%20a%20card." rel="noreferrer noopener" target="_blank">average 22.77%</a>. If, however, you land an 18.99% APR, that’s considerably lower than average.  </p> <p lang="EN-US" paraeid="{752daa18-6ea5-4fbc-9887-360b6174549b}{226}" paraid="694041905" xml:lang="EN-US">The bottom line is that this Walmart pay card offers some robust rewards, especially for each online purchase.  </p> <p lang="EN-US" paraeid="{752daa18-6ea5-4fbc-9887-360b6174549b}{240}" paraid="837748549" xml:lang="EN-US">And the massive product inventory on the Walmart app and Walmart store make it an asset if you’re buying items for your business such as office supply equipment or even giving away gift cards.  </p> <p lang="EN-US" paraeid="{752daa18-6ea5-4fbc-9887-360b6174549b}{254}" paraid="2097838587" xml:lang="EN-US">Note that there are no debit card, prepaid card, or employee card options, but it’s a respectable traditional credit card overall.  </p> <p lang="EN-US" paraeid="{e54f2c96-8d48-473f-8819-622f52fdc2cf}{13}" paraid="17191690" xml:lang="EN-US">And though a consumer credit card isn’t technically a net 30 account, you have around 30 days to pay your balance, which is why we’re including it in our list of alternatives for net 30 accounts. </p> <p lang="EN-US" paraeid="{e54f2c96-8d48-473f-8819-622f52fdc2cf}{27}" paraid="1617366517" xml:lang="EN-US">You can learn more and <a href="https://www.walmart.com/cp/walmart-credit-card/632402" rel="noreferrer noopener" target="_blank">apply for a Capital One Walmart Rewards Card here</a>.    </p> <h2 aria-level="3" lang="EN-US" paraeid="{e54f2c96-8d48-473f-8819-622f52fdc2cf}{41}" paraid="1026076228" role="heading" xml:lang="EN-US"><a id="Sam’s Club Business Mastercard " name="Sam’s Club Business Mastercard ">Sam’s Club Business Mastercard </a></h2> <p lang="EN-US" paraeid="{e54f2c96-8d48-473f-8819-622f52fdc2cf}{50}" paraid="229289661" xml:lang="EN-US">Sam’s Club is owned by Walmart, so they carry many of the same products. If you like shopping at Walmart as a business owner, you might consider a Sam’s Club membership. </p> <p lang="EN-US" paraeid="{e54f2c96-8d48-473f-8819-622f52fdc2cf}{59}" paraid="1580692968" xml:lang="EN-US">The Sam’s Club Business Mastercard might be of interest as well.  </p> <p lang="EN-US" paraeid="{e54f2c96-8d48-473f-8819-622f52fdc2cf}{73}" paraid="1820927754" xml:lang="EN-US">That’s because this card offers excellent rewards, including: </p> <ul role="list"> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="7" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="8" role="listitem"> <p lang="EN-US" paraeid="{e54f2c96-8d48-473f-8819-622f52fdc2cf}{92}" paraid="707829047" xml:lang="EN-US">5% cash back on gas (for the first $6,000 a year, then 1% after that) </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="8" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="8" role="listitem"> <p lang="EN-US" paraeid="{e54f2c96-8d48-473f-8819-622f52fdc2cf}{106}" paraid="814608991" xml:lang="EN-US">3% cash back on restaurants </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="9" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="8" role="listitem"> <p lang="EN-US" paraeid="{e54f2c96-8d48-473f-8819-622f52fdc2cf}{124}" paraid="774618889" xml:lang="EN-US">1% cash back on all other eligible purchases </p> </li> </ul> <p lang="EN-US" paraeid="{e54f2c96-8d48-473f-8819-622f52fdc2cf}{150}" paraid="1076247074" xml:lang="EN-US">As for APR, it’s 20.9% for Account Type 1 and 28.9% for Account Type 2.  </p> <p lang="EN-US" paraeid="{e54f2c96-8d48-473f-8819-622f52fdc2cf}{164}" paraid="352785731" xml:lang="EN-US">There’s also no annual fee or personal guarantee required, and the Sam’s business credit card reports to Equifax and Experian credit bureaus. As long as you consistently make your payments on time or in advance, this should help raise your business credit score.  </p> <p lang="EN-US" paraeid="{e54f2c96-8d48-473f-8819-622f52fdc2cf}{178}" paraid="144540567" xml:lang="EN-US">And with the extensive product line that Sam’s carries, you can also make the key business purchases you need while simultaneously boosting cash flow. </p> <p lang="EN-US" paraeid="{e54f2c96-8d48-473f-8819-622f52fdc2cf}{192}" paraid="952635099" xml:lang="EN-US">You can apply for a <a href="https://www.samsclub.com/account/credit-app-login?business=true&refsite=DBLP&synTrackingId=89df0d1e-e3cc-4afb-b82c-41e6bcc8508e" rel="noreferrer noopener" target="_blank">Sam’s Club Business Mastercard here</a>. </p> <h2 aria-level="3" lang="EN-US" paraeid="{e54f2c96-8d48-473f-8819-622f52fdc2cf}{201}" paraid="1233737702" role="heading" xml:lang="EN-US"><a id="Amazon Business Net 30 Account " name="Amazon Business Net 30 Account ">Amazon Business Net 30 Account </a></h2> <p lang="EN-US" paraeid="{e54f2c96-8d48-473f-8819-622f52fdc2cf}{210}" paraid="15292136" xml:lang="EN-US">We put Amazon on this list because it’s one of the few companies with product selection as big as Walmart’s. They also have pricing that’s just as low, if not lower. </p> <p lang="EN-US" paraeid="{e54f2c96-8d48-473f-8819-622f52fdc2cf}{224}" paraid="1329867920" xml:lang="EN-US">Let us start off by saying that an Amazon Business Net 30 account, known as a <a href="https://www.amazon.com/Amazon-Business-Pay-by-Invoice/dp/B07GZY6QJK" rel="noreferrer noopener" target="_blank">Pay by Invoice</a> account, does not report to business credit bureaus. Therefore, it won’t directly help a small business build business credit. </p> <p lang="EN-US" paraeid="{e54f2c96-8d48-473f-8819-622f52fdc2cf}{238}" paraid="220647517" xml:lang="EN-US">That said, there are some definite advantages to having an account. It mainly frees up cash flow and gives you financial wiggle room when paying Amazon commerce invoices.  </p> <p lang="EN-US" paraeid="{e54f2c96-8d48-473f-8819-622f52fdc2cf}{252}" paraid="183053495" xml:lang="EN-US">This allows you to pump more of your revenue back into your business, which can help increase net sales over time.  </p> <p lang="EN-US" paraeid="{f2fef83a-1ab7-4ea9-b778-73ea352b9c91}{11}" paraid="1149031327" xml:lang="EN-US">The default setting is net 30 terms, with 30 days to pay for a purchase. However, if you need more time, “You can apply for 45-day terms with the Small and Medium plans or 60-day terms with the Enterprise plan” if you have a Business Prime membership <a href="https://www.amazon.com/Amazon-Business-Pay-by-Invoice/dp/B07GZY6QJK" rel="noreferrer noopener" target="_blank">Amazon explains</a>. </p> <p lang="EN-US" paraeid="{f2fef83a-1ab7-4ea9-b778-73ea352b9c91}{25}" paraid="1349445198" xml:lang="EN-US">Besides that, Amazon allows you to conveniently track your spending, search and download each purchase, and leverage comprehensive analytics tools. And of course, this net 30 vendor offers frequent sale events for discounts and has solid customer service.  </p> <p lang="EN-US" paraeid="{f2fef83a-1ab7-4ea9-b778-73ea352b9c91}{39}" paraid="1081999579" xml:lang="EN-US">With a selection of products that’s at least as good as Walmart’s, you should be able to find nearly everything you need to run your business.  </p> <p lang="EN-US" paraeid="{f2fef83a-1ab7-4ea9-b778-73ea352b9c91}{53}" paraid="470045961" xml:lang="EN-US">You can get more information about an <a href="https://www.amazon.com/Amazon-Business-Pay-by-Invoice/dp/B07GZY6QJK" rel="noreferrer noopener" target="_blank">Amazon Business Net 30 account here</a>.  </p> <p lang="EN-US" paraeid="{f2fef83a-1ab7-4ea9-b778-73ea352b9c91}{67}" paraid="521085613" xml:lang="EN-US">Note if you’re looking for <a href="https://business.ecredable.com/resources/blog/net-30-accounts" rel="noreferrer noopener" target="_blank">net 30 accounts</a> that do report to business credit bureaus, you can find our reviews of some here: </p> <ul role="list"> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="10" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="8" role="listitem"> <p lang="EN-US" paraeid="{f2fef83a-1ab7-4ea9-b778-73ea352b9c91}{81}" paraid="1048315025" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/crown-office-supplies-net-30" rel="noreferrer noopener" target="_blank">Crown Office Supplies net 30</a> </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="11" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="8" role="listitem"> <p lang="EN-US" paraeid="{f2fef83a-1ab7-4ea9-b778-73ea352b9c91}{95}" paraid="1735848610" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/uline-net-30" rel="noreferrer noopener" target="_blank">Uline net 30</a> </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="12" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="8" role="listitem"> <p lang="EN-US" paraeid="{f2fef83a-1ab7-4ea9-b778-73ea352b9c91}{113}" paraid="1546235778" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/grainger-net-30" rel="noreferrer noopener" target="_blank">Grainger net 30</a> </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="13" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="8" role="listitem"> <p lang="EN-US" paraeid="{f2fef83a-1ab7-4ea9-b778-73ea352b9c91}{131}" paraid="496542433" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/quill-net-30" rel="noreferrer noopener" target="_blank">Quill net 30</a> </p> </li> </ul> <h2 aria-level="2" lang="EN-US" paraeid="{f2fef83a-1ab7-4ea9-b778-73ea352b9c91}{149}" paraid="771165798" role="heading" xml:lang="EN-US">Build Business Credit with eCredable Business Lift </h2> <p lang="EN-US" paraeid="{f2fef83a-1ab7-4ea9-b778-73ea352b9c91}{161}" paraid="558581476" xml:lang="EN-US">If your primary goal of using net 30 accounts is to build business credit with vendors, you’ll definitely be interested in eCredable because it’s specifically designed to report business bills to credit bureaus.  </p> <p lang="EN-US" paraeid="{f2fef83a-1ab7-4ea9-b778-73ea352b9c91}{170}" paraid="673200631" xml:lang="EN-US">You can think of it as turning business bills like electricity, water, internet, TV, and mobile phones into business trade credit. By making payments to vendors on time, this will be reflected in your business credit history, which should, in turn, help you build business credit.  </p> <p lang="EN-US" paraeid="{f2fef83a-1ab7-4ea9-b778-73ea352b9c91}{189}" paraid="1519844690" xml:lang="EN-US">Besides just reporting business bills, eCredable can report other things like payments to vendors and suppliers, business insurance, business rent/lease, accounting, marketing, and other services.  </p> <p lang="EN-US" paraeid="{f2fef83a-1ab7-4ea9-b778-73ea352b9c91}{198}" paraid="1388535896" xml:lang="EN-US">And because eCredable automatically attempts to report up to the last 24 months of payments from vendor accounts upon signing up, you can see a big bump in your business credit right away — an average 32-point increase to be more specific.  </p> <p lang="EN-US" paraeid="{f2fef83a-1ab7-4ea9-b778-73ea352b9c91}{212}" paraid="5298422" xml:lang="EN-US">You can learn more about how <a href="https://business.ecredable.com/" rel="noreferrer noopener" target="_blank">eCredable Business Lift works here</a>.  </p> </body> <grammarly-desktop-integration data-grammarly-shadow-root="true"></grammarly-desktop-integration></html> 763SupplyWorks Net 30 Reviewhttps://business.ecredable.com/resources/blog/postid/762/supplyworks-net-30Business Credit,Business Credit Vendors,Business TradelinesWed, 31 Jan 2024 19:08:01 GMT<html> <head> <title></title> </head> <body data-gr-ext-installed="" data-new-gr-c-s-check-loaded="14.1152.0"> <h1 lang="EN-US" paraeid="{e5c4d3b4-d5f0-42ec-988a-e0901335fc1e}{23}" paraid="1390365107" xml:lang="EN-US">SupplyWorks Net 30 Review </h1> <p lang="EN-US" paraeid="{e5c4d3b4-d5f0-42ec-988a-e0901335fc1e}{59}" paraid="37258319" xml:lang="EN-US">SupplyWorks is a wholesale distributor for The Home Depot and has a robust net 30 account program in place.  </p> <p lang="EN-US" paraeid="{e5c4d3b4-d5f0-42ec-988a-e0901335fc1e}{73}" paraid="882709269" xml:lang="EN-US">If you want to build business credit when purchasing business products and are looking for access to an extensive product line, SupplyWorks is a vendor worth considering.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{e5c4d3b4-d5f0-42ec-988a-e0901335fc1e}{82}" paraid="1205977277" role="heading" xml:lang="EN-US">Our SupplyWorks Net 30 Review </h2> <p lang="EN-US" paraeid="{e5c4d3b4-d5f0-42ec-988a-e0901335fc1e}{91}" paraid="1284180885" xml:lang="EN-US">The pros are that this vendor offers a net 30 account for numerous business supplies and offers free shipping on orders of $150 or more.  </p> <p lang="EN-US" paraeid="{e5c4d3b4-d5f0-42ec-988a-e0901335fc1e}{105}" paraid="277660271" xml:lang="EN-US">The cons are that they have a higher-than-average minimum purchase amount and lack transparency with credit bureau reporting and account eligibility requirements.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{e5c4d3b4-d5f0-42ec-988a-e0901335fc1e}{114}" paraid="1640570451" role="heading" xml:lang="EN-US">3 Reasons Why We Like SupplyWorks Net 30: </h2> <p lang="EN-US" paraeid="{e5c4d3b4-d5f0-42ec-988a-e0901335fc1e}{123}" paraid="870243613" xml:lang="EN-US">      - <a href="#You Can Build Business Credit While Financing Products ">You Can Build Business Credit While Financing Products </a></p> <p lang="EN-US" paraeid="{e5c4d3b4-d5f0-42ec-988a-e0901335fc1e}{144}" paraid="719795837" xml:lang="EN-US">      - <a href="#You Have Access to a Wide Range of Business Products ">You Have Access to a Wide Range of Business Products  </a></p> <p lang="EN-US" paraeid="{e5c4d3b4-d5f0-42ec-988a-e0901335fc1e}{162}" paraid="1793971812" xml:lang="EN-US">      - <a href="#There’s Free Shipping on Orders of $150 or More ">There’s Free Shipping on Orders of $150 or More </a></p> <h2 aria-level="2" lang="EN-US" paraeid="{e5c4d3b4-d5f0-42ec-988a-e0901335fc1e}{180}" paraid="1668520536" role="heading" xml:lang="EN-US"><a id="You Can Build Business Credit While Financing Products " name="You Can Build Business Credit While Financing Products ">You Can Build Business Credit While Financing Products </a></h2> <p lang="EN-US" paraeid="{e5c4d3b4-d5f0-42ec-988a-e0901335fc1e}{192}" paraid="1065333718" xml:lang="EN-US">Getting net 30 terms from a vendor like SupplyWorks kills two birds with one stone because you can A) get financing on essential products to run your business and keep up with demand and B) build business credit in the process.  </p> <p lang="EN-US" paraeid="{e5c4d3b4-d5f0-42ec-988a-e0901335fc1e}{206}" paraid="1777617160" xml:lang="EN-US">By establishing a positive product payment history with your financial tradeline, this can help your small business raise its credit score in the same way being on time with personal credit card payments helps build personal credit.  </p> <p lang="EN-US" paraeid="{e5c4d3b4-d5f0-42ec-988a-e0901335fc1e}{220}" paraid="2051312343" xml:lang="EN-US">In turn, the business credit you build can help you attain additional financing in the future, such as a business credit card or business loan — often with favorable terms like low interest and a high credit limit.  </p> <p lang="EN-US" paraeid="{e5c4d3b4-d5f0-42ec-988a-e0901335fc1e}{234}" paraid="1218837728" xml:lang="EN-US">While we’re not thrilled that SupplyWorks doesn’t specifically state which business credit bureau or bureaus they report to (that information is undisclosed), it’s clear that they do report net 30 account payment history.  </p> <p lang="EN-US" paraeid="{e5c4d3b4-d5f0-42ec-988a-e0901335fc1e}{248}" paraid="887155783" xml:lang="EN-US">It may be with Dun & Bradstreet, Equifax Business, Experian Business, Creditsafe, or a combination of the three. We’re not sure.  </p> <p lang="EN-US" paraeid="{1be596bc-6f01-40e5-99b1-15d4d4f31260}{7}" paraid="1773280573" xml:lang="EN-US">Regardless of the fact, you should be able to raise your business credit score with a SupplyWorks business account.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{1be596bc-6f01-40e5-99b1-15d4d4f31260}{16}" paraid="1202982159" role="heading" xml:lang="EN-US"><a id="You Have Access to a Wide Range of Business Products " name="You Have Access to a Wide Range of Business Products ">You Have Access to a Wide Range of Business Products </a></h2> <p lang="EN-US" paraeid="{1be596bc-6f01-40e5-99b1-15d4d4f31260}{25}" paraid="1893988994" xml:lang="EN-US">Being part of The Home Depot, it’s unsurprising that SupplyWorks, which will soon become HD Supply, has an extensive product catalog.  </p> <p lang="EN-US" paraeid="{1be596bc-6f01-40e5-99b1-15d4d4f31260}{39}" paraid="270114072" xml:lang="EN-US">As we mentioned before, they carry office supplies, hardware, appliances, paper products, and cleaning supplies. And that’s just the tip of the iceberg, as they also carry janitorial items, plumbing products, personal protection, HVAC, and lighting.  </p> <p lang="EN-US" paraeid="{1be596bc-6f01-40e5-99b1-15d4d4f31260}{53}" paraid="367409620" xml:lang="EN-US">This makes for a robust inventory line, and as a business owner, you can find nearly everything you need from a single 30 day payment vendor.  </p> <p lang="EN-US" paraeid="{1be596bc-6f01-40e5-99b1-15d4d4f31260}{67}" paraid="1130884333" xml:lang="EN-US">We also like that SupplyWorks has ongoing specials and offers, as well as clearance items. This means you can often get discounts on the business items you need most. Not to mention, they have responsive customer service for questions or inquiries.  </p> <p lang="EN-US" paraeid="{1be596bc-6f01-40e5-99b1-15d4d4f31260}{81}" paraid="1429764486" xml:lang="EN-US">If you’re interested in other vendors with net 30 terms, here are some others we recommend: </p> <ul role="list"> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="4" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="7" role="listitem"> <p lang="EN-US" paraeid="{1be596bc-6f01-40e5-99b1-15d4d4f31260}{95}" paraid="1420710276" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/crown-office-supplies-net-30" rel="noreferrer noopener" target="_blank">Crown Office Supplies Net 30</a> </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="5" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="7" role="listitem"> <p lang="EN-US" paraeid="{1be596bc-6f01-40e5-99b1-15d4d4f31260}{109}" paraid="1682170460" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/uline-net-30" rel="noreferrer noopener" target="_blank">Uline Net 30</a> (rights reserved) </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="6" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="7" role="listitem"> <p lang="EN-US" paraeid="{1be596bc-6f01-40e5-99b1-15d4d4f31260}{127}" paraid="1618947237" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/grainger-net-30" rel="noreferrer noopener" target="_blank">Grainger Net 30</a> </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="7" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="7" role="listitem"> <p lang="EN-US" paraeid="{1be596bc-6f01-40e5-99b1-15d4d4f31260}{145}" paraid="1389316859" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/quill-net-30" rel="noreferrer noopener" target="_blank">Quill Net 30</a> </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="8" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="7" role="listitem"> <p lang="EN-US" paraeid="{1be596bc-6f01-40e5-99b1-15d4d4f31260}{163}" paraid="589366129" xml:lang="EN-US"><a href="https://wisebusinessplans.com/wise-net-30-account/" rel="noreferrer noopener" target="_blank">Wise Business Plan Net 30</a> </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="9" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="7" role="listitem"> <p lang="EN-US" paraeid="{1be596bc-6f01-40e5-99b1-15d4d4f31260}{181}" paraid="1357259248" xml:lang="EN-US"><a href="https://officegarner.com/about-net-30/" rel="noreferrer noopener" target="_blank">Office Garner Net 30</a> </p> </li> </ul> <p lang="EN-US" paraeid="{1be596bc-6f01-40e5-99b1-15d4d4f31260}{207}" paraid="1911713562" xml:lang="EN-US">By having a nice mix of net 30 account vendors, you should be able to expedite building your business credit through trade credit.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{1be596bc-6f01-40e5-99b1-15d4d4f31260}{216}" paraid="731437610" role="heading" xml:lang="EN-US"><a id="There’s Free Shipping on Orders of $150 or More " name="There’s Free Shipping on Orders of $150 or More ">There’s Free Shipping on Orders of $150 or More </a></h2> <p lang="EN-US" paraeid="{1be596bc-6f01-40e5-99b1-15d4d4f31260}{225}" paraid="257413913" xml:lang="EN-US">As for the minimum purchase order to be eligible for a net 30 account, it’s $150.  </p> <p lang="EN-US" paraeid="{1be596bc-6f01-40e5-99b1-15d4d4f31260}{239}" paraid="644228715" xml:lang="EN-US">While that’s considerably higher than what many other vendors offer (most only require a minimum order of around $50), the fact that SupplyWorks offers free shipping within the continental US makes it more enticing.  </p> <p lang="EN-US" paraeid="{1be596bc-6f01-40e5-99b1-15d4d4f31260}{253}" paraid="734024662" xml:lang="EN-US">Also, “Stock items will ship <a href="https://www.supplyworks.com/info/terms-of-sale" rel="noreferrer noopener" target="_blank">within 24-72 hours</a> depending on established shipping schedules,” according to the vendor.  </p> <p lang="EN-US" paraeid="{0ae28465-bb28-402c-b06f-7b888d0feae3}{12}" paraid="694213958" xml:lang="EN-US">The bottom line is that the minimum purchase order is, admittedly, a little steep. But we feel the free shipping is a nice plus that can help offset account costs for business owners. </p> <h2 aria-level="2" lang="EN-US" paraeid="{0ae28465-bb28-402c-b06f-7b888d0feae3}{21}" paraid="2034572299" role="heading" xml:lang="EN-US">SupplyWorks Net 30 Account Requirements </h2> <p lang="EN-US" paraeid="{0ae28465-bb28-402c-b06f-7b888d0feae3}{30}" paraid="297967654" xml:lang="EN-US">This vendor also lacks transparency with their account requirements, which can be a little frustrating.  </p> <p lang="EN-US" paraeid="{0ae28465-bb28-402c-b06f-7b888d0feae3}{44}" paraid="1423876158" xml:lang="EN-US">However, business owners will likely need the following information: </p> <ul role="list"> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="10" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="7" role="listitem"> <p lang="EN-US" paraeid="{0ae28465-bb28-402c-b06f-7b888d0feae3}{58}" paraid="218430643" xml:lang="EN-US">Business name </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="11" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="7" role="listitem"> <p lang="EN-US" paraeid="{0ae28465-bb28-402c-b06f-7b888d0feae3}{72}" paraid="766671370" xml:lang="EN-US">Business address </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="12" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="7" role="listitem"> <p lang="EN-US" paraeid="{0ae28465-bb28-402c-b06f-7b888d0feae3}{90}" paraid="1757416128" xml:lang="EN-US">Personal information </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="13" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="7" role="listitem"> <p lang="EN-US" paraeid="{0ae28465-bb28-402c-b06f-7b888d0feae3}{108}" paraid="1284170358" xml:lang="EN-US">Email </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="14" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="7" role="listitem"> <p lang="EN-US" paraeid="{0ae28465-bb28-402c-b06f-7b888d0feae3}{126}" paraid="591080249" xml:lang="EN-US">Date of birth </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="15" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="7" role="listitem"> <p lang="EN-US" paraeid="{0ae28465-bb28-402c-b06f-7b888d0feae3}{144}" paraid="180439767" xml:lang="EN-US">Website </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="16" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="7" role="listitem"> <p lang="EN-US" paraeid="{0ae28465-bb28-402c-b06f-7b888d0feae3}{162}" paraid="744734762" xml:lang="EN-US">EIN </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="17" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="7" role="listitem"> <p lang="EN-US" paraeid="{0ae28465-bb28-402c-b06f-7b888d0feae3}{180}" paraid="979112176" xml:lang="EN-US">DUNS number </p> </li> </ul> <p lang="EN-US" paraeid="{0ae28465-bb28-402c-b06f-7b888d0feae3}{206}" paraid="896678928" xml:lang="EN-US">Your business must also be based in the United States. And again, you must spend at least $150 on an order to be eligible for a new account with net 30 terms.  </p> <p lang="EN-US" paraeid="{0ae28465-bb28-402c-b06f-7b888d0feae3}{215}" paraid="150160468" xml:lang="EN-US">In terms of an annual account fee for a 30 day payment term, we can’t find anything about that. Therefore, business owners shouldn’t have to deal with an annual fee, which is common with many other vendors.  </p> <p lang="EN-US" paraeid="{0ae28465-bb28-402c-b06f-7b888d0feae3}{229}" paraid="1751143322" xml:lang="EN-US">While the limited transparency isn’t ideal, the overall process for signing up for a new account appears to be pretty straightforward.  </p> <p lang="EN-US" paraeid="{0ae28465-bb28-402c-b06f-7b888d0feae3}{243}" paraid="1136665938" xml:lang="EN-US">You can find more information on <a href="https://www.supplyworks.com/info/terms-of-sale" rel="noreferrer noopener" target="_blank">terms of sale and service here</a>.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{f52e0264-1f74-4d77-b157-4ae5ded8092e}{2}" paraid="163983474" role="heading" xml:lang="EN-US">Build Business Credit Quicker with eCredable </h2> <p lang="EN-US" paraeid="{f52e0264-1f74-4d77-b157-4ae5ded8092e}{11}" paraid="1695871633" xml:lang="EN-US">There’s no denying that <a href="https://business.ecredable.com/resources/blog/net-30-accounts" rel="noreferrer noopener" target="_blank">net 30 accounts</a> can be advantageous for building business credit while also boosting cash flow.  </p> <p lang="EN-US" paraeid="{f52e0264-1f74-4d77-b157-4ae5ded8092e}{20}" paraid="1055160284" xml:lang="EN-US">That said, seeing a significant bump to your business credit score takes time and can be meticulous.  </p> <p lang="EN-US" paraeid="{f52e0264-1f74-4d77-b157-4ae5ded8092e}{34}" paraid="1108969153" xml:lang="EN-US">For perspective, a business owner may have to get 5-10 vendor tradelines and spend $500-$1,000 on net 30 accounts to gain any traction. And the process can take at least 30-45 days. </p> <p lang="EN-US" paraeid="{f52e0264-1f74-4d77-b157-4ae5ded8092e}{48}" paraid="998075346" xml:lang="EN-US">An alternative that’s quickly growing in popularity is using a tool like eCredable, which turns your business bills into business tradelines.  </p> <p lang="EN-US" paraeid="{f52e0264-1f74-4d77-b157-4ae5ded8092e}{62}" paraid="1083889705" xml:lang="EN-US">The premise is simple. Sign up with eCredable, and it reports several business bills like power, water, gas, mobile phone, TV, and internet, as well as business rent/lease, business services, and more to major business credit bureaus.  </p> <p lang="EN-US" paraeid="{f52e0264-1f74-4d77-b157-4ae5ded8092e}{76}" paraid="1942141635" xml:lang="EN-US">As soon as you sign up, eCredable will attempt to download up to the past 24 months of prior bills for an instant credit bump. To quantify, this results in an average 32-point increase for most businesses.  </p> <p lang="EN-US" paraeid="{f52e0264-1f74-4d77-b157-4ae5ded8092e}{90}" paraid="752701712" xml:lang="EN-US">And most companies can raise their business credit score by as much as 40% in the first three months.  </p> <p lang="EN-US" paraeid="{f52e0264-1f74-4d77-b157-4ae5ded8092e}{104}" paraid="1920686207" xml:lang="EN-US">Learn more about how eCredable can <a href="https://business.ecredable.com/" rel="noreferrer noopener" target="_blank">take your business credit to the next level here</a>.  </p> <p lang="EN-US" paraeid="{f52e0264-1f74-4d77-b157-4ae5ded8092e}{123}" paraid="103591560" xml:lang="EN-US"> </p> </body> <grammarly-desktop-integration data-grammarly-shadow-root="true"></grammarly-desktop-integration></html> 762Staples Net 30 Reviewhttps://business.ecredable.com/resources/blog/postid/761/staples-net-30Business Credit,Business Credit Vendors,Business TradelinesWed, 31 Jan 2024 19:04:24 GMT<html> <head> <title></title> </head> <body data-gr-ext-installed="" data-new-gr-c-s-check-loaded="14.1152.0"> <h1 lang="EN-US" paraeid="{2a3bac6b-47d0-464a-ab20-66030d27f62f}{90}" paraid="2055721080" xml:lang="EN-US">Staples Net 30 Review </h1> <p lang="EN-US" paraeid="{2a3bac6b-47d0-464a-ab20-66030d27f62f}{126}" paraid="1010375802" xml:lang="EN-US">Staples is one of today’s top retailers for office supplies and equipment, shipping supplies, electronics, and more.  </p> <p lang="EN-US" paraeid="{2a3bac6b-47d0-464a-ab20-66030d27f62f}{140}" paraid="879725399" xml:lang="EN-US">If you’re looking to make Staples purchases while at the same time building business credit, you’ll likely be interested in their net 30 account.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{2a3bac6b-47d0-464a-ab20-66030d27f62f}{149}" paraid="842661931" role="heading" xml:lang="EN-US">Our Staples Net 30 Review </h2> <p lang="EN-US" paraeid="{2a3bac6b-47d0-464a-ab20-66030d27f62f}{158}" paraid="1352126986" xml:lang="EN-US">Overall, this is a great account for improving your business credit history, and Staples has an extensive product catalog with continual deals and discounts.  </p> <p lang="EN-US" paraeid="{2a3bac6b-47d0-464a-ab20-66030d27f62f}{172}" paraid="1941383857" xml:lang="EN-US">The only downside is that a business must have at least 20 employees to be eligible for net 30 payment terms.  </p> <p aria-level="2" lang="EN-US" paraeid="{2a3bac6b-47d0-464a-ab20-66030d27f62f}{181}" paraid="18908043" role="heading" xml:lang="EN-US">Key Selling Points: </p> <p lang="EN-US" paraeid="{2a3bac6b-47d0-464a-ab20-66030d27f62f}{190}" paraid="559948041" xml:lang="EN-US">      - <a href="#Staples Reports to Dun & Bradstreet ">Staples Reports to Dun & Bradstreet </a></p> <p lang="EN-US" paraeid="{2a3bac6b-47d0-464a-ab20-66030d27f62f}{211}" paraid="1194865908" xml:lang="EN-US">      - <a href="#They Sell Over 20,000 Brand-Name Products">They Sell Over 20,000 Brand Name Products </a></p> <p lang="EN-US" paraeid="{2a3bac6b-47d0-464a-ab20-66030d27f62f}{229}" paraid="200716151" xml:lang="EN-US">      - <a href="#Staples Offers Frequent Deals and Discounts ">Staples Offers Frequent Deals and Discounts </a></p> <h2 aria-level="2" lang="EN-US" paraeid="{2a3bac6b-47d0-464a-ab20-66030d27f62f}{247}" paraid="2041428584" role="heading" xml:lang="EN-US"><a id="Staples Reports to Dun & Bradstreet " name="Staples Reports to Dun & Bradstreet ">Staples Reports to Dun & Bradstreet </a></h2> <p lang="EN-US" paraeid="{98a92aff-04c1-4f96-9457-139a7126b3b1}{4}" paraid="1483494649" xml:lang="EN-US">One of the first things most business owners want to know before signing up for net 30 payment terms is which business credit bureaus a vendor reports to.  </p> <p lang="EN-US" paraeid="{98a92aff-04c1-4f96-9457-139a7126b3b1}{18}" paraid="621801154" xml:lang="EN-US">For Staples, it’s Dun & Bradstreet.  </p> <p lang="EN-US" paraeid="{98a92aff-04c1-4f96-9457-139a7126b3b1}{32}" paraid="910236829" xml:lang="EN-US">While it’s ideal for a vendor to report to other credit bureaus like Experian Business and Equifax Business, D&B is often the preferred business credit bureau of the three.  </p> <p lang="EN-US" paraeid="{98a92aff-04c1-4f96-9457-139a7126b3b1}{46}" paraid="1993790910" xml:lang="EN-US">That’s because many lenders look at PAYDEX scores when determining eligibility for a business credit card, a business loan, or other payment financing.  </p> <p lang="EN-US" paraeid="{98a92aff-04c1-4f96-9457-139a7126b3b1}{60}" paraid="288616871" xml:lang="EN-US">If you prefer to do business with a vendor that reports to D&B, Staples should be a good fit.  </p> <p lang="EN-US" paraeid="{98a92aff-04c1-4f96-9457-139a7126b3b1}{74}" paraid="153214983" xml:lang="EN-US">Similarly to building personal credit, maintaining a positive payment history with a business account should raise your business credit score, which can make your company more appealing when applying for future payment financing.  </p> <p lang="EN-US" paraeid="{98a92aff-04c1-4f96-9457-139a7126b3b1}{88}" paraid="1359170782" xml:lang="EN-US">Plus, it should help you negotiate more favorable credit terms, like low interest on a credit card and higher credit limits.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{98a92aff-04c1-4f96-9457-139a7126b3b1}{97}" paraid="1340670136" role="heading" xml:lang="EN-US"><a id="They Sell Over 20,000 Brand-Name Products" name="They Sell Over 20,000 Brand-Name Products">They Sell Over 20,000 Brand-Name Products</a> </h2> <p lang="EN-US" paraeid="{98a92aff-04c1-4f96-9457-139a7126b3b1}{106}" paraid="1739078023" xml:lang="EN-US">When it comes to inventory, the consumer Staples sector has a truly impressive catalog.  </p> <p lang="EN-US" paraeid="{98a92aff-04c1-4f96-9457-139a7126b3b1}{120}" paraid="142853857" xml:lang="EN-US">As of late 2023, they offered over 20,000 brand-name products, which means you can find nearly anything you need to supply your business conveniently from a single retailer.  </p> <p lang="EN-US" paraeid="{98a92aff-04c1-4f96-9457-139a7126b3b1}{129}" paraid="41533738" xml:lang="EN-US">While there are plenty of other business account vendors available like Office Depot and Summa Office Supplies, it’s hard to argue with the sheer inventory volume that Staples offers.  </p> <p lang="EN-US" paraeid="{98a92aff-04c1-4f96-9457-139a7126b3b1}{148}" paraid="167272504" xml:lang="EN-US">Here are just a few product categories they carry: </p> <ul role="list"> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="4" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="6" role="listitem"> <p lang="EN-US" paraeid="{98a92aff-04c1-4f96-9457-139a7126b3b1}{162}" paraid="598080297" xml:lang="EN-US">Office supplies  </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="5" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="6" role="listitem"> <p lang="EN-US" paraeid="{98a92aff-04c1-4f96-9457-139a7126b3b1}{176}" paraid="596249951" xml:lang="EN-US">Office equipment </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="6" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="6" role="listitem"> <p lang="EN-US" paraeid="{98a92aff-04c1-4f96-9457-139a7126b3b1}{194}" paraid="1396671281" xml:lang="EN-US">Shipping supplies </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="7" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="6" role="listitem"> <p lang="EN-US" paraeid="{98a92aff-04c1-4f96-9457-139a7126b3b1}{212}" paraid="1366250487" xml:lang="EN-US">Electronics </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="8" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="6" role="listitem"> <p lang="EN-US" paraeid="{98a92aff-04c1-4f96-9457-139a7126b3b1}{230}" paraid="290045276" xml:lang="EN-US">Computers </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="9" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="6" role="listitem"> <p lang="EN-US" paraeid="{98a92aff-04c1-4f96-9457-139a7126b3b1}{248}" paraid="625847730" xml:lang="EN-US">Furniture </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="10" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="6" role="listitem"> <p lang="EN-US" paraeid="{61dc7992-8921-417f-bf41-41a17b1f0cfb}{11}" paraid="1564478087" xml:lang="EN-US">Cleaning supplies </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="11" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="6" role="listitem"> <p lang="EN-US" paraeid="{61dc7992-8921-417f-bf41-41a17b1f0cfb}{29}" paraid="1507744678" xml:lang="EN-US">Safety supplies </p> </li> </ul> <p lang="EN-US" paraeid="{61dc7992-8921-417f-bf41-41a17b1f0cfb}{55}" paraid="1961854541" xml:lang="EN-US">It should also be noted that not all large retailers offer net 30 programs with trade credit. Office Depot and Home Depot, for example, don’t currently offer them.  </p> <p lang="EN-US" paraeid="{61dc7992-8921-417f-bf41-41a17b1f0cfb}{69}" paraid="1359500791" xml:lang="EN-US">We also like how simple Staples makes it to find what you’re looking for. Their website is highly intuitive and allows you to quickly narrow your search down with zero hassle.  </p> <p lang="EN-US" paraeid="{61dc7992-8921-417f-bf41-41a17b1f0cfb}{83}" paraid="935025924" xml:lang="EN-US">So if you’re looking for a one-stop shop office products vendor with a massive catalog and net 30 payment terms, this is a good choice. </p> <h2 aria-level="2" lang="EN-US" paraeid="{61dc7992-8921-417f-bf41-41a17b1f0cfb}{92}" paraid="1805114632" role="heading" xml:lang="EN-US"><a id="Staples Offers Frequent Deals and Discounts " name="Staples Offers Frequent Deals and Discounts ">Staples Offers Frequent Deals and Discounts </a></h2> <p lang="EN-US" paraeid="{61dc7992-8921-417f-bf41-41a17b1f0cfb}{101}" paraid="576132605" xml:lang="EN-US">The final main selling point of this net 30 account is the savings and rewards.  </p> <p lang="EN-US" paraeid="{61dc7992-8921-417f-bf41-41a17b1f0cfb}{115}" paraid="2021994992" xml:lang="EN-US">According to Staples, “<a href="https://www.staplesadvantage.com/learn/staples-business-advantage-account-options" rel="noreferrer noopener" target="_blank">Customers save 10%</a> every day vs. a major competitor,” and “next-day delivery is available to 98% of the US.”  </p> <p lang="EN-US" paraeid="{61dc7992-8921-417f-bf41-41a17b1f0cfb}{129}" paraid="1910491089" xml:lang="EN-US">They almost always have deals and discounts on a variety of office supplies and other products, which can easily be found on their website.  </p> <p lang="EN-US" paraeid="{61dc7992-8921-417f-bf41-41a17b1f0cfb}{143}" paraid="1777017644" xml:lang="EN-US">And while other competitors, like Office Depot, offer deals as well, we feel Staples is more robust. They even have specific sections of their site dedicated to <a href="https://www.staples.com/deals/Staples-Daily-Deals/SEGDD0000001" rel="noreferrer noopener" target="_blank">My Deals</a> and <a href="https://www.staples.com/deals/Clearance-Deals/BI1278394" rel="noreferrer noopener" target="_blank">Clearance items</a>.  </p> <p lang="EN-US" paraeid="{61dc7992-8921-417f-bf41-41a17b1f0cfb}{157}" paraid="2088447329" xml:lang="EN-US">The money saved can be beneficial to business owners and can really add up over time. So if you want a vendor that’s generous with savings, you’ll definitely want to consider a Staples business account.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{61dc7992-8921-417f-bf41-41a17b1f0cfb}{166}" paraid="885326201" role="heading" xml:lang="EN-US">Staples Net 30 Account Requirements </h2> <p lang="EN-US" paraeid="{61dc7992-8921-417f-bf41-41a17b1f0cfb}{175}" paraid="1338832493" xml:lang="EN-US">To get net 30 terms, you’ll need to have a Staples Business Advantage account.  </p> <p lang="EN-US" paraeid="{61dc7992-8921-417f-bf41-41a17b1f0cfb}{189}" paraid="638146856" xml:lang="EN-US">Staples states this is intended for businesses with at least 20 employees. Therefore, if you’re a small business owner with only a handful of employees, this won’t be the right vendor for you.  </p> <p lang="EN-US" paraeid="{61dc7992-8921-417f-bf41-41a17b1f0cfb}{203}" paraid="1072728964" xml:lang="EN-US">If this is the case, here’s some related content featuring other net 30 vendors we’ve covered: </p> <ul role="list"> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="12" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="6" role="listitem"> <p lang="EN-US" paraeid="{61dc7992-8921-417f-bf41-41a17b1f0cfb}{217}" paraid="352127894" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/crown-office-supplies-net-30" rel="noreferrer noopener" target="_blank">Crown Office Supplies net 30</a> </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="13" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="6" role="listitem"> <p lang="EN-US" paraeid="{61dc7992-8921-417f-bf41-41a17b1f0cfb}{231}" paraid="1464889623" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/uline-net-30" rel="noreferrer noopener" target="_blank">Uline net 30</a> </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="14" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="6" role="listitem"> <p lang="EN-US" paraeid="{61dc7992-8921-417f-bf41-41a17b1f0cfb}{249}" paraid="856633504" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/grainger-net-30" rel="noreferrer noopener" target="_blank">Grainger net 30</a> </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="15" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="6" role="listitem"> <p lang="EN-US" paraeid="{c988a65b-50b8-4e5c-87ba-d6c32bc86456}{12}" paraid="922358553" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/quill-net-30" rel="noreferrer noopener" target="_blank">Quill net 30</a> </p> </li> </ul> <p lang="EN-US" paraeid="{c988a65b-50b8-4e5c-87ba-d6c32bc86456}{38}" paraid="1835429148" xml:lang="EN-US">Other vendors in non-related industries include <a href="https://creativeanalyticsdc.com/net30/" rel="noreferrer noopener" target="_blank">Creative Analytics Net 30</a>, <a href="https://theceocreative.com/business-net-30-account/" rel="noreferrer noopener" target="_blank">The CEO Creative Net 30</a>, <a href="https://www.businesstshirtclub.com/" rel="noreferrer noopener" target="_blank">Business T Shirt Club</a>, and <a href="https://wisebusinessplans.com/wise-net-30-account/" rel="noreferrer noopener" target="_blank">Wise Business Plan</a>.  </p> <p lang="EN-US" paraeid="{c988a65b-50b8-4e5c-87ba-d6c32bc86456}{52}" paraid="1053832332" xml:lang="EN-US">Besides meeting the 20-employee criteria, to be eligible you’ll also need to have been in business for at least one year and have an EIN and a DUNS number.   </p> <p lang="EN-US" paraeid="{c988a65b-50b8-4e5c-87ba-d6c32bc86456}{61}" paraid="1322747647" xml:lang="EN-US">Staples doesn’t directly specify the other information requested during an application, but it likely includes key financials like net income, capital gains, business fund info, and mutual fund shares.  </p> <p lang="EN-US" paraeid="{c988a65b-50b8-4e5c-87ba-d6c32bc86456}{75}" paraid="620702167" xml:lang="EN-US">In terms of the minimum purchase amount, Staples doesn’t state what that is either. However, most vendors have a minimum payment amount of around $50. As for the credit limit, it’s currently $1,000, which is more than what many other vendors offer.  </p> <p lang="EN-US" paraeid="{c988a65b-50b8-4e5c-87ba-d6c32bc86456}{89}" paraid="1252151628" xml:lang="EN-US">You can learn more about getting a Staples Business Advantage account and <a href="https://www.staplesadvantage.com/learn/staples-business-advantage-account-options" rel="noreferrer noopener" target="_blank">sign up here</a>.  </p> <h2 lang="EN-US" paraeid="{c988a65b-50b8-4e5c-87ba-d6c32bc86456}{103}" paraid="2087156878" xml:lang="EN-US">Tips for Building Business Credit with Your Staples Account </h2> <p lang="EN-US" paraeid="{c988a65b-50b8-4e5c-87ba-d6c32bc86456}{117}" paraid="1421366191" xml:lang="EN-US">Every business credit score operates differently. One of the most famous business credit scores is the D&B PAYDEX Score. It keeps track of your vendor accounts and their payment history. </p> <p lang="EN-US" paraeid="{c988a65b-50b8-4e5c-87ba-d6c32bc86456}{126}" paraid="1412445837" xml:lang="EN-US">The PAYDEX Score actually awards you for paying your account early. In fact, you can’t get a perfect PAYDEX Score without doing so! </p> <p lang="EN-US" paraeid="{c988a65b-50b8-4e5c-87ba-d6c32bc86456}{140}" paraid="1702081973" xml:lang="EN-US">So our advice is to pay your accounts early and often. The timeliness of your payments is a much bigger factor of your business credit scores than it is of your personal credit scores. In fact, sometimes as much as 60% of your business credit score is calculated by timeliness.  </p> <p lang="EN-US" paraeid="{c988a65b-50b8-4e5c-87ba-d6c32bc86456}{154}" paraid="746598605" xml:lang="EN-US">So make sure to pay early! </p> <p lang="EN-US" paraeid="{c988a65b-50b8-4e5c-87ba-d6c32bc86456}{168}" paraid="770422418" xml:lang="EN-US">The good news is that many vendors want to reward their customers for good payment activity. If you establish a track record of paying early, they’ll often allow you to purchase bigger amounts on terms or bigger lines of credit.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{c988a65b-50b8-4e5c-87ba-d6c32bc86456}{182}" paraid="1726501770" role="heading" xml:lang="EN-US">How to Use Your Net 30 Accounts  </h2> <p lang="EN-US" paraeid="{c988a65b-50b8-4e5c-87ba-d6c32bc86456}{191}" paraid="1463821043" xml:lang="EN-US">Once you have a net 30 account to pay for your office supplies, where do you go from there?  </p> <p lang="EN-US" paraeid="{c988a65b-50b8-4e5c-87ba-d6c32bc86456}{205}" paraid="1862735105" xml:lang="EN-US">If you’re just starting out in your business credit journey, you won’t be able to qualify for a Staples account. That’s why we listed the other office supply vendor accounts that are easier to qualify for.  </p> <p lang="EN-US" paraeid="{c988a65b-50b8-4e5c-87ba-d6c32bc86456}{214}" paraid="705348786" xml:lang="EN-US">To build your business credit, you need around ten business credit “experiences” to build good business credit scores and reports. From there, you can start applying for business credit cards and other financial tradelines that are more tier 2 or tier 3 level. </p> <p lang="EN-US" paraeid="{c988a65b-50b8-4e5c-87ba-d6c32bc86456}{228}" paraid="858002387" xml:lang="EN-US">Tier 2 and 3 opportunities include fuel cards, certain auto financing companies, and big company accounts, such as New Egg, Apple, John Deer, United Airlines, and even certain banks. You have to stair-step your business’s credit.  </p> <p lang="EN-US" paraeid="{c988a65b-50b8-4e5c-87ba-d6c32bc86456}{242}" paraid="322108278" xml:lang="EN-US">Each step unlocks better financing opportunities with bigger funding amounts, lower rates and more flexible terms.  </p> <p lang="EN-US" paraeid="{86a6497a-d317-4666-a014-e40579f8cc5a}{1}" paraid="1317159452" xml:lang="EN-US">Remember, the goal isn’t just to access more funding for your business, it’s to do so with less risk. You want to be able to qualify for financing that doesn’t require your personal credit to qualify, doesn’t report payments to your personal credit reports, and doesn’t require a personal guarantee on your assets.  </p> <p lang="EN-US" paraeid="{86a6497a-d317-4666-a014-e40579f8cc5a}{15}" paraid="1022533170" xml:lang="EN-US">That’s the power of business credit. </p> <p lang="EN-US" paraeid="{86a6497a-d317-4666-a014-e40579f8cc5a}{29}" paraid="992153810" xml:lang="EN-US">Building business credit can be difficult because it takes quite a bit of work, and you’ll have to incur costs that you otherwise wouldn’t. Trade credit is an essential part of financing your business’s operations because it’s the easiest way to get started.  </p> <p lang="EN-US" paraeid="{86a6497a-d317-4666-a014-e40579f8cc5a}{43}" paraid="1963113743" xml:lang="EN-US">Many vendors and suppliers that you do business with may not be reporting your payments to the credit bureaus. Most don’t, because they don’t want to incur the cost and the hassle. In the section below, we’ll explain how eCredable can help you build your business credit with those same vendors by reporting those payments for you.  </p> <h2 lang="EN-US" paraeid="{86a6497a-d317-4666-a014-e40579f8cc5a}{57}" paraid="1250155945" xml:lang="EN-US">Quickly Grow Your Business Credit Score with eCredable </h2> <p lang="EN-US" paraeid="{86a6497a-d317-4666-a014-e40579f8cc5a}{71}" paraid="236866239" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/net-30-accounts" rel="noreferrer noopener" target="_blank">Net 30 accounts</a> serve a dual purpose, as they offer flexible payment terms with financing and allow you to build business credit.  </p> <p lang="EN-US" paraeid="{86a6497a-d317-4666-a014-e40579f8cc5a}{85}" paraid="1408672748" xml:lang="EN-US">And while having flexible payment terms and extra cash flow is certainly appealing, it’s the business credit report boost that most small business owners are after.  </p> <p lang="EN-US" paraeid="{86a6497a-d317-4666-a014-e40579f8cc5a}{94}" paraid="1405758656" xml:lang="EN-US">One way to build business credit quickly without being limited to a net 30 account is by using a tool like eCredable. With eCredable, you can have business bills like electricity, water, internet, and gas reported to business credit bureaus.  </p> <p lang="EN-US" paraeid="{86a6497a-d317-4666-a014-e40579f8cc5a}{108}" paraid="360563069" xml:lang="EN-US">Once you sign up, eCredable will automatically attempt to report up to the last two years of your business bills for an instant bump to your business credit. In fact, most small business owners can raise their business credit score by as much as 40% within three months.  </p> <p lang="EN-US" paraeid="{86a6497a-d317-4666-a014-e40579f8cc5a}{122}" paraid="1353652431" xml:lang="EN-US">By doing so, you should be positioned for more attractive financing opportunities like a business credit card with favorable terms and low-interest payment business loans. </p> <p lang="EN-US" paraeid="{86a6497a-d317-4666-a014-e40579f8cc5a}{136}" paraid="1046049963" xml:lang="EN-US"><a href="https://business.ecredable.com/" rel="noreferrer noopener" target="_blank">Learn more about eCredable</a> and see how it can take your business credit to the next level.  </p> <p lang="EN-US" paraeid="{2a3bac6b-47d0-464a-ab20-66030d27f62f}{84}" paraid="6904102" xml:lang="EN-US"> </p> </body> <grammarly-desktop-integration data-grammarly-shadow-root="true"></grammarly-desktop-integration></html> 761Ohana Office Products Net 30 Reviewhttps://business.ecredable.com/resources/blog/postid/760/ohana-office-products-net-30Business Credit,Business Credit Vendors,Business TradelinesWed, 31 Jan 2024 18:52:00 GMT<html> <head> <title></title> </head> <body data-gr-ext-disabled="forever" data-gr-ext-installed="" data-new-gr-c-s-check-loaded="14.1152.0"> <h1 lang="EN-US" paraeid="{a4950127-2126-4ffe-94c8-f3019db0191a}{129}" paraid="1476671781" xml:lang="EN-US">Ohana Office Products Net 30 Review </h1> <p lang="EN-US" paraeid="{a4950127-2126-4ffe-94c8-f3019db0191a}{157}" paraid="2062507142" xml:lang="EN-US">Building credit as a new business owner is often challenging. Due to a lack of history, it'd be hard to qualify for a business loan or business credit card. However, vendor tradelines are often still available, even without previous trade credit. </p> <p lang="EN-US" paraeid="{a4950127-2126-4ffe-94c8-f3019db0191a}{164}" paraid="2020859593" xml:lang="EN-US">As a result, many business owners use them to establish their business credit foundation. If you’re interested in building business credit with the Ohana Office Products net 30 account, here’s what you need to know before you apply. </p> <h2 aria-level="2" lang="EN-US" paraeid="{a4950127-2126-4ffe-94c8-f3019db0191a}{171}" paraid="980283705" role="heading" xml:lang="EN-US">Our Ohana Office Products Net 30 Review </h2> <p lang="EN-US" paraeid="{a4950127-2126-4ffe-94c8-f3019db0191a}{178}" paraid="1851568809" xml:lang="EN-US">The Ohana Office Products net 30 account is a decent option if you’re looking to build out your credit report. If you can qualify, Ohana will report your credit line to one of the major credit bureaus. </p> <p lang="EN-US" paraeid="{a4950127-2126-4ffe-94c8-f3019db0191a}{185}" paraid="1890362961" xml:lang="EN-US">While Ohana doesn’t charge fees for access to its extended payment term, you must buy at least $90 of digital goods to activate your tradeline. Otherwise, it won’t show up in any of your credit reports. </p> <p lang="EN-US" paraeid="{a4950127-2126-4ffe-94c8-f3019db0191a}{192}" paraid="1572832054" xml:lang="EN-US">If you’re thinking of applying, here are the primary factors to consider: </p> <p lang="EN-US" paraeid="{a4950127-2126-4ffe-94c8-f3019db0191a}{199}" paraid="407500523" xml:lang="EN-US">      - <a href="#Reports to Equifax Business ">Reports to Equifax Business </a></p> <p lang="EN-US" paraeid="{a4950127-2126-4ffe-94c8-f3019db0191a}{218}" paraid="1043861317" xml:lang="EN-US">      - <a href="#$90 Minimum Order to Activate ">$90 Minimum Order to Activate </a></p> <p lang="EN-US" paraeid="{a4950127-2126-4ffe-94c8-f3019db0191a}{234}" paraid="1114589119" xml:lang="EN-US">      - <a href="#Buy Digital Products But Not Office Supplies">Buy Digital Products But Not Office Supplies </a></p> <h2 aria-level="2" lang="EN-US" paraeid="{a4950127-2126-4ffe-94c8-f3019db0191a}{250}" paraid="1719898384" role="heading" xml:lang="EN-US"><a id="Reports to Equifax Business " name="Reports to Equifax Business ">Reports to Equifax Business </a></h2> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{5}" paraid="2039189524" xml:lang="EN-US">A net 30 credit term can benefit your cash flow, but new business owners often open <a href="https://business.ecredable.com/resources/blog/net-30-accounts" rel="noreferrer noopener" target="_blank">net 30 accounts</a> for credit reporting purposes. In that case, you should target accounts with vendors who share your data with multiple business credit bureaus. </p> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{12}" paraid="257185710" xml:lang="EN-US">Otherwise, your activities won’t show in your credit reports, preventing them from helping your business credit score. Unfortunately, Ohana Office Products is only known to report to one, Equifax Business. </p> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{19}" paraid="1014593162" xml:lang="EN-US">As a result, you'll have to open additional tradelines to establish your business credit with Experian Business and Dun & Bradstreet (D&B). However, you'll need a few in each report to generate your scores, so you’ll have to apply for more anyway. </p> <h2 aria-level="2" lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{26}" paraid="1600698007" role="heading" xml:lang="EN-US"><a id="$90 Minimum Order to Activate " name="$90 Minimum Order to Activate ">$90 Minimum Order to Activate </a></h2> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{33}" paraid="631537641" xml:lang="EN-US">Opening multiple net 30 accounts is the traditional way to build business credit. However, it’s not without its drawbacks. Arguably, the most significant one is that it can be surprisingly expensive. </p> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{40}" paraid="82235498" xml:lang="EN-US">That's because vendors often charge you an application fee or a recurring charge to maintain access to your account, such as a monthly or annual membership fee. </p> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{47}" paraid="1519153699" xml:lang="EN-US">Ohana Office Products doesn’t impose either, but you must buy a minimum amount to activate your tradeline. Until you complete an order for at least $90, Ohana won’t report your account or activities to the business credit bureau. </p> <h2 aria-level="2" lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{54}" paraid="1335890537" role="heading" xml:lang="EN-US"><a id="Buy Digital Products But Not Office Supplies" name="Buy Digital Products But Not Office Supplies">Buy Digital Products But Not Office Supplies</a> </h2> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{61}" paraid="1194382603" xml:lang="EN-US">Due to their status as vendor tradelines, you can only use net 30 accounts to buy goods and services from the companies that provide them. In fact, you must do so repeatedly to establish a meaningful payment history with each issuer and build credit. </p> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{68}" paraid="885076654" xml:lang="EN-US">Typically, that means you want to apply for vendor credit accounts with companies that offer something you actually need for your business. Otherwise, you’ll waste funds on unnecessary goods or services just to build business credit. </p> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{75}" paraid="1961830352" xml:lang="EN-US">As you can probably guess, Ohana sells office products like pens, paper, and folders. However, it's a smaller catalog than <a href="https://business.ecredable.com/resources/blog/summa-office-supplies-net-30" rel="noreferrer noopener" target="_blank">Summa Office Supplies</a> or Coast Office Supply. You also can’t purchase these goods with net 30 terms. </p> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{82}" paraid="1409199419" xml:lang="EN-US">You can only use your net 30 payment terms to buy from Ohana’s catalog of digital products. That includes educational resources like books and courses, plus certain types of software like Webroot’s AntiVirus Protection. </p> <h2 aria-level="2" lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{89}" paraid="954862470" role="heading" xml:lang="EN-US">Ohana Office Products Net 30 Account Requirements </h2> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{96}" paraid="331448652" xml:lang="EN-US">If you’re interested in the Ohana Office Products net 30 account, visit the company’s website and register for a business account. After setting your user ID, email, and password, you’ll need to provide the following information: </p> <ul role="list"> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="4" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{103}" paraid="533281537" xml:lang="EN-US">Business name and address </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="5" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{115}" paraid="1241631665" xml:lang="EN-US">Legal entity structure </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="6" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{131}" paraid="1258879202" xml:lang="EN-US">Annual business revenue </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="7" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{147}" paraid="1861443013" xml:lang="EN-US">Business telephone </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="8" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{163}" paraid="2001048671" xml:lang="EN-US">Taxpayer ID number (EIN or SSN) </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="9" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{179}" paraid="1122634573" xml:lang="EN-US">Number of employees </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="10" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{195}" paraid="136488911" xml:lang="EN-US">Company industry </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="11" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{211}" paraid="1248297681" xml:lang="EN-US">Years in business </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="12" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{227}" paraid="444157168" xml:lang="EN-US">DUNS number </p> </li> </ul> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{243}" paraid="1419243305" xml:lang="EN-US">Next, finalize the process by providing your personal details as an authorized officer. Click submit, and your application will be complete. Ohana will then check your business credit, but it won't pull your personal credit. </p> <p lang="EN-US" paraeid="{e2cb4325-67b2-4ddd-a9bd-2ea1df323ef6}{253}" paraid="1979181602" xml:lang="EN-US">To qualify, you should aim to have no delinquencies or defaults in your business credit history. Having a few positive tradelines already will also help. In many cases, applicants receive a response instantly, though it can also take a few business days. </p> <p lang="EN-US" paraeid="{6bd6d4c5-cc7c-4065-88ad-f3b9368c0c9c}{5}" paraid="47670177" xml:lang="EN-US">Either way, getting approved doesn’t mean you’re finished yet. You must still purchase at least $90 digital products with your net 30 account before Ohana Office Products will report your tradeline to Equifax Business. </p> <h2 aria-level="2" lang="EN-US" paraeid="{6bd6d4c5-cc7c-4065-88ad-f3b9368c0c9c}{12}" paraid="770867146" role="heading" xml:lang="EN-US">Use eCredable to Build Business Credit </h2> <p lang="EN-US" paraeid="{6bd6d4c5-cc7c-4065-88ad-f3b9368c0c9c}{19}" paraid="473725338" xml:lang="EN-US">Building business credit with net 30 accounts is the traditional strategy for good reason. However, while it’s highly effective, it can take months, if not years. It also means spending a lot of money, often on goods that wouldn’t be necessary otherwise. </p> <p lang="EN-US" paraeid="{6bd6d4c5-cc7c-4065-88ad-f3b9368c0c9c}{26}" paraid="1539568202" xml:lang="EN-US">Fortunately, the eCredable Business Lift program offers a shortcut to good business credit. For just $19.95 per month, we can report unlimited bills for costs like rent and utilities to Equifax Business and Creditsafe. </p> <p lang="EN-US" paraeid="{6bd6d4c5-cc7c-4065-88ad-f3b9368c0c9c}{33}" paraid="1753961468" xml:lang="EN-US">In other words, we’ll transform your existing expense accounts into vendor tradelines! In addition to ongoing payments, that includes up to two years of payment history, which can boost your credit score virtually overnight. </p> <p lang="EN-US" paraeid="{6bd6d4c5-cc7c-4065-88ad-f3b9368c0c9c}{40}" paraid="32835414" xml:lang="EN-US">To top things off, we’ll also report your eCredable subscription to D&B and Experian Business. Using eCredable Business can <a href="https://business.ecredable.com/" rel="noreferrer noopener" target="_blank">increase your business credit</a> scores by up to 40% in the first three months! </p> <p lang="EN-US" paraeid="{6bd6d4c5-cc7c-4065-88ad-f3b9368c0c9c}{47}" paraid="501894127" xml:lang="EN-US"><a href="https://business.ecredable.com/join" rel="noreferrer noopener" target="_blank">Sign up for eCredable</a> today and take the shortcut to good business credit! </p> <p lang="EN-US" paraeid="{6bd6d4c5-cc7c-4065-88ad-f3b9368c0c9c}{54}" paraid="893758620" xml:lang="EN-US">Learn More: As a small business owner, you need multiple vendor tradelines in each credit report to establish your business credit score. If you’re looking for more, check out our reviews of some other popular net 30 vendor options: </p> <ul role="list"> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="13" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{6bd6d4c5-cc7c-4065-88ad-f3b9368c0c9c}{61}" paraid="1169091775" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/uline-net-30" rel="noreferrer noopener" target="_blank">Uline Net 30</a> Review </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="14" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{6bd6d4c5-cc7c-4065-88ad-f3b9368c0c9c}{73}" paraid="1669489245" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/quill-net-30" rel="noreferrer noopener" target="_blank">Quill Net 30</a> Review </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="15" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{6bd6d4c5-cc7c-4065-88ad-f3b9368c0c9c}{89}" paraid="2042999171" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/grainger-net-30" rel="noreferrer noopener" target="_blank">Grainger Net 30</a> Review </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="16" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{6bd6d4c5-cc7c-4065-88ad-f3b9368c0c9c}{105}" paraid="893938201" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/crown-office-supplies-net-30" rel="noreferrer noopener" target="_blank">Crown Office Supplies Net 30</a> Review </p> </li> </ul> <p lang="EN-US" paraeid="{a4950127-2126-4ffe-94c8-f3019db0191a}{123}" paraid="482278783" xml:lang="EN-US"> </p> <grammarly-desktop-integration data-grammarly-shadow-root="true"></grammarly-desktop-integration></body> </html> 760Office Depot Net 30 Reviewhttps://business.ecredable.com/resources/blog/postid/759/office-depot-net-30Business Credit,Business Credit Vendors,Business TradelinesWed, 31 Jan 2024 18:49:00 GMT<html> <head> <title></title> </head> <body data-gr-ext-disabled="forever" data-gr-ext-installed="" data-new-gr-c-s-check-loaded="14.1152.0"> <h1 lang="EN-US" paraeid="{94d0b4c1-cd39-4557-9904-6186e0edc5cf}{212}" paraid="64684364" xml:lang="EN-US">Office Depot Net 30 Review </h1> <p lang="EN-US" paraeid="{94d0b4c1-cd39-4557-9904-6186e0edc5cf}{240}" paraid="1659406574" xml:lang="EN-US">As a new business owner, it’s often hard to qualify for the credit accounts you want because you lack credit history. However, vendor tradelines are often still accessible, making them a smart way to start building business credit. </p> <p lang="EN-US" paraeid="{94d0b4c1-cd39-4557-9904-6186e0edc5cf}{247}" paraid="37964850" xml:lang="EN-US">If you’re considering using the Office Depot net 30 account for that purpose, here’s what you should know before you move forward. </p> <h2 aria-level="2" lang="EN-US" paraeid="{94d0b4c1-cd39-4557-9904-6186e0edc5cf}{254}" paraid="774026968" role="heading" xml:lang="EN-US">Our Office Depot Net 30 Review </h2> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{6}" paraid="980466173" xml:lang="EN-US">The Office Depot net 30 account, referred to as its Business Account, is a decent choice for those looking to build business credit. Office Depot reports the tradeline only to one major business credit bureau. </p> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{13}" paraid="2065938722" xml:lang="EN-US">However, there are no fees to apply for the account or any annual fee to maintain your access, and Office Depot sells products that are practical for any business that works out of an office. </p> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{20}" paraid="663791107" xml:lang="EN-US">If it sounds like it’s worth pursuing, here are the primary factors to consider before you apply: </p> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{27}" paraid="848914979" xml:lang="EN-US">      - <a href="#Reports to Dun & Bradstreet ">Reports to Dun & Bradstreet </a></p> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{46}" paraid="1770531763" xml:lang="EN-US">      - <a href="#No Application or Subscription Fees ">No Application or Subscription Fees </a></p> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{62}" paraid="1216275252" xml:lang="EN-US">      - <a href="#Buy Office Supplies and Equipment ">Buy Office Supplies and Equipment </a></p> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{78}" paraid="1156626071" xml:lang="EN-US">      - <a href="#Alternative Account Offers Improved Flexibility ">Alternative Account Offers Improved Flexibility </a></p> <h2 aria-level="2" lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{94}" paraid="1874049113" role="heading" xml:lang="EN-US"><a id="Reports to Dun & Bradstreet " name="Reports to Dun & Bradstreet ">Reports to Dun & Bradstreet </a></h2> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{104}" paraid="2067600537" xml:lang="EN-US">Vendor tradelines like <a href="https://business.ecredable.com/resources/blog/net-30-accounts" rel="noreferrer noopener" target="_blank">net 30 accounts</a> can help your cash flow, but most new business owners open them primarily to build business credit. In that scenario, it’s best to open accounts that report to as many business credit bureaus as possible. </p> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{111}" paraid="984348569" xml:lang="EN-US">Office Depot only reports to one: Dun & Bradstreet (D&B). That limits its credit-building effects, but it may still be worth adding to your credit mix. D&B is arguably the most popular business credit bureau, so you want its credit report to be as robust as possible. </p> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{118}" paraid="1991999433" xml:lang="EN-US">However, if you have limited resources, you may be better off prioritizing accounts that report to more of the business credit bureaus. For example, the <a href="https://business.ecredable.com/resources/blog/crown-office-supplies-net-30" rel="noreferrer noopener" target="_blank">Crown Office Supplies net 30</a> account reports to Equifax Business, Experian Business, and D&B. </p> <h2 aria-level="2" lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{125}" paraid="2049459687" role="heading" xml:lang="EN-US"><a id="No Application or Subscription Fees " name="No Application or Subscription Fees ">No Application or Subscription Fees </a></h2> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{132}" paraid="1577622163" xml:lang="EN-US">Establishing your business credit with net 30 vendor tradelines is an effective strategy, but it’s also often expensive. Many accounts charge application or subscription fees, which can add up since you need multiple to establish your credit score. </p> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{139}" paraid="1114547048" xml:lang="EN-US">For example, the <a href="https://business.ecredable.com/resources/blog/quill-net-30" rel="noreferrer noopener" target="_blank">Quill net 30 account</a> requires that you pay a $99 application fee and complete an order of at least $100 before you can submit an application. </p> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{146}" paraid="249572079" xml:lang="EN-US">Fortunately, the Office Depot net 30 account doesn’t subject you to those costs. You don’t have to pay any charges or buy anything when you submit your application, and there are no annual fees either. </p> <h2 aria-level="2" lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{153}" paraid="1780695340" role="heading" xml:lang="EN-US"><a id="Buy Office Supplies and Equipment " name="Buy Office Supplies and Equipment ">Buy Office Supplies and Equipment </a></h2> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{160}" paraid="1890199067" xml:lang="EN-US">To build credit with any net 30 account, you must make regular purchases with the credit line. However, net 30 accounts are store-specific payment arrangements, so you can only use them with the issuing vendor. </p> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{167}" paraid="340343804" xml:lang="EN-US">Because of those requirements, it’s best to get net 30 terms with vendors that offer something you actually need for your business. Otherwise, you’ll run up a monthly bill buying products that don’t benefit you to build credit. </p> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{174}" paraid="2012352942" xml:lang="EN-US">Fortunately, Office Depot’s catalog has something practical for most businesses, as it sells office supplies, furniture, and technology. You can use your Office Depot net 30 account to get a new desk and chair or restock on printer ink and coffee cups. </p> <h2 aria-level="2" lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{181}" paraid="1958338256" role="heading" xml:lang="EN-US"><a id="Alternative Account Offers Improved Flexibility " name="Alternative Account Offers Improved Flexibility ">Alternative Account Offers Improved Flexibility </a></h2> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{188}" paraid="1543534095" xml:lang="EN-US">In addition to its Business Account, Office Depot also offers what it calls its Business Credit Account. It’s a similar vendor tradeline but offers more flexible payment terms and a potential one-time discount. </p> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{195}" paraid="42802912" xml:lang="EN-US">Instead of requiring net 30 terms, it lets you pay off your balances over time by making minimum payments, like a business credit card. However, you will accrue interest charges on your outstanding balances. </p> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{202}" paraid="903023674" xml:lang="EN-US">As for the discount, you can earn a credit of up to $50 when you make a purchase worth $150 or more within the first 60 days. </p> <h2 aria-level="2" lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{209}" paraid="139289178" role="heading" xml:lang="EN-US">Office Depot Net 30 Account Requirements </h2> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{216}" paraid="596262574" xml:lang="EN-US">If you’ve decided to apply for the Office Depot net 30 account, visit the company’s online credit center and click Apply Now for the Business Account. That will take you to the digital application, which will ask for business and personal information like: </p> <ul role="list"> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="5" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{223}" paraid="1481100645" xml:lang="EN-US">Business name and email address </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="6" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{235}" paraid="949261987" xml:lang="EN-US">Organization type and legal entity structure </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="7" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{f9ae4390-8d6d-4851-a5ca-66532f52d97e}{251}" paraid="1762387845" xml:lang="EN-US">Taxpayer ID, time in business, and annual revenue </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="8" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{12}" paraid="66505398" xml:lang="EN-US">Estimated monthly card spend and number of employees </p> </li> </ul> <p lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{28}" paraid="222839492" xml:lang="EN-US">You’ll also have the option to apply with or without signing a personal guarantee. Doing so could improve your chances, especially if you’re a new small business owner. However, your personal assets will be vulnerable if you default on the account. </p> <p lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{38}" paraid="426153645" xml:lang="EN-US">Keep in mind, the Office Depot net 30 account is generally considered a <a href="https://business.ecredable.com/resources/blog/tier-2-business-credit-vendors1" rel="noreferrer noopener" target="_blank">tier two vendor tradeline</a>. As a result, you should aim to have some positive trade credit before you request an account. </p> <p lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{45}" paraid="895889482" xml:lang="EN-US">Once you click submit, Office Depot will check your business credit to determine your eligibility. It may also pull your Fair Isaac Corporation (FICO) credit score if you sign a personal guarantee. </p> <h2 aria-level="2" lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{52}" paraid="966647536" role="heading" xml:lang="EN-US">Other Business Credit Vendors In the Office Supplies Space </h2> <p lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{59}" paraid="581979403" xml:lang="EN-US">For some reason, net 30 payment terms have become standard in the office supplies industry. Many of these companies want to lure your business with the promise to report your payments to the business credit bureaus. </p> <p lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{66}" paraid="43591106" xml:lang="EN-US">Here are some of the other companies with net 30 accounts that we reviewed in this space, and the business credit bureaus they report to: </p> <ul role="list"> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="9" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{73}" paraid="1112976125" xml:lang="EN-US">Crown Office Supplies - D&B, Experian Business, and Equifax Business </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="10" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{85}" paraid="577116056" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/quill-net-30" rel="noreferrer noopener" target="_blank">Quill</a> - D&B </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="11" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{101}" paraid="353696830" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/grainger-net-30" rel="noreferrer noopener" target="_blank">Grainger</a> - D&B </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="12" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{117}" paraid="487820853" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/uline-net-30" rel="noreferrer noopener" target="_blank">Uline</a> - D&B and Experian Business </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="13" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{133}" paraid="1017807047" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/business-t-shirt-club-net-30" rel="noreferrer noopener" target="_blank">Business T-Shirt Club</a> (now rebranded to Branded Apparel Club) - Equifax Business, Creditsafe </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="14" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{149}" paraid="1041103825" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/summa-office-supplies-net-30" rel="noreferrer noopener" target="_blank">Summa Office Supplies</a> - Tier 1 accounts report to Equifax Business. Tier 2 accounts report to D&B.  </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="15" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{165}" paraid="29283148" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/ohana-office-products-net-30">Ohana Office Products</a> - Equifax Business </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="16" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{181}" paraid="462513386" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/staples-net-30">Staples</a> - D&B </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="17" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{197}" paraid="196213019" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/supplyworks-net-30">Supplyworks</a> - Unknown </p> </li> </ul> <p lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{213}" paraid="450214517" xml:lang="EN-US">Some of these vendors offer many products beyond office supplies, including industrial supplies, swag, shipping materials, and more. </p> <p lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{223}" paraid="1552713752" xml:lang="EN-US">The key to leverage smart financing for your business is to think of what you’re already buying and see if you can get payment terms for those things. </p> <p lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{230}" paraid="357383384" xml:lang="EN-US">Vendor credit works best when you can extend the terms beyond 30 days. Sometimes you can get net 60 or net 90 after you build a relationship with a company. </p> <h2 aria-level="2" lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{237}" paraid="1156460319" role="heading" xml:lang="EN-US">Businesses That Trade Credit Can Benefit </h2> <p lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{244}" paraid="1543028905" xml:lang="EN-US">Certain industries don’t need credit for their day-to-day operations, but others need it like lifeblood. If you’re in one of these industries, trade credit could be immensely helpful in smoothing out your cash flow: </p> <ul role="list"> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="18" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{bccf04a1-f725-44cc-bf83-ee4d38630ccb}{251}" paraid="1786670435" xml:lang="EN-US">eCommerce and retail </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="19" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{52a068cc-bd83-49a9-b8f2-914e87c97ef4}{8}" paraid="265923029" xml:lang="EN-US">Construction and real estate </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="20" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{52a068cc-bd83-49a9-b8f2-914e87c97ef4}{24}" paraid="1765847217" xml:lang="EN-US">Manufacturers </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="21" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{52a068cc-bd83-49a9-b8f2-914e87c97ef4}{40}" paraid="1735725245" xml:lang="EN-US">Plumbing </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="22" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{52a068cc-bd83-49a9-b8f2-914e87c97ef4}{56}" paraid="1748199327" xml:lang="EN-US">Trucking </p> </li> </ul> <p lang="EN-US" paraeid="{52a068cc-bd83-49a9-b8f2-914e87c97ef4}{72}" paraid="1965612150" xml:lang="EN-US">If you’re in retail or ecommerce, you’re selling widgets to the public. The cash flow pattern of these companies can be brutal because you have to buy the product (or the constituent parts) before anything gets sold.  </p> <p lang="EN-US" paraeid="{52a068cc-bd83-49a9-b8f2-914e87c97ef4}{82}" paraid="1442447223" xml:lang="EN-US">What if you could purchase them on terms? Then you could sell a good portion of your inventory before you have to make the purchase, bringing upfront your products costs to nothing. (Ideally.) </p> <p lang="EN-US" paraeid="{52a068cc-bd83-49a9-b8f2-914e87c97ef4}{89}" paraid="1362593754" xml:lang="EN-US">While you’re probably not reselling office supply products, since these are costs that you have to take on anyway, it’s a good opportunity to build your business credit.  </p> <p lang="EN-US" paraeid="{52a068cc-bd83-49a9-b8f2-914e87c97ef4}{96}" paraid="356349103" xml:lang="EN-US">Your goal should be to get your business credit good enough to qualify for bank lines of credit and term loans that don’t require personal guarantees. Even many vendor accounts require some level of business credit to qualify.  </p> <p lang="EN-US" paraeid="{52a068cc-bd83-49a9-b8f2-914e87c97ef4}{103}" paraid="950990928" xml:lang="EN-US">That’s why we put together lists of vendor accounts according to their tiers, so that you can stair step your way up to better and better financing as you go. You start with easy <a href="https://business.ecredable.com/resources/blog/tier-1-business-credit-vendors2" rel="noreferrer noopener" target="_blank">tier 1 business credit vendors</a>, then work up to <a href="https://business.ecredable.com/resources/blog/tier-2-business-credit-vendors1" rel="noreferrer noopener" target="_blank">tier 2</a> and <a href="https://business.ecredable.com/resources/blog/tier-3-business-credit-vendors2" rel="noreferrer noopener" target="_blank">tier 3</a>. Once you get past tier 3, your credit is good enough to get you the best interest rates and financing terms that are available to your business.   </p> <h2 aria-level="2" lang="EN-US" paraeid="{52a068cc-bd83-49a9-b8f2-914e87c97ef4}{110}" paraid="1511063111" role="heading" xml:lang="EN-US">Use eCredable to Build Business Credit </h2> <p lang="EN-US" paraeid="{52a068cc-bd83-49a9-b8f2-914e87c97ef4}{117}" paraid="244144399" xml:lang="EN-US">Opening net 30 accounts is the traditional method of establishing business credit as a new business owner. However, it’s not necessarily the most efficient. Not only will it take months, if not years, but you’ll also probably incur significant expenses. </p> <p lang="EN-US" paraeid="{52a068cc-bd83-49a9-b8f2-914e87c97ef4}{124}" paraid="582097366" xml:lang="EN-US">However, the eCredable Business Lift program can help you establish a good credit score much faster by transforming your existing expenses into vendor tradelines. Since it doesn’t require you to buy any additional products, it’s also much more affordable. </p> <p lang="EN-US" paraeid="{52a068cc-bd83-49a9-b8f2-914e87c97ef4}{131}" paraid="17574471" xml:lang="EN-US">For just $19.95 per month, we’ll report an unlimited number of your accounts to Equifax Business and Creditsafe. In addition to ongoing costs, that includes up to 24 months of payment history! </p> <p lang="EN-US" paraeid="{52a068cc-bd83-49a9-b8f2-914e87c97ef4}{138}" paraid="513973912" xml:lang="EN-US">That’s one of the only ways to instantly establish years of credit overnight and rapidly improve your business credit score. <a href="https://business.ecredable.com/join" rel="noreferrer noopener" target="_blank">Sign up for eCredable</a> today and take the shortcut to good business credit! </p> <p lang="EN-US" paraeid="{52a068cc-bd83-49a9-b8f2-914e87c97ef4}{145}" paraid="1128569881" xml:lang="EN-US">Learn More: You need more than one net 30 account in each credit report to establish your business credit score. If you’re looking for more to apply for, check out our reviews of some other popular options: </p> <ul role="list"> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="23" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{52a068cc-bd83-49a9-b8f2-914e87c97ef4}{152}" paraid="1302332993" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/uline-net-30" rel="noreferrer noopener" target="_blank">Uline Net 30</a> Review </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="24" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{52a068cc-bd83-49a9-b8f2-914e87c97ef4}{164}" paraid="345159174" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/grainger-net-30" rel="noreferrer noopener" target="_blank">Grainger Net 30</a> Review </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="25" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{52a068cc-bd83-49a9-b8f2-914e87c97ef4}{180}" paraid="214722160" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/summa-office-supplies-net-30" rel="noreferrer noopener" target="_blank">Summa Office Supplies Net 30</a> Review </p> </li> </ul> <p lang="EN-US" paraeid="{94d0b4c1-cd39-4557-9904-6186e0edc5cf}{206}" paraid="1354837796" xml:lang="EN-US"> </p> <grammarly-desktop-integration data-grammarly-shadow-root="true"></grammarly-desktop-integration></body> </html> 759Newegg Net 30 Reviewhttps://business.ecredable.com/resources/blog/postid/758/newegg-net-30Business Credit,Business Credit Vendors,Business TradelinesWed, 31 Jan 2024 18:46:18 GMT<html> <head> <title></title> </head> <body data-gr-ext-installed="" data-new-gr-c-s-check-loaded="14.1152.0"> <h1 lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{1}" paraid="1054321599" xml:lang="EN-US">Newegg Net 30 Review </h1> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{29}" paraid="1852742351" xml:lang="EN-US">Signing up for multiple net 30 accounts is the traditional way to establish your business credit. Since most are tier 1 or tier 2 vendor tradelines, even a relatively new small business owner can qualify. </p> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{36}" paraid="2099800928" xml:lang="EN-US">However, there are significant differences between <a href="https://business.ecredable.com/resources/blog/net-30-accounts" rel="noreferrer noopener" target="_blank">net 30 accounts</a>, and they won’t all be right for you. This review of the Newegg net 30 account will help you determine whether the tradeline is worth adding to your credit mix. </p> <h2 aria-level="2" lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{43}" paraid="2136306377" role="heading" xml:lang="EN-US">Our Newegg Net 30 Review </h2> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{50}" paraid="402638427" xml:lang="EN-US">Newegg is a good net 30 option if you're looking to establish your business credit score. It reports to two of the three major business credit bureaus, and there are no fees to apply for or maintain the account. </p> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{57}" paraid="1417122391" xml:lang="EN-US">In addition, Newegg offers a diverse mix of products that are perfect for office-based businesses. You can use your extended payment term to buy everything from electronic equipment and software to cleaning supplies. </p> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{64}" paraid="333867825" xml:lang="EN-US">If you’re thinking about requesting an account, here are the primary factors to consider: </p> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{71}" paraid="1612941937" xml:lang="EN-US">      - <a href="#Reports to Equifax Business and D&B ">Reports to Equifax Business and D&B </a></p> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{90}" paraid="1003239741" xml:lang="EN-US">      - <a href="#No Mandatory Application or Subscription Fees ">No Mandatory Application or Subscription Fees </a></p> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{106}" paraid="1845120337" xml:lang="EN-US">      - <a href="#Buys Office Equipment, Electronics, and Software ">Buys Office Equipment, Electronics, and Software </a></p> <h2 aria-level="2" lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{122}" paraid="797375265" role="heading" xml:lang="EN-US"><a id="Reports to Equifax Business and D&B " name="Reports to Equifax Business and D&B ">Reports to Equifax Business and D&B </a></h2> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{132}" paraid="1181652345" xml:lang="EN-US">Which business credit bureaus a net 30 account reports to is arguably the most significant factor to consider when you’re trying to build credit. After all, creditors will never know about your activities if your account issuers don't report them. </p> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{139}" paraid="2089990138" xml:lang="EN-US">Newegg reports to two of the major business credit bureaus, Equifax Business and Dun & Bradstreet (D&B). As a result, you’ll need additional tradelines to build credit with Experian Business, the third major business credit bureau. </p> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{146}" paraid="1737608215" xml:lang="EN-US">However, that’s not a significant criticism. Relatively few net 30 accounts report to all three. Plus, you'll need several vendor tradelines with each credit bureau to lay a meaningful credit foundation, so you’ll have to apply for more anyway. </p> <h2 aria-level="2" lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{153}" paraid="85891715" role="heading" xml:lang="EN-US"><a id="No Mandatory Application or Subscription Fees " name="No Mandatory Application or Subscription Fees ">No Mandatory Application or Subscription Fees </a></h2> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{160}" paraid="1669550332" xml:lang="EN-US">One of the downsides to building business credit with net 30 accounts is that it can be surprisingly expensive. Many issuers charge fees to apply for or maintain access to your account, which adds up. </p> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{167}" paraid="1340496709" xml:lang="EN-US">For example, you’ll incur a $99 application fee when you request a <a href="https://business.ecredable.com/resources/blog/quill-net-30" rel="noreferrer noopener" target="_blank">Quill net 30</a> account. The vendor also requires that you submit an order for at least $100 worth of goods before you even have the option to apply. </p> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{174}" paraid="1509512794" xml:lang="EN-US">Fortunately, that's not the case with Newegg. No fees and no minimum order are required to submit an application. You can also retain the account indefinitely with no recurring membership fee. However, Newegg may charge you for late payments. </p> <h2 aria-level="2" lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{181}" paraid="448031689" role="heading" xml:lang="EN-US"><a id="Buys Office Equipment, Electronics, and Software " name="Buys Office Equipment, Electronics, and Software ">Buys Office Equipment, Electronics, and Software </a></h2> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{188}" paraid="2066124228" xml:lang="EN-US">Another significant factor to consider when analyzing an account is what the net 30 vendor offers. After all, net 30 accounts are store-specific credit lines, and you must use them regularly to build business credit. </p> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{195}" paraid="145497764" xml:lang="EN-US">As a result, it’s best to open accounts with companies that offer something you already want. Otherwise, you’ll waste money buying something unnecessary to exercise your net 30 payment terms and establish a payment history. </p> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{202}" paraid="916715093" xml:lang="EN-US">Newegg sells technology, computer software, and business supplies, making it perfect for office-based operations.  </p> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{209}" paraid="1100064243" xml:lang="EN-US">There's also enough variety to make it relevant at every stage of your business. You could furnish your new office with a desk or restock on sticky notes. </p> <h2 aria-level="2" lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{216}" paraid="2107727203" role="heading" xml:lang="EN-US">How To Qualify for a Newegg Net 30 Account </h2> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{223}" paraid="687275360" xml:lang="EN-US">If you’d like to add Newegg's net 30 terms to your mix of credit accounts, you can submit an application online. However, you need a Newegg business account first. </p> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{230}" paraid="773206290" xml:lang="EN-US">Surprisingly, getting one isn't as easy as setting up a username and password. You’ll actually need to provide information about your company, including the following: </p> <ul role="list"> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="4" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="3" role="listitem"> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{237}" paraid="695769781" xml:lang="EN-US">Registered business name </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="5" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="3" role="listitem"> <p lang="EN-US" paraeid="{2f5a2c3f-820e-485f-95e8-80655dbfc382}{249}" paraid="217563522" xml:lang="EN-US">Industry group and industry </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="6" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="3" role="listitem"> <p lang="EN-US" paraeid="{18ed229e-0ae8-40af-a77c-e0a4486f2972}{10}" paraid="1503090330" xml:lang="EN-US">Number of employees </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="7" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="3" role="listitem"> <p lang="EN-US" paraeid="{18ed229e-0ae8-40af-a77c-e0a4486f2972}{26}" paraid="1323711913" xml:lang="EN-US">Federal tax ID and DUNS number </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="8" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="3" role="listitem"> <p lang="EN-US" paraeid="{18ed229e-0ae8-40af-a77c-e0a4486f2972}{42}" paraid="185321071" xml:lang="EN-US">Registered business address </p> </li> </ul> <p lang="EN-US" paraeid="{18ed229e-0ae8-40af-a77c-e0a4486f2972}{58}" paraid="576643713" xml:lang="EN-US">Newegg will respond to your account request in a day or two. Only once they approve your business account will you be able to apply for net 30 terms. From the Newegg site, click My Account and select Net Term under Options. </p> <p lang="EN-US" paraeid="{18ed229e-0ae8-40af-a77c-e0a4486f2972}{68}" paraid="406831024" xml:lang="EN-US">That will take you to the application for the net 30 payment option. It asks for some of the same information as the account request form, including your business name, address, and DUNS number. </p> <p lang="EN-US" paraeid="{18ed229e-0ae8-40af-a77c-e0a4486f2972}{75}" paraid="1720698601" xml:lang="EN-US">It will also ask you to provide your desired credit limit, bank references, and trade references. Asking for a modest credit limit may improve your chances of qualifying, as would providing multiple positive references. </p> <p lang="EN-US" paraeid="{18ed229e-0ae8-40af-a77c-e0a4486f2972}{82}" paraid="1888265079" xml:lang="EN-US">Newegg will need five to ten business days to process your net 30 application. To clarify, that’s separate from when you waited for them to process your business account request. </p> <p lang="EN-US" paraeid="{18ed229e-0ae8-40af-a77c-e0a4486f2972}{89}" paraid="2130111748" xml:lang="EN-US">They may check your business credit during this period, but they won't look at your personal credit. Afterward, eligible businesses will gain access to extended financing with a 30-day credit term for Newegg purchases. </p> <h2 aria-level="2" lang="EN-US" paraeid="{18ed229e-0ae8-40af-a77c-e0a4486f2972}{96}" paraid="86262769" role="heading" xml:lang="EN-US">Use eCredable to Build Business Credit </h2> <p lang="EN-US" paraeid="{18ed229e-0ae8-40af-a77c-e0a4486f2972}{103}" paraid="1113927143" xml:lang="EN-US">Opening net 30 accounts is the traditional way to build business credit because they’re easier for a new business owner to get than a business credit card or a business loan. However, it’s not always the most cost-efficient strategy. </p> <p lang="EN-US" paraeid="{18ed229e-0ae8-40af-a77c-e0a4486f2972}{110}" paraid="1053966715" xml:lang="EN-US">Not only do you have to make regular purchases on each account, often for goods you don’t need, but you’ll also likely incur application or membership fees. When you have half a dozen accounts, that can really affect your cash flow. </p> <p lang="EN-US" paraeid="{18ed229e-0ae8-40af-a77c-e0a4486f2972}{117}" paraid="751555785" xml:lang="EN-US">In addition, opening net 30 accounts is often highly time-consuming. You have to fill out detailed applications and wait through long processing periods. Once you work up to higher-tier vendors, your requests may also get denied. </p> <p lang="EN-US" paraeid="{18ed229e-0ae8-40af-a77c-e0a4486f2972}{124}" paraid="920867601" xml:lang="EN-US">Fortunately, our Business Lift program offers a much more efficient way to build trade credit. For just $19.95 per month, we’ll report an unlimited number of your recurring expenses to Equifax Business and Creditsafe. </p> <p lang="EN-US" paraeid="{18ed229e-0ae8-40af-a77c-e0a4486f2972}{131}" paraid="133291904" xml:lang="EN-US">Not only will we share your current monthly payments, but we’ll also report up to 24 months of historical activity! That can help you establish years of credit history overnight, which is one of the only ways to improve your business credit scores quickly. </p> <p lang="EN-US" paraeid="{18ed229e-0ae8-40af-a77c-e0a4486f2972}{138}" paraid="103515962" xml:lang="EN-US"><a href="https://business.ecredable.com/join" rel="noreferrer noopener" target="_blank">Sign up for eCredable</a> today and take the shortcut to good business credit! </p> <p lang="EN-US" paraeid="{18ed229e-0ae8-40af-a77c-e0a4486f2972}{145}" paraid="1293322161" xml:lang="EN-US">Learn More: You need multiple net 30 accounts in each credit report to establish your business credit score the traditional way. If you’re looking for more, check out our reviews of some other popular options: </p> <ul role="list"> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="9" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="3" role="listitem"> <p lang="EN-US" paraeid="{18ed229e-0ae8-40af-a77c-e0a4486f2972}{152}" paraid="283732961" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/uline-net-30" rel="noreferrer noopener" target="_blank">Uline Net 30</a> Review </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="10" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="3" role="listitem"> <p lang="EN-US" paraeid="{18ed229e-0ae8-40af-a77c-e0a4486f2972}{164}" paraid="1088348753" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/grainger-net-30" rel="noreferrer noopener" target="_blank">Grainger Net 30</a> Review </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="11" data-font="Symbol" data-leveltext="" data-list-defn-props="{"335552541":1,"335559683":0,"335559684":-2,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-listid="3" role="listitem"> <p lang="EN-US" paraeid="{18ed229e-0ae8-40af-a77c-e0a4486f2972}{180}" paraid="1032200379" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/crown-office-supplies-net-30" rel="noreferrer noopener" target="_blank">Crown Office Supplies Net 30</a> Review </p> </li> </ul> <p lang="EN-US" paraeid="{e4ea686d-4600-47e8-81b6-2b01a8f7f87d}{250}" paraid="1461667106" xml:lang="EN-US"> </p> </body> <grammarly-desktop-integration data-grammarly-shadow-root="true"></grammarly-desktop-integration></html> 758Lowes Net 30 Reviewhttps://business.ecredable.com/resources/blog/postid/757/lowes-net-30Business Credit,Business Credit Vendors,Business TradelinesWed, 31 Jan 2024 18:40:00 GMT<html> <head> <title></title> </head> <body data-gr-ext-disabled="forever" data-gr-ext-installed="" data-new-gr-c-s-check-loaded="14.1162.0"> <h1 aria-level="1" lang="EN-US" paraeid="{26a08175-a5dd-4ed2-ac48-23a310d26ac8}{206}" paraid="968140276" role="heading" xml:lang="EN-US">Lowes Net 30 Review </h1> <p lang="EN-US" paraeid="{26a08175-a5dd-4ed2-ac48-23a310d26ac8}{215}" paraid="1567853485" xml:lang="EN-US">New small business owners generally don’t have enough credit history to qualify for financial tradelines. However, they can often secure low-tier vendor tradelines like net 30 accounts and work up to more challenging and rewarding arrangements. </p> <p lang="EN-US" paraeid="{26a08175-a5dd-4ed2-ac48-23a310d26ac8}{224}" paraid="1604640810" xml:lang="EN-US">If you’re considering using the Lowes net 30 account to help accomplish this, here’s what you should know about the tradeline. </p> <h2 aria-level="2" lang="EN-US" paraeid="{26a08175-a5dd-4ed2-ac48-23a310d26ac8}{233}" paraid="2125276647" role="heading" xml:lang="EN-US">Our Lowes Net 30 Review </h2> <p lang="EN-US" paraeid="{26a08175-a5dd-4ed2-ac48-23a310d26ac8}{242}" paraid="466917007" xml:lang="EN-US">The Lowes net 30 account, also known as its Commercial Account, is a good option for new small business owners looking to lay a foundation for their business credit. It reports to two business credit bureaus. </p> <p lang="EN-US" paraeid="{26a08175-a5dd-4ed2-ac48-23a310d26ac8}{251}" paraid="608029310" xml:lang="EN-US">In addition, it actually gives you 60 days to repay your balances, not 30. There are also no fees to apply for or maintain the account, and you’ll receive a small discount on purchases in store and online. </p> <p lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{5}" paraid="1348347475" xml:lang="EN-US">If you’re interested in applying, here are the main points you should consider: </p> <p lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{14}" paraid="1435712746" xml:lang="EN-US">      - <a href="#Reports to Experian Business and D&B ">Reports to Experian Business and D&B</a> </p> <p lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{35}" paraid="1073415679" xml:lang="EN-US">      - <a href="#Repayment Term is Actually Net 60 ">Repayment Term is Actually Net 60 </a></p> <p lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{53}" paraid="1172700090" xml:lang="EN-US">      - <a href="#No Mandatory Application or Subscription Fees ">No Mandatory Application or Subscription Fees </a></p> <p lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{71}" paraid="437120370" xml:lang="EN-US">      - <a href="#Buy Home Improvement Products at a Discount ">Buy Home Improvement Products at a Discount </a></p> <h2 aria-level="2" lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{89}" paraid="1991496090" role="heading" xml:lang="EN-US"><a id="Reports to Experian Business and D&B " name="Reports to Experian Business and D&B ">Reports to Experian Business and D&B </a></h2> <p lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{101}" paraid="1999566829" xml:lang="EN-US">Many business owners open <a href="https://business.ecredable.com/resources/blog/net-30-accounts" rel="noreferrer noopener" target="_blank">net 30 accounts</a> primarily to build business credit. If that’s your goal, you should pursue financing arrangements with vendors who report to as many of the three major business credit bureaus as possible. </p> <p lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{110}" paraid="389013164" xml:lang="EN-US">Fortunately, Lowes reports to two of them: Experian Business and Dun & Bradstreet (D&B). It also shares data with the Small Business Finance Exchange, which isn’t a major business credit bureau but can still be beneficial. </p> <h2 aria-level="2" lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{119}" paraid="221599355" role="heading" xml:lang="EN-US"><a id="Repayment Term is Actually Net 60 " name="Repayment Term is Actually Net 60 ">Repayment Term is Actually Net 60 </a></h2> <p lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{128}" paraid="92568654" xml:lang="EN-US">Though it was previously referred to and popularized as a net 30 account, the Lowes Commercial Account actually gives customers two 30 day billing cycles to pay off each invoice. That works out to net 60 payment terms. </p> <p lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{137}" paraid="658044367" xml:lang="EN-US">That may not be the most significant consideration if your primary goal is to build business credit. However, it can help your monthly cash flow if you’re regularly buying products from Lowes that you actually need for your operation. </p> <h2 aria-level="2" lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{146}" paraid="946974462" role="heading" xml:lang="EN-US"><a id="No Mandatory Application or Subscription Fees " name="No Mandatory Application or Subscription Fees ">No Mandatory Application or Subscription Fees </a></h2> <p lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{155}" paraid="1900436201" xml:lang="EN-US">Net 30 accounts are an effective way to build business credit, but they’re not always the most cost-efficient. Many charge you for the right to apply for or maintain access to your credit line. </p> <p lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{164}" paraid="300026010" xml:lang="EN-US">For example, you must pay a $99 application fee and submit an order for at least $100 worth of goods to apply for the <a href="https://business.ecredable.com/resources/blog/quill-net-30" rel="noreferrer noopener" target="_blank">Quill net 30</a> account. As you can imagine, these costs can quickly become significant. </p> <p lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{173}" paraid="1407322596" xml:lang="EN-US">Fortunately, Lowes doesn’t impose any mandatory fees. It doesn’t cost anything to apply for an account, and you can hold onto the tradeline indefinitely without paying a recurring membership fee. </p> <p lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{182}" paraid="1134776112" xml:lang="EN-US">However, Lowes will charge you $20 for any returned payments. You’ll also start to accrue interest charges at 18% APR if you don’t pay off your balances by the due date. </p> <h2 aria-level="2" lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{191}" paraid="582839971" role="heading" xml:lang="EN-US"><a id="Buy Home Improvement Products at a Discount " name="Buy Home Improvement Products at a Discount ">Buy Home Improvement Products at a Discount </a></h2> <p lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{200}" paraid="445654039" xml:lang="EN-US">Unfortunately, you can only use net 30 accounts to purchase from the vendors who issue them. And since you must use them regularly to build business credit, it’s best to apply for ones with companies that sell something your business actually needs. </p> <p lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{209}" paraid="766827664" xml:lang="EN-US">While Lowes primarily sells home improvement products, it has enough diversity in its catalog to make it an attractive option for a wide range of businesses. For example, it sells cleaning supplies, electric equipment, and even office furniture. </p> <p lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{218}" paraid="258924527" xml:lang="EN-US">In addition, Lowes will reward you with a 5% discount on each eligible purchase you make with the Commercial Account, whether you do it online or in store. </p> <h2 aria-level="2" lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{227}" paraid="933352142" role="heading" xml:lang="EN-US">Lowes Net 30 Account Requirements </h2> <p lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{236}" paraid="588467394" xml:lang="EN-US">If you want to add the Lowes net 30 account to your credit mix, visit the Lowes business credit card center. From there, you'll see a breakdown of all the Lowes business credit cards, each of which American Express facilitates. </p> <p lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{245}" paraid="38955833" xml:lang="EN-US">Click on “Apply Now” beneath the Commercial Account. It's the black and yellow Lowes credit card with 4Pros on the face. That will take you to the digital application, where you’ll need to provide financial information about your company, including the following: </p> <ul role="list"> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="5" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{2549bc99-a793-4768-8128-89c0a3973c8d}{254}" paraid="973303777" xml:lang="EN-US">Legal business name </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="6" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{9c31ec1e-a946-4396-a125-f55d7eda212a}{13}" paraid="1321501048" xml:lang="EN-US">Tax classification </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="7" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{9c31ec1e-a946-4396-a125-f55d7eda212a}{31}" paraid="447833050" xml:lang="EN-US">Industry </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="8" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{9c31ec1e-a946-4396-a125-f55d7eda212a}{49}" paraid="1704617054" xml:lang="EN-US">Business address </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="9" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{9c31ec1e-a946-4396-a125-f55d7eda212a}{67}" paraid="2003860519" xml:lang="EN-US">Phone number and email </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="10" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{9c31ec1e-a946-4396-a125-f55d7eda212a}{85}" paraid="1290465486" xml:lang="EN-US">Taxpayer ID and DUNS number </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="11" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{9c31ec1e-a946-4396-a125-f55d7eda212a}{103}" paraid="920584800" xml:lang="EN-US">Number of employees </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="12" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{9c31ec1e-a946-4396-a125-f55d7eda212a}{121}" paraid="1982874920" xml:lang="EN-US">Year established </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="13" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{9c31ec1e-a946-4396-a125-f55d7eda212a}{139}" paraid="644553301" xml:lang="EN-US">Requested credit line </p> </li> </ul> <p lang="EN-US" paraeid="{9c31ec1e-a946-4396-a125-f55d7eda212a}{157}" paraid="924952165" xml:lang="EN-US">Try not to ask for too high of a credit limit, as it may negatively impact your odds of qualifying. Generally, new business owners will have the best chance if they aim for a credit line of roughly $2,500 to $3,500. </p> <p lang="EN-US" paraeid="{9c31ec1e-a946-4396-a125-f55d7eda212a}{169}" paraid="216068939" xml:lang="EN-US">Being in business for longer and having a handful of positive tradelines in your business credit report will also increase your likelihood of approval. However, it is possible to qualify without much business credit history. </p> <p lang="EN-US" paraeid="{9c31ec1e-a946-4396-a125-f55d7eda212a}{178}" paraid="239214595" xml:lang="EN-US">Finally, you can apply with or without a personal guarantee. Once again, signing one may help you qualify. However, Lowes will then be able to pursue your personal assets if you default on your account. </p> <p lang="EN-US" paraeid="{9c31ec1e-a946-4396-a125-f55d7eda212a}{187}" paraid="517210701" xml:lang="EN-US">Either way, Lowes will check your business credit score once you click submit and may pull your personal credit if you sign a personal guarantee. Some applicants get instant responses, but it could take Lowes 7 to 10 days to update your application status. </p> <h2 aria-level="2" lang="EN-US" paraeid="{9c31ec1e-a946-4396-a125-f55d7eda212a}{196}" paraid="2100270334" role="heading" xml:lang="EN-US">A Note for Real Estate Investors </h2> <p lang="EN-US" paraeid="{9c31ec1e-a946-4396-a125-f55d7eda212a}{205}" paraid="1653307285" xml:lang="EN-US">A Lowe’s Commercial Account is a great tool for real estate investors. Whether you’re managing property buy and hold or you’re doing a fix and flip, someone in your organization is probably making regular trips to Lowe’s anyway. </p> <p lang="EN-US" paraeid="{9c31ec1e-a946-4396-a125-f55d7eda212a}{214}" paraid="370256759" xml:lang="EN-US">In our article <a href="https://business.ecredable.com/resources/blog/can-you-buy-a-house-with-business-credit" rel="noreferrer noopener" target="_blank">Can You Buy a House with Business Credit?</a>, we explain how to build up your business credit so that you can finance your real estate acquisitions without using expensive hard money loans.  </p> <p lang="EN-US" paraeid="{9c31ec1e-a946-4396-a125-f55d7eda212a}{223}" paraid="34117878" xml:lang="EN-US">In addition to a Lowe’s Commercial Account, you may want to consider obtaining financing with Home Depot and other suppliers you use frequently.  </p> <p lang="EN-US" paraeid="{9c31ec1e-a946-4396-a125-f55d7eda212a}{232}" paraid="201875136" xml:lang="EN-US">These are great vendor accounts and business credit cards to help with short-term financing needs. Once you build your business credit more, you can qualify for low interest rate business lines of credit and landlord loans that don’t check your personal credit. </p> <p lang="EN-US" paraeid="{9c31ec1e-a946-4396-a125-f55d7eda212a}{241}" paraid="1636055786" xml:lang="EN-US">The goal of every astute real estate investor should be to build up multiple bank lines of credit. These traditional bank loans are hard to qualify for, but they’re great because they’re 100% flexible.  </p> <p lang="EN-US" paraeid="{9c31ec1e-a946-4396-a125-f55d7eda212a}{250}" paraid="2126582811" xml:lang="EN-US">Lines of credit can be used to purchase supplies, pay subcontractors, and most importantly, even cover the down payment on a property purchase. Once your credit lines get big enough, they can even cover the entire cost of purchase.  </p> <p lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{4}" paraid="1574158862" xml:lang="EN-US">This is how you achieve the coveted “no money down” acquisition - with flexible bank credit lines. </p> <p lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{13}" paraid="633997431" xml:lang="EN-US">Of course, only businesses with the best of business credit can qualify for them. It’s a worthy goal to pursue. </p> <h2 aria-level="2" lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{22}" paraid="684280274" role="heading" xml:lang="EN-US">How to Finance Your Next Property </h2> <p lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{31}" paraid="2100981630" xml:lang="EN-US">If you’re funding fix and flips, you have to take on many different costs. These primarily look like: </p> <ul role="list"> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="14" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{40}" paraid="1588238599" xml:lang="EN-US">The property purchase </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="15" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{54}" paraid="1452299166" xml:lang="EN-US">Supplies for the rehab </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="16" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{72}" paraid="2124324035" xml:lang="EN-US">Contractors to do the work </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="17" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{90}" paraid="1670732159" xml:lang="EN-US">Smaller miscellaneous costs </p> </li> </ul> <p lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{108}" paraid="1828031178" xml:lang="EN-US">Many investors and small construction companies get started by using a home equity line of credit using their personal credit - and secured against their home. This is, of course, very risky, because if you default in any way on the loan, you will lose your home. </p> <p lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{120}" paraid="2074481417" xml:lang="EN-US">Other typical financing sources include a hard money loan, personal credit cards, and personal savings. Your hard money loan covers your purchase price, your savings cover the down payment, and your credit cards help cover rehab costs and contractor fees.  </p> <p lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{129}" paraid="1919821084" xml:lang="EN-US">We all have to start somewhere. But there is a better way. </p> <p lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{138}" paraid="1077951540" xml:lang="EN-US">Personal credit cards charge high interest rates and can negatively affect your personal credit scores and reports. And with hard money, do I even have to remind you about those brutal upfront costs? </p> <p lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{147}" paraid="1573116637" xml:lang="EN-US">Here’s how you can transition into smarter financing: </p> <ul role="list"> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="18" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{156}" paraid="1794574534" xml:lang="EN-US">Net 30 accounts and business credit cards replace personal credit cards for supplies, contractor fees, and miscellaneous costs </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="19" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{170}" paraid="438862681" xml:lang="EN-US">Business lines of credit replace HELOCs and hard money loans for property acquisition </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="20" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{188}" paraid="294774317" xml:lang="EN-US">Business cash flow replaces personal savings for down payments </p> </li> </ul> <p lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{206}" paraid="1048915880" xml:lang="EN-US">Eventually you’ll get to a point where your bank credit lines finance 100% of everything, but building over $1,000,000 in lines of credit takes years of credit building and bank relationship building to pull off.  </p> <p lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{206}" paraid="1048915880" xml:lang="EN-US">Also check out our reviews on <a href="https://business.ecredable.com/resources/blog/home-depot-net-30">Home Depot</a>, <a href="https://business.ecredable.com/resources/blog/office-depot-net-30">Office Depot Net 30</a>, <a href="https://business.ecredable.com/resources/blog/amazon-net-30">Amazon Net 30</a>, and <a href="https://business.ecredable.com/resources/blog/costco-net-30-account">Costco Net 30 Account</a>. </p> <h2 aria-level="2" lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{218}" paraid="1165630073" role="heading" xml:lang="EN-US">Use eCredable to Build Business Credit </h2> <p lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{227}" paraid="1814942676" xml:lang="EN-US">Opening multiple net 30 accounts and using them responsibly will eventually help you build good business credit. However, it will take you months, if not years, to get there. You’ll also likely incur significant fees and buy some unnecessary products. </p> <p lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{236}" paraid="545763673" xml:lang="EN-US">Fortunately, eCredable’s Business Lift program offers a much more efficient way to build business credit. For just $19.95 per month, we’ll report an unlimited number of your recurring utility expenses to Equifax Business and Creditsafe as vendor tradelines. </p> <p lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{245}" paraid="2049162882" xml:lang="EN-US">In addition to your ongoing payments, that includes up to 24 months of payment history for each account. That lets you instantly establish years of credit history, which can boost your scores overnight. </p> <p lang="EN-US" paraeid="{af984175-96b2-4b2a-a725-efa08e30cd5f}{254}" paraid="1539950881" xml:lang="EN-US"><a href="https://business.ecredable.com/join" rel="noreferrer noopener" target="_blank">Sign up for eCredable</a> today and take the shortcut to good business credit! </p> <p lang="EN-US" paraeid="{87ec66ea-fdfa-4d56-b178-ec49de9303b0}{8}" paraid="357717901" xml:lang="EN-US">Learn More: You’ll need more than one net 30 account in each credit report to establish your business credit score the traditional way. If you’re looking for more, check out our reviews of some other popular options: </p> <ul role="list"> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="21" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{87ec66ea-fdfa-4d56-b178-ec49de9303b0}{17}" paraid="1284564828" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/uline-net-30" rel="noreferrer noopener" target="_blank">Uline Net 30</a> Review </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="22" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{87ec66ea-fdfa-4d56-b178-ec49de9303b0}{31}" paraid="1844616445" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/grainger-net-30" rel="noreferrer noopener" target="_blank">Grainger Net 30</a> Review </p> </li> <li 335552541="" aria-setsize="-1" data-aria-level="1" data-aria-posinset="23" data-font="Symbol" data-leveltext="" data-list-defn-props="{"> <p lang="EN-US" paraeid="{87ec66ea-fdfa-4d56-b178-ec49de9303b0}{49}" paraid="2134467519" xml:lang="EN-US"><a href="https://business.ecredable.com/resources/blog/crown-office-supplies-net-30" rel="noreferrer noopener" target="_blank">Crown Office Supplies Net 30</a> Review </p> </li> </ul> <grammarly-desktop-integration data-grammarly-shadow-root="true"></grammarly-desktop-integration></body> </html> 757Amazon Net 30 Reviewhttps://business.ecredable.com/resources/blog/postid/756/amazon-net-30-reviewBusiness Credit,Business Credit Vendors,Business TradelinesWed, 31 Jan 2024 18:34:17 GMT<html> <head> <title></title> </head> <body data-gr-ext-installed="" data-new-gr-c-s-check-loaded="14.1152.0"> <p><b id="docs-internal-guid-4102a08a-7fff-aa00-e0a6-003df360ec4b"></b></p> <h1 aria-level="1" lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{15}" paraid="1966079234" role="heading" xml:lang="EN-US">Amazon Net 30 Review </h1> <p lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{23}" paraid="397855795" xml:lang="EN-US">Qualifying for the credit accounts you need to build business credit can be challenging as a new business owner. As a result, most start with net 30 accounts, which are typically low-tier vendor tradelines and relatively accessible. </p> <p lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{31}" paraid="2007471852" xml:lang="EN-US">However, not all net 30 accounts make sense for everyone, as they each have unique terms and conditions. Let’s review the Amazon net 30 account, which it calls “Pay by Invoice”, to help you determine whether it’s worth applying for in your circumstances. </p> <h2 aria-level="2" lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{39}" paraid="1144457727" role="heading" xml:lang="EN-US">Our Amazon Net 30 Review </h2> <p lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{47}" paraid="158398027" xml:lang="EN-US">The Amazon net 30 account isn’t the best choice for those looking to build business credit. Unfortunately, Amazon doesn’t report the tradeline to any business credit bureau. </p> <p lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{55}" paraid="1569922237" xml:lang="EN-US">However, the extended repayment terms may still be worth pursuing if you’re a business owner who frequently shops at Amazon. The account is free, and Amazon obviously has a lot to offer. </p> <p lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{63}" paraid="603616402" xml:lang="EN-US">If you’re thinking about applying, here are the primary factors to consider: </p> <p lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{71}" paraid="1814449113" xml:lang="EN-US">      - <a href="#Doesn't Report to the Credit Bureaus">Doesn’t Report to the Credit Bureaus</a></p> <p lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{91}" paraid="11913511" xml:lang="EN-US">      - <a href="#No Mandatory Application or Subscription Fees ">No Mandatory Application or Subscription Fees</a></p> <p lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{91}" paraid="11913511" xml:lang="EN-US">      - <a href="#Can Upgrade to Extend Payment Term ">Can Upgrade to Extend Payment Term</a></p> <p lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{125}" paraid="1794050221" xml:lang="EN-US">      - <a href="#Shop Amazon’s Uniquely Diverse Catalog ">Shop Amazon’s Uniquely Diverse Catalog</a></p> <h2 aria-level="2" lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{142}" paraid="1695601425" role="heading" xml:lang="EN-US"><a id="Doesn't Report to the Credit Bureaus" name="Doesn't Report to the Credit Bureaus">Doesn’t Report to the Credit Bureaus </a></h2> <p lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{153}" paraid="576993720" xml:lang="EN-US">When you’re analyzing a net 30 account as a credit-building tool, the most significant consideration is which of the major business credit bureaus the issuing vendor reports to. After all, it can only contribute to your scores if it appears in your credit reports. </p> <p lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{161}" paraid="1477770441" xml:lang="EN-US">Unfortunately, Amazon doesn’t report its net 30 account to any of the major business credit bureaus. It generally won’t appear in your credit history or benefit your scores, though Amazon may report you for delinquencies or defaults. </p> <p lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{169}" paraid="1963706420" xml:lang="EN-US">As a result, Amazon’s net 30 account is only useful for extending your repayment term. If your goal is to build business credit, you should focus on other vendors who report to more of the major bureaus. </p> <p lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{177}" paraid="2108356529" xml:lang="EN-US">For example, the <a href="https://business.ecredable.com/resources/blog/crown-office-supplies-net-30" rel="noreferrer noopener" target="_blank">Crown Office Supplies net 30</a> account is one of the few to report to all three, including Equifax Business, Experian Business, and Dun & Bradstreet (D&B). </p> <h2 aria-level="2" lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{185}" paraid="777821721" role="heading" xml:lang="EN-US"><a id="No Mandatory Application or Subscription Fees " name="No Mandatory Application or Subscription Fees ">No Mandatory Application or Subscription Fees </a></h2> <p lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{193}" paraid="1915837312" xml:lang="EN-US">Many <a href="https://business.ecredable.com/resources/blog/net-30-accounts" rel="noreferrer noopener" target="_blank">net 30 accounts</a> carry application or membership fees that can make them surprisingly expensive. For example, you must pay a $99 fee and buy at least $100 worth of goods to apply for the <a href="https://business.ecredable.com/resources/blog/quill-net-30" rel="noreferrer noopener" target="_blank">Quill net 30</a> account. </p> <p lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{201}" paraid="1622082127" xml:lang="EN-US">These costs can add up quickly, especially since you typically need at least half a dozen net 30 accounts in each business credit report to lay a sufficient foundation for your business credit scores. </p> <p lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{209}" paraid="967124268" xml:lang="EN-US">Fortunately, that’s not the case with Amazon’s Pay by Invoice. It might not be able to help you build business credit, but it doesn’t cost anything to apply for or retain access to the account. </p> <h2 aria-level="2" lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{217}" paraid="1387182286" role="heading" xml:lang="EN-US"><a id="Can Upgrade to Extend Payment Term " name="Can Upgrade to Extend Payment Term ">Can Upgrade to Extend Payment Term </a></h2> <p lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{225}" paraid="112603773" xml:lang="EN-US">Amazon’s free Pay by Invoice account offers net 30 terms by default. However, you can purchase an Amazon Business Prime subscription (<a href="https://business.amazon.com/en/find-solutions/business-prime/differences-between-prime" rel="noreferrer noopener" target="_blank">separate from Amazon Prime</a>) to extend your repayment term significantly. </p> <p lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{233}" paraid="1328978519" xml:lang="EN-US">First, you can upgrade to net 45 terms by paying for either the Small or Medium tiers, which cost $499 and $1,299 per year. If you’re willing to pay $10,009 per year for the Enterprise subscription, you can access net 60 terms. </p> <p lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{241}" paraid="199112888" xml:lang="EN-US">Paying for a Business Prime membership also has other benefits, including making you eligible for additional rewards and longer repayment terms with the Amazon Business Prime American Express Card. </p> <p lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{249}" paraid="1955451426" xml:lang="EN-US">If you qualify for the Amazon business card, you can choose between 5% cash back and up to 90 days of interest-free financing. Notably, Amazon’s business credit card does report to D&B, unlike the Pay by Invoice account.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{9ed043d5-7a48-4399-af26-db9f122c3f6e}{2}" paraid="283263586" role="heading" xml:lang="EN-US"><a id="Shop Amazon’s Uniquely Diverse Catalog " name="Shop Amazon’s Uniquely Diverse Catalog ">Shop Amazon’s Uniquely Diverse Catalog </a></h2> <p lang="EN-US" paraeid="{9ed043d5-7a48-4399-af26-db9f122c3f6e}{10}" paraid="1859705850" xml:lang="EN-US">Because Amazon doesn’t report its net 30 account to the credit bureaus, it’s not helpful for building business credit. However, Amazon offers such a diverse mix of products that it may still be worth applying for Pay by Invoice. </p> <p lang="EN-US" paraeid="{9ed043d5-7a48-4399-af26-db9f122c3f6e}{18}" paraid="1387283973" xml:lang="EN-US">Amazon connects you with hundreds of thousands of suppliers, so there’s no end to the products you can buy. There are supplies for almost every industry, ranging from real estate construction to food service and hospitality. </p> <p lang="EN-US" paraeid="{9ed043d5-7a48-4399-af26-db9f122c3f6e}{26}" paraid="1583654055" xml:lang="EN-US">If you expect to purchase goods from Amazon Business often anyway, an extra 30 days of interest-free financing can’t hurt your cash flow. </p> <h2 lang="EN-US" paraeid="{9ed043d5-7a48-4399-af26-db9f122c3f6e}{26}" paraid="1583654055" xml:lang="EN-US">Amazon Net 30 Account Requirements </h2> <p lang="EN-US" paraeid="{9ed043d5-7a48-4399-af26-db9f122c3f6e}{42}" paraid="236142947" xml:lang="EN-US">While the Amazon net 30 account won’t help you build business credit, it may still be worth having if you expect to buy regularly from the vendor. If you’re interested, register for an Amazon Business account. </p> <p lang="EN-US" paraeid="{9ed043d5-7a48-4399-af26-db9f122c3f6e}{50}" paraid="652164263" xml:lang="EN-US">Start the process on the business version of the <a href="https://business.amazon.com/" rel="noreferrer noopener" target="_blank">Amazon website</a> by supplying your name, email, and password. Amazon will email a code to verify your account, then repeat the process with your phone number.  </p> <p lang="EN-US" paraeid="{9ed043d5-7a48-4399-af26-db9f122c3f6e}{58}" paraid="19396851" xml:lang="EN-US">Finally, you’ll have to provide some background details, including your legal entity type and business address. Once you click submit, Amazon will need three days to verify your information. </p> <p lang="EN-US" paraeid="{9ed043d5-7a48-4399-af26-db9f122c3f6e}{66}" paraid="1198172544" xml:lang="EN-US">During that time, it will also assess your eligibility for Pay by Invoice. That may involve reviewing your business credit reports and any previous Amazon purchases. If you’re approved, you’ll receive an email inviting you to activate your credit line. </p> <p lang="EN-US" paraeid="{9ed043d5-7a48-4399-af26-db9f122c3f6e}{74}" paraid="1129451259" xml:lang="EN-US">As a new Amazon Business customer, you'll have a limited time to activate Pay by Invoice. Wait too long, and Amazon will reduce your credit line’s limit to zero. You can request an increase later, but Amazon will need three days to reassess your eligibility. </p> <h2 aria-level="2" lang="EN-US" paraeid="{9ed043d5-7a48-4399-af26-db9f122c3f6e}{82}" paraid="605470356" role="heading" xml:lang="EN-US">Use eCredable to Build Business Credit </h2> <p lang="EN-US" paraeid="{9ed043d5-7a48-4399-af26-db9f122c3f6e}{90}" paraid="518093976" xml:lang="EN-US">Signing up for multiple net 30 accounts is the slow and steady way of establishing business credit. Once you build a positive payment history with them, you can qualify for higher-tier vendor tradelines and financial tradelines. </p> <p lang="EN-US" paraeid="{9ed043d5-7a48-4399-af26-db9f122c3f6e}{98}" paraid="804654478" xml:lang="EN-US">While there’s nothing wrong with slow and steady, there is a more efficient way to build business credit with eCredable’s Business Lift program. It lets you transform an unlimited number of your existing expenses into vendor tradelines. </p> <p lang="EN-US" paraeid="{9ed043d5-7a48-4399-af26-db9f122c3f6e}{106}" paraid="279664710" xml:lang="EN-US">After you connect your eligible accounts to our software, we’ll report them to Equifax Business and Creditsafe. In addition to your ongoing payments, that includes up to 24 months of payment history, helping you establish years of credit history overnight. </p> <p lang="EN-US" paraeid="{9ed043d5-7a48-4399-af26-db9f122c3f6e}{114}" paraid="985943203" xml:lang="EN-US"><a href="https://business.ecredable.com/join" rel="noreferrer noopener" target="_blank">Sign up for eCredable</a> today and take the shortcut to good business credit! </p> <p lang="EN-US" paraeid="{9ed043d5-7a48-4399-af26-db9f122c3f6e}{122}" paraid="1011915259" xml:lang="EN-US">Learn More: You need more than one net 30 account in each credit report to establish your business credit score the traditional way. If you’re looking for more, check out our reviews of some other popular options: </p> <p lang="EN-US" paraeid="{9ed043d5-7a48-4399-af26-db9f122c3f6e}{130}" paraid="754164502" xml:lang="EN-US">      - <a href="https://business.ecredable.com/resources/blog/uline-net-30" rel="noreferrer noopener" target="_blank">Uline Net 30</a> Review </p> <p lang="EN-US" paraeid="{9ed043d5-7a48-4399-af26-db9f122c3f6e}{143}" paraid="132143310" xml:lang="EN-US">      - <a href="https://business.ecredable.com/resources/blog/grainger-net-30" rel="noreferrer noopener" target="_blank">Grainger Net 30</a> Review </p> <p lang="EN-US" paraeid="{9ed043d5-7a48-4399-af26-db9f122c3f6e}{160}" paraid="1241611866" xml:lang="EN-US">      - <a href="https://business.ecredable.com/resources/blog/creative-analytics-net-30" rel="noreferrer noopener" target="_blank">Creative Analytics Net 30</a> Review </p> <p lang="EN-US" paraeid="{47df0b6b-35fb-4beb-9da0-c2f6cc4d92ea}{11}" paraid="738692707" xml:lang="EN-US"> </p> </body> <grammarly-desktop-integration data-grammarly-shadow-root="true"></grammarly-desktop-integration></html> 756Namynot Net 30 Reviewhttps://business.ecredable.com/resources/blog/postid/754/namynot-net-30Business Credit,Business Credit Vendors,Business TradelinesThu, 14 Dec 2023 00:39:00 GMT<html> <head> <title></title> </head> <body data-gr-ext-installed="" data-new-gr-c-s-check-loaded="14.1145.0"> <h1 lang="EN-US" paraeid="{a3fef35d-53ac-4972-be3b-23f795db6bf5}{236}" paraid="134243829" xml:lang="EN-US">Namynot Net 30 Review </h1> <p lang="EN-US" paraeid="{a3fef35d-53ac-4972-be3b-23f795db6bf5}{248}" paraid="2134428465" xml:lang="EN-US">If you’re looking for high-quality digital marketing services while also building business credit with a net 30 vendor, you’ll likely be interested in Namynot.  </p> <p lang="EN-US" paraeid="{a3fef35d-53ac-4972-be3b-23f795db6bf5}{251}" paraid="662762608" xml:lang="EN-US">They offer a 30-day payment term and will report your payment history to Dun & Bradstreet, which can be tremendously helpful for raising your business credit score.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{2}" paraid="1464175896" role="heading" xml:lang="EN-US">Our Namynot Net 30 Review </h2> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{5}" paraid="47288186" xml:lang="EN-US">With a full spectrum of digital marketing services, a huge credit limit, and invoice payment reporting to a leading business credit bureau, we consider Namynot to be a top net 30 account vendor.  </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{8}" paraid="357054253" xml:lang="EN-US">And with reasonable eligibility requirements, it’s a net 30 account many business owners will qualify for. Just note that they don’t offer physical products like office supplies, industrial supplies, shipping supplies, or safety supplies.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{14}" paraid="410498816" role="heading" xml:lang="EN-US">Reasons to Get a Namynot Net 30 Account: </h2> <p>      -  <a href="#Offer Comprehensive Marketing Services and Have an Impressive Client Base ">Offer Comprehensive Marketing Services and Have an Impressive Client Base </a></p> <p>      -  <a href="#Report to Dun & Bradstreet ">Report to Dun & Bradstreet</a> </p> <p>      -  <a href="#Offer Up to a $10,000 Credit Limit with Net 30 Terms ">Offer Up to a $10,000 Credit Limit with Net 30 Terms </a></p> <h2 aria-level="2" lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{29}" paraid="1041608499" role="heading" xml:lang="EN-US"><a id="Offer Comprehensive Marketing Services and Have an Impressive Client Base " name="Offer Comprehensive Marketing Services and Have an Impressive Client Base ">Offer Comprehensive Marketing Services and Have an Impressive Client Base </a></h2> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{32}" paraid="1750698378" xml:lang="EN-US">A lot of <a href="https://business.ecredable.com/resources/blog/net-30-accounts" rel="noreferrer noopener" target="_blank">net 30 accounts</a> sell office supplies, business equipment, and other things of that nature. However, not many marketing agencies offer net 30 payment terms.  </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{35}" paraid="235066210" xml:lang="EN-US">If you’re a business owner who wants digital marketing services to grow your business and increase revenue while simultaneously building your credit history, Namynot is likely a net 30 vendor you’ll want to consider.  </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{41}" paraid="95631140" xml:lang="EN-US">Some specific areas they focus on include: </p> <ul> <li lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{50}" paraid="395190218" xml:lang="EN-US">Organic lead generation </li> <li lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{54}" paraid="1429191806" xml:lang="EN-US">Web design </li> <li lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{58}" paraid="326403585" xml:lang="EN-US">Email marketing </li> <li lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{62}" paraid="174150542" xml:lang="EN-US">Ad management </li> <li lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{66}" paraid="908020167" xml:lang="EN-US">Social media </li> <li lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{70}" paraid="1168502053" xml:lang="EN-US">Marketing strategy </li> </ul> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{74}" paraid="755890306" xml:lang="EN-US"> </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{77}" paraid="984735410" xml:lang="EN-US">They also have a strong portfolio with notable clients, including AT&T, BlueCross BlueShield, Verizon, and MasterCard, and solid customer service.   </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{80}" paraid="1053063838" xml:lang="EN-US">You can <a href="https://namynot.com/portfolio/" rel="noreferrer noopener" target="_blank">see their portfolio here</a>.  </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{86}" paraid="1074639943" xml:lang="EN-US">The bottom line is that if you want to grow your small business and boost cash flow while at the same time reporting your trade credit to a business credit bureau to raise your credit score, Namynot can help you do it.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{92}" paraid="472964063" role="heading" xml:lang="EN-US"><a id="Report to Dun & Bradstreet " name="Report to Dun & Bradstreet ">Report to Dun & Bradstreet </a></h2> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{95}" paraid="956286962" xml:lang="EN-US">As for who this vendor reports trade credit payment history to, it’s currently D&B. </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{98}" paraid="1621902493" xml:lang="EN-US">While reporting to multiple major business credit bureaus like D&B, Equifax Business, and Experian Business is ideal, if you only have one option, D&B is often preferred because their PAYDEX Score is something many lenders look at.   </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{104}" paraid="582285484" xml:lang="EN-US">So if you’re trying to get a business credit card, business loan, vendor supplies, or any other type of financing later on down the road, establishing creditworthiness with D&B is highly beneficial.  </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{110}" paraid="742653632" xml:lang="EN-US">Just like leveraging personal credit to unlock favorable terms with a personal credit card or loan, you can use your business credit score boost to get better terms with a business credit card, business loan, supplies vendor, and more.   </p> <h2 aria-level="2" lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{116}" paraid="1763502584" role="heading" xml:lang="EN-US"><a id="Offer Up to a $10,000 Credit Limit with Net 30 Terms " name="Offer Up to a $10,000 Credit Limit with Net 30 Terms ">Offer Up to a $10,000 Credit Limit with Net 30 Terms </a></h2> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{119}" paraid="1545169833" xml:lang="EN-US">In most cases, the main reason a small business owner seeks a net 30 vendor is to build business credit. Having additional cash flow and payment flexibility with supplies or services is nice, but they’re mainly in it for the business credit score boost. </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{122}" paraid="150467560" xml:lang="EN-US">But when it comes to digital marketing services, the added cash flow with a net 30 credit term can have a greater significance when compared to something like purchasing office supplies.  </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{128}" paraid="640001404" xml:lang="EN-US">According to WebFX, small business owners can expect to pay between <a href="https://www.webfx.com/digital-marketing/pricing-alt/" rel="noreferrer noopener" target="_blank">$2,500 to $12,000 per month</a> for digital marketing services in 2024.  </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{134}" paraid="1107118820" xml:lang="EN-US">So offering up to a $10,000 credit limit like Namynot can be extremely helpful, especially for new businesses just starting out and looking to raise their credit score.   </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{140}" paraid="486929668" xml:lang="EN-US">As for the minimum purchase amount to be in the net 30 terms eligibility category — Namynot doesn’t state what it is — likely because each client is different and requires individual digital marketing services.  </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{146}" paraid="2140264553" xml:lang="EN-US">But in most cases, a net 30 account will require at least a $50 minimum invoice to report to a business credit bureau. If you have questions regarding the minimum purchase amount, you can <a href="https://namynot.com/contact/" rel="noreferrer noopener" target="_blank">contact customer service here</a>.  </p> <h2 aria-level="2" lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{152}" paraid="1904489014" role="heading" xml:lang="EN-US">How to Qualify for a Namynot 30 Net Account </h2> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{155}" paraid="939425522" xml:lang="EN-US">This vendor is very transparent about their net 30 account requirements. </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{158}" paraid="968550906" xml:lang="EN-US">First, “You must be an Authorized Office and Controlling Party” of your business and either have at least 25% or greater ownership or “are the Trustee of a Trust that has 25% or greater ownership.” </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{164}" paraid="1898872938" xml:lang="EN-US">You’ll also need: </p> <ul> <li lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{173}" paraid="2140910806" xml:lang="EN-US">To be a registered business in your state and be in good standing </li> <li lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{177}" paraid="154097655" xml:lang="EN-US">To be US-based </li> <li lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{181}" paraid="583645465" xml:lang="EN-US">To have been in business for at least 90 days </li> <li lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{185}" paraid="13492123" xml:lang="EN-US">To have an EIN </li> <li lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{189}" paraid="1086451514" xml:lang="EN-US">To have a DUNS number </li> <li lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{193}" paraid="1846615128" xml:lang="EN-US">To have a professional website </li> <li lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{197}" paraid="478449002" xml:lang="EN-US">To not have any late payment history </li> </ul> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{201}" paraid="1490477054" xml:lang="EN-US"> </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{204}" paraid="4077993" xml:lang="EN-US">You can find a net 30 vendor term <a href="https://namynot.com/net-30/business-credit-application/" rel="noreferrer noopener" target="_blank">application from Namynot here</a>.  </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{207}" paraid="1280212808" xml:lang="EN-US">And you can find more information about using a net 30 account to <a href="https://namynot.com/net-30/" rel="noreferrer noopener" target="_blank">build business credit with this vendor here</a>, along with customer service information.  </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{213}" paraid="1909958334" xml:lang="EN-US">If you’re looking for longer than a 30-day invoice term, these accounts are available as well.  </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{219}" paraid="24515738" xml:lang="EN-US">Here’s a list of <a href="https://business.ecredable.com/resources/blog/net-60-vendors2" rel="noreferrer noopener" target="_blank">net 60 vendors</a> that can help raise your business credit score.  </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{225}" paraid="754605366" xml:lang="EN-US">And here’s a list of <a href="https://business.ecredable.com/resources/blog/net-90-vendors" rel="noreferrer noopener" target="_blank">net 90 vendors</a>.   </p> <h2 aria-level="2" lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{231}" paraid="1463770460" role="heading" xml:lang="EN-US">Build Business Credit Quicker Than a Net 30 Account with eCredable </h2> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{234}" paraid="285391431" xml:lang="EN-US">Again, reporting a net 30 vendor payment history to at least one business credit bureau is a great way to establish business credit and raise your credit score.  </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{237}" paraid="277090861" xml:lang="EN-US">Just as having a positive payment history with your personal credit card is instrumental in building personal credit, it’s the same concept as raising your business credit score.  </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{243}" paraid="301809168" xml:lang="EN-US">That being said, going the net 30 account route usually takes 15-45 days, and most business owners spend at least $500-$1,000 on office supplies, wholesale products, or other items.  </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{249}" paraid="1566659255" xml:lang="EN-US">One way to expedite the process and improve your business credit score quicker is by using eCredable, which reports business utilities, vendor trade credit, business services, and more to Equifax and Creditsafe. Your eCredable subscription payment reports to Dun & Bradstreet and Experian as well.   </p> <p lang="EN-US" paraeid="{8025d0c1-a015-4ccb-9879-85950ccffd30}{255}" paraid="1317507742" xml:lang="EN-US">As soon as you sign up, we’ll report up to the last 24 months of your payment history for a noticeable bump to your credit score (40% on average).  </p> <p lang="EN-US" paraeid="{6f1e55d2-e37d-422b-b797-266c667f1da0}{6}" paraid="1712267835" xml:lang="EN-US">The best part is that you only pay a low price of $19.95 per month for eCredable Business Lift or $29.95 per month for eCredable Business Lift+.  </p> <p lang="EN-US" paraeid="{6f1e55d2-e37d-422b-b797-266c667f1da0}{12}" paraid="1293980832" xml:lang="EN-US"><a href="https://business.ecredable.com/" rel="noreferrer noopener" target="_blank">Get additional details here</a>.  </p> <p lang="EN-US" paraeid="{6f1e55d2-e37d-422b-b797-266c667f1da0}{18}" paraid="127797446" xml:lang="EN-US"> </p> <grammarly-desktop-integration data-grammarly-shadow-root="true"></grammarly-desktop-integration></body> </html> 754