Santa's gone 🎅 but the bills have only just begun

Plus, how to break out of the middle class in 2024 ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/32ffb80d?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQ0NjMxMjAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTZmYTY5OWQ3ZWY4MGViNDAwMjU4ZSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyNDAxMDUmYWZmX3N1YjQ9MDg1OCZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDI0MDEwNSZ1dG1fY29udGVudD0wODU4JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=xZ8ElK0z70M-1JcIRF_HqwHaI3tQFZc0Nntf8SF3oko)   6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/cb9f36e1?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=bIil0Fy5qsc_WzpWtEUl4H2tDuA04oz25X81OaPdRBQ  [Santa Left You a Bag Full of Credit Card Debt](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/5aa85085?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=jU0bV11RdoPtuKoaZr0EQforQFqQCys30jj2dx4kN0c)  Sure, let's blame Santa — that jolly cad ate our cookies and lured us under the mistletoe for a snog, and afterward, he slipped off to max out our credit cards. A likely story! We all know who's really responsible, and you're not the only one looking at your holiday spending with a tinge of regret. Santa's long gone now the bill's come due, but The Penny Hoarder is here to help with these [financial tips to sleigh your holiday debt.](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/563b5349?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=CwqS3hoeMR3xUk5EZbPtdqvxyajf3_OIVpkLL5n85bo)          [Ready to Ditch the Office? Try These Online Jobs](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/06146268?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQ0NjMxMjAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTZmYTY5OWQ3ZWY4MGViNDAwMjU5MiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL21ha2UtbW9uZXlcL29ubGluZS1qb2JzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTA1JmFmZl9zdWI0PTA4NTgmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMDUmdXRtX2NvbnRlbnQ9MDg1OCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=PZ7GNbE52IuOufZkggG_vSnZewaiH_ShsxF9tPRY8OY)  There are so many reasons to work from home — better work-life balance, spending less on gas or transit, better snacks because you choose them, just to name a few. It's especially ideal for retirees or parents with children at home. The good news is now there are more online jobs than ever, and everyone from the entry-level newbie to the seasoned CEO is logging in rather than clocking in. So put away your dread about working in an office and check out our list of 25 online jobs that will help you build the life and career you want.          6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/1ad51534?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=GnWfjrzlv3N0rGF7G2E098Y6wAQc9DpvB12Vspj0kQg  [2024 Is The Year You Break Out of the Middle Class](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/36b1ce85?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQ0NjMxMjAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTZmYTY5OWQ3ZWY4MGViNDAwMjU5NCIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvc3R1Y2staW4tbWlkZGxlLWNsYXNzLXBydFwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDI0MDEwNSZhZmZfc3ViND0wODU4JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjQwMTA1JnV0bV9jb250ZW50PTA4NTgmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=qe60PHKHhXuzGELpkAFa6uytj6BDxEbZweYRrMQOn-Y)  Last year left a lot of us feeling trapped in a middle-class cage. But we're optimistic about 2024, and we hope you are too. This year, we're busting out of this middle-class jail. And we're doing it by making a financial plan, educating ourselves about investments, shedding non-mortgage debt and getting smarter about taking risks with our money. Feeling stuck too? [Conspire with us to plan the perfect financial jailbreak!](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/53eb9018?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=0jTQyp5BSueLO9lsGIWBpm_pCbOF67Ef0ldO34pFZl0)          [Medicare Grocery Allowances: How They Work and Who Qualifies](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/361a9d6b?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=LXP1NLTwbj2ZKjLyhN8fakcWr9urJNxXNa1PDl79_HI)  A Medicare grocery allowance sounds like a great idea, but the reality of claiming one isn't as straightforward. You need to know what kind of plan actually includes such an allowance and if you qualify. We did all the legwork for you already and put together a comprehensive guide to Medicare grocery allowances.          [Ever Need Money, Like, Yesterday? ⏱️](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/73b31969?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=T7GYBbndOyW_-dM0lUomNmjj8W1kx1BOgrmSGbv8uRw)  We hate to hear that. We wish we had a time machine so we could go back to yesterday to give you this article, but we can still help you make money today. In this article, we cover [six websites that will pay you real money to play games, try out apps on your phone or take surveys online](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/f89d759c?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=PSlLFBfcqetNIcdEwmWJhXhX0Id6kvE-nApHcMdSRX8). With these sites, most people can start earning extra cash today, which is as fast as cash can be without that time machine.  [Show Me The Fast Money](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/c1ddc56b?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=vppieFt3pVwG2Up7MSnbdKEeRxfXMEWpUwyb187h38o)          [Build Better Money Habits With These Budgeting Tips](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/190f1fdc?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=y3w3nFSlfGmIhn9m0E8jvJYOdqONrGtNjIt-LdYfkc8)  Long-term subscribers know we're big believers in budgeting. Actually, even short-term subscribers probably know that, too, because we just shared our updated beginner's guide to budgeting in yesterday's newsletter (it's really helpful — check it out [here](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/0725a2ca?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=g3QMkthNGKjRyhTncFAkdcAHO0bwaJEOPVDn9GE5zBo)). Successful budgeting is about building good habits, and that's not always easy to do. So here's a baker's dozen of tips to help anyone establish a healthier financial routine.          [Was this email forwarded to you? Subscribe Now.](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/a937338f?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQ0NjMxMjAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTZmYTY5OWQ3ZWY4MGViNDAwMjU5YyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDI0MDEwNSZhZmZfc3ViND0wODU4JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjQwMTA1JnV0bV9jb250ZW50PTA4NTgmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=COnnvVuS28Eh5G_ZcAgZLgyeqRFmVe4mom6y_y-Qi0E)     Some of the links in this email are from our sponsors. We provide you with accurate, reliable information. [Learn more](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/26e35e94?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQ0NjMxMjAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTZmYTY5OWQ3ZWY4MGViNDAwMjU5ZCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3RydXN0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTA1JmFmZl9zdWI0PTA4NTgmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMDUmdXRtX2NvbnRlbnQ9MDg1OCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=zpTEYZAscNs60zbHNBg1EbcZeH2HayRfc1aZWQG-cq4) about how we make money and select our advertising partners.     © 2024 The Penny Hoarder. All rights reserved. 490 1st Ave S. Suite 800 | Saint Petersburg, FL 33701 | U.S.  [Mailing Preferences](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/c173f3a2?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=ja8MoB7_Wg2EZdxDvWM-xDPa60XWBNc2GqI_TRKgOWM)  | [Unsubscribe](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/f0a7c2a9?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=k-vT_qa0mZVk_YXKcJ75_WvmCqM8M2oAQlqVYkQSEJY)  | [Privacy Policy](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/1aa2c337?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQ0NjMxMjAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTZmYTY5OWQ3ZWY4MGViNDAwMjVhMCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3ByaXZhY3lcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyNDAxMDUmYWZmX3N1YjQ9MDg1OCZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDI0MDEwNSZ1dG1fY29udGVudD0wODU4JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=wmEemss4dhIzYR3lvbuJ11QYIRxpKE6uk7bu3gOP31E)    [Facebook](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/230f7c3e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQ0NjMxMjAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTZmYTY5OWQ3ZWY4MGViNDAwMjVhMSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LmZhY2Vib29rLmNvbVwvdGhlcGVubnlob2FyZGVyXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTA1JmFmZl9zdWI0PTA4NTgmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMDUmdXRtX2NvbnRlbnQ9MDg1OCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=BXJYm5m8yGN_ao5nA0xFZ1800otgHBt_-FtX_gpe6qo)  [Twitter](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/cf758d76?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQ0NjMxMjAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTZmYTY5OWQ3ZWY4MGViNDAwMjVhMiIsImxpbmtVcmwiOiJodHRwczpcL1wvdHdpdHRlci5jb21cL3RoZXBlbm55aG9hcmRlclwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDI0MDEwNSZhZmZfc3ViND0wODU4JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjQwMTA1JnV0bV9jb250ZW50PTA4NTgmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=sHr7WXZ-JhftPRWXHuvGn28oE09-R30kpRjlKaHLCPQ)  [Pinterest](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/d9fe0345?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQ0NjMxMjAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTZmYTY5OWQ3ZWY4MGViNDAwMjVhMyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnBpbnRlcmVzdC5jb21cL3RoZXBlbm55aG9hcmRlclwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDI0MDEwNSZhZmZfc3ViND0wODU4JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjQwMTA1JnV0bV9jb250ZW50PTA4NTgmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=V83d0Jn7I6eHCtY7k_G_OrLwfROZbB3I1un72hAtRAk)  [instagram](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/03297b6e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQ0NjMxMjAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTZmYTY5OWQ3ZWY4MGViNDAwMjVhNCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3Lmluc3RhZ3JhbS5jb21cL3RoZXBlbm55aG9hcmRlclwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDI0MDEwNSZhZmZfc3ViND0wODU4JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjQwMTA1JnV0bV9jb250ZW50PTA4NTgmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=B42R8u-mVSF-9fUZHjWydE9YnWKwX5h1YB2db9s5IYU)  [YouTube](6596f7e6c0d11a252e0d47c7:ot:631faf77229f6550ab06f0cf:1/685e94ea?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDQ0NjMxMjAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1OTZmYTY5OWQ3ZWY4MGViNDAwMjVhNSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnlvdXR1YmUuY29tXC9jXC90aGVwZW5ueWhvYXJkZXI_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMTA1JmFmZl9zdWI0PTA4NTgmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAxMDUmdXRtX2NvbnRlbnQ9MDg1OCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=zbyyjYxcSd8l5tlwmpApfdRgx5BLGOuT7SeNjexEReU)                                 Â