Thanks. And that was consistent we felt like with our comments during our second-quarter earnings call already where we said that we'd focus on earnings and cash conversion, as well as on revenue growth at that point too. GoodRx maintains a strong balance sheet with a net cash position. In SalesOS, we continue to invest behind unifying the sales professionals' experience for prospecting, engagement and closing deals onto a single platform by integrating our core sales intelligence, Engage and Chorus' conversation intelligence products. Our next question comes from Rishi Jaluria with RBC Capital Markets. One moment for our next question, please. I think one of the folks that people haven't heard clearly from us in the past, and we're certainly stressing on this call too, is just the sheer number of healthcare providers who we work with as well, which are, of course, an incredibly attractive audience, given that in most cases, we can identify them by specialty and by the prescriptions they write. Your line is open. Yes. And because of that, given that we're a marketplace, many of our users went to the lowest price, which was that particular grocer. The Motley Fool has a disclosure policy. Over 75% of MarketingOS customers are already SalesOS customers who want to get their teams onto the same tools, leveraging the same data. Honestly, I feel like in this environment where people are scrutinizing everything or more seriously than they have before. I think, in Q3, you saw sort of these cycles elongate really across the board, and so there isn't an area of specific concentration. As shown on the right-hand side of the slide, we saw a higher level of new active claims in the first nine months of the year compared to 2021, an indication that new claim incidence is trending back to its historic levels, although still below 2019 levels. Good day, and thank you for standing by. I think, again, what we're seeing is, even though we're seeing a really strong demand environment, those deals are just taking longer to get to close. Is that something that you think kind of plays more out into '23 under a punk macro? [Operator instructions] We will take our first question from Ryan Krueger with KBW. Good morning. That's why we integrated Slack into our workflow engine, putting the right market and buyer intelligence in front of the right people in seconds. I think with respect to the second part of your question, I think that part of your question related more specifically to consumer engagement and the impacts of consumer engagement in the fourth quarter. Should the case B, that interest rates stay higher for longer, there's a significant benefit to us because we've got overall about $32 billion of statutory reserves. In the third quarter, we delivered GAAP revenue of $288 million and adjusted operating income of $118 million. This compares to the prior quarter's net income of $181 million and adjusted operating income of $176 million or $0.34 per diluted share. In fact, that also ties into the acquisition we did earlier in the year on vitaCare because vitaCare is really an offering that allows us to be involved in almost the entirety of the prescription cycle. & Head-US Private Markets Business, President-Global Corporate & Investment Banking, President-Preferred & Consumer Banking & Invts, ice Chair of the Board & Chief Financial Officer, Registration on or use of this site constitutes acceptance of our. I think the biggest areas of confidence come from the reality that we still feel like we're barely penetrated into a prescription transactions TAM, number one. These results were again led by Enact, which reported $156 million in adjusted operating income to Genworth. ET. We're driving traffics to retailer locations. Our capital allocation priorities are reinvesting in the business, maintaining a strong balance sheet, returning capital to shareholders via share purchases, and evaluating acquisition opportunities that support the company's strategy. And this offering is anticipated to be available to Express Scripts commercial clients later this year and in early 2023. So higher interest rates, if we assume for the long run, they'll be higher, that obviously benefits and would reduce the gap that we have. This article is a transcript of this conference call produced for The Motley Fool. Thank you. While we strive for our Foolish Best, there may be errors, omissions, or inaccuracies in this transcript. At launch, we expanded access to all HCPs, including nurses, medical assistants, and front office staff as examples. Just a small follow-on to a prior question, if I may. Yes. OK. Got it. In OperationsOS, we're helping customers move beyond static data quality enrichment and into a world of continuously updated, ready-to-action data inside their CRM. And the recent reports that have come out from the sell side where interviews of pharma manufacturers indicate that spend will only go up into next year and the shift to digital will only continue into next year for example, also encourage us to be very, very bullish across the broader pharma manufacturer solutions offering, in particular. Finally, as we've articulated since the time of vitaCare's acquisition, we continue to expect vitaCare to have a drag on our adjusted EBITDA margins, as will likely be the case for a few more quarters. Karsten here. Morgan Stanleys MS third-quarter 2022 results, scheduled to be announced on Oct 14, are expected to reflect the benefits of robust trading performance. Total revenue for the quarter decreased 4% year over year to $187.3 million, which exceeded our quarterly guidance of $185 million. And so, while you're still growing nicely, it's obviously slowed down fairly quickly. We continue to close transactions with customers across all industries, seeing the strongest growth in the transportation and logistics, finance, insurance, real estate and manufacturing verticals. So, we only saw about half the impact we'd expect to see in the fourth quarter. We currently estimate a net after-tax decrease in AOCI for our LTC liabilities of approximately $12 billion to $13 billion as of the January 1, 2021 transition date, largely from the change in the discount rate. Trevor Bezdek -- Co-Founder and Co-Chief Executive Officer. We have a lot of meetings during the course of the year to make sure that we understand the assumptions, but -- and we'll come back in the fourth quarter and be clear. While we are more insulated from macro challenges relative to many companies and we benefit from long-term secular trends toward digitization, we are not immune to the macroeconomic environment in the short term. This Friday, were taking a look at Microsoft and Sonys increasingly bitter feud over Call of Duty and whether U.K. regulators are leaning toward torpedoing the Activision Blizzard deal. Get all the latest India news, ipo, bse, business news, commodity only on Moneycontrol. So, on our business, as we've said before, while we're deeply penetrated into the top pharma manufacturers, in fact, we're in top 19 of the top 20 today, we see significant opportunity to continue to grow those relationships, as well as to grow beyond that top 20 by quite a bit. We continue to expect a special dividend from Enact in the fourth quarter as Enact announced yesterday. Hey, thanks for taking my question. After all, the newsletter theyhave run for over a decade, Motley Fool Stock Advisor, has tripled the market.*. Q3 2022 Earnings Call Nov 02, 2022, 9:00 a.m. For Institutional Investors and Bondholders, contact the Investor Relations or Treasury team. Only post material thats relevant to the topic being discussed. Thank you. So, an eligible Express Script member gets seamless access to GoodRx prices for the eligible generic medication when the price is lower than their benefit price. Turning to our legacy LTC portfolio. 358%. As Trevor said, we're proud to have served 7.3 million consumers in the third quarter across our prescription transactions and subscriptions offerings. Loading.. While that had some, hard trade-offs, it's we believe that was executed very well and that we are now operating even more effectively in getting products out the door quickly. I think the other aspect of that is that, if deals are delayed, then the delivery on them also gets pushed out. And the reality is that the Kroger Savings Club is very small, both as a proportion of our subscriptions revenue and our proportion of our total revenue. One moment for our next questions. Rounding out our results for the quarter, we reported an adjusted operating loss in corporate and other activities of $17 million, compared to a $14 million adjusted operating loss in the prior quarter and $1 million of adjusted operating income in the prior year. And when we know GoodRx user better, we can guide users to the retailer that best fits their needs. So, our ability to become more deeply involved with these manufacturers in the top 20, very high. And it comes from the line of Jonathan Yong with Credit Suisse. Making the world smarter, happier, and richer. We continue to work with more pharma manufacturers, offer more solutions and deliver superior ROIs to those with which we work. For example, we will capture relevant sales signals such as a key contact moving to a new company and then automatically capture replacement contact at the account and alert the sales reps so they can take action on this change while automatically generating related records in the CRM. Great. We saw a similar trend in Q2 to Q3. Dan, do you want to just comment on in order to repurchase the 66 in the open market. And especially now to the question, that I think that got asked by Steve a few minutes ago too. But in our particular case, we have covenants in the 2034 debt, which do not allow us to pay down the 2066 hybrid until we either retire the 2034 or reduce the outstanding balance below $100 million. CFO Pascal Desroches at Morgan Stanley Conference, 4.750% Perpetual Preferred Stock, Series C Dividend Payment Date - $296.875 per preferred share, or $0.296875 per depositary share, 5.000% Perpetual Preferred Stock, Series A Dividend Payment Date - $312.50 per preferred share, or $0.3125 per depositary share, Common Shares Dividend Payment Date $0.2775, 4.750% Perpetual Preferred Stock, Series C Dividend Record Date - $296.875 per preferred share, or $0.296875 per depositary share, 5.000% Perpetual Preferred Stock, Series A Dividend Record Date - $312.50 per preferred share, or $0.3125 per depositary share, Common Shares Dividend Record Date $0.2775, CEO John Stankey at Goldman Sachs Conference, CFO Pascal Desroches at Bank of America Conference, Jeff McElfresh Fireside Chat at Bank of America C-Suite TMT Conference, Pascal Desroches Fireside Chat at Credit Suisse Annual Communications Conference, John Stankey at J.P. Morgan Global Technology, Media & Communications Conference, Fixed Rate Reset Perpetual Preferred Stock, Series B Dividend Payment Date -2,875.00 per preferred share, Fixed Rate Reset Perpetual Preferred Stock, Series B Dividend Record Date -2,875.00 per preferred share, AT&T Distribution Dividend to Spin Off Interest in WarnerMedia to Shareholders, Pascal Desroches at Deutsche Bank Media, Internet & Telecom Conference, Common Shares Dividend Payment Date - $0.52, Common Shares Dividend Record Date - $0.52, Pascal Desroches at Barclays Global Technology, Media and Telecommunications Conference, John Stankey at UBS Global TMT Conference, Jeff McElfresh at Wells Fargo Technology, Media and Telecom Summit, Pascal Desroches at Morgan Stanley European Technology, Media & Telecom Conference, John Stankey at Goldman Sachs Communacopia Conference, Pascal Desroches at Bank of America Media, Communications & Entertainment Conference, Pascal Desroches at Oppenheimer Annual Technology Conference, Common Share Dividend Payment Date - $0.52, Common Share Dividend Record Date - $0.52, AT&T at Barclays Future of Media Conference, AT&T at Bernstein Strategic Decisions Conference, AT&T at Cowen Technology, Media & Telecom Conference, Fixed Rate Reset Perpetual Preferred Stock, Series B Dividend Payment Date - 3,448.42896174863 per preferred share, Fixed Rate Reset Perpetual Preferred Stock, Series B Dividend Record Date - 3,448.42896174863 per preferred share, John Stephens at Citi Global TMT Conference, Igal Elbaz at Oppenheimer 5G Summit on December 15, Scott Mair at Barclays Global Technology, Media and Telecommunications Conference on December 9, John Stankey at UBS Global TMT Conference on December 8, John Stephens at Morgan Stanley European Media, Tech and Telecom Conference, Q3 2020 AT&T Inc. Earnings Conference Call, John Stankey at WSJ Tech Live Conference on October 19, AT&T at Goldman Sachs Communacopia Conference, Q2 2020 AT&T Inc. Earnings Conference Call, Q1 2020 AT&T Inc. Earnings Conference Call, Q4 2019 AT&T Inc. Earnings Conference Call, Q3 2019 AT&T Inc. Earnings Conference Call, Q2 2019 AT&T Inc. Earnings Conference Call, Q1 2019 AT&T Inc. Earnings Conference Call, Q4 2018 AT&T Inc. Earnings Conference Call, Q3 2018 AT&T Inc. Earnings Conference Call, Q2 2018 AT&T Inc. Earnings Conference Call, Q1 2018 AT&T Inc. Earnings Conference Call, Q4 2017 AT&T Inc. Earnings Conference Call, AT&T Press Conference on Time Warner Merger, Q3 2017 AT&T Inc. Earnings Conference Call, Q2 2017 AT&T Inc. Earnings Conference Call, AT&T Inc. 2017 Annual Meeting for Stockholders, Q1 2017 AT&T Inc. Earnings Conference Call, Q4 2016 AT&T Inc. Earnings Conference Call, AT&T Acquisition of Time Warner and 3Q16 Results, Q2 2016 AT&T Inc. Earnings Conference Call, Q1 2016 AT&T Inc. Earnings Conference Call, Q4 2015 AT&T Inc. Earnings Conference Call. Our adjusted diluted earnings per share of $2.84 decreased 11.5% compared with our Q3 2021. Yes. Michael Cherny -- Bank of America Merrill Lynch -- Analyst. Date Open Morgan Stanley Maintained Buy $59 Q3 2024 Earnings Release: 10/11/2024: Wells Fargo & Co. Past Events. Congratulations on a nice result this quarter. : Spam and/or promotional messages and comments containing links will be removed. Our next question comes from Tim Hsiao with Morgan Stanley. Durch Klicken auf Alle akzeptieren erklren Sie sich damit einverstanden, dass Yahoo und unsere Partner Ihre personenbezogenen Daten verarbeiten und Technologien wie Cookies nutzen, um personalisierte Anzeigen und Inhalte zu zeigen, zur Messung von Anzeigen und Inhalten, um mehr ber die Zielgruppe zu erfahren sowie fr die Entwicklung von Produkten. The way that we think about payment terms, we do see a little bit less kind of upfront annual payments. During the first 9 months of 2022, we received LTC in-force rate action approvals impacting $610 million of annualized in-force premiums with a weighted average increase of 33%. The Earnings ESP for Morgan Stanley MS is +0.59% and it carries a Zacks Rank #3, at present. For years, Bank of America wanted to live up to its name and become the biggest bank in the country. And then does either your direct contracts with brochures either mitigate that or shield that, or does your new collaboration with Express Scripts shield you or mitigate you from that scenario I just mentioned? One of the things that we're seeing in this macroeconomic environment is that there are industries and companies that are much more immune to the macro changes. One moment for our next question, please. I think, you talked about Ryder, M&T Bank, FactSet, Unilever. risk, allowing investors to make better decisions and streamline their work ow. All Rights Reserved. For instance, do you think that they're waiting to see a Fed pivot or waiting to see lower inflation numbers? Genworth will participate in a share repurchase program to maintain our current ownership of approximately 82%. Helpful color there. So I would say that we're continuing to, obviously, raise our expectations. However, if AXA is successful in claims against Santander, we are optimistic that we will be able to recover a significant portion of the approximately $830 million that Genworth has paid to AXA as part of our settlement agreement. In Q3, we sold the largest expansion deal in the company's history, another eight-figure TCV client. G&A expense for Q3 was $27.7 million, representing 21.5% of net revenues compared to 27.7% in Q3 2021. Date. So that's something we'll certainly consider. As we've executed on our strategy, our team has delivered solid operating performance, which I'll review at a high level, beginning on Slide 5. Only post material thats relevant to the topic being discussed. Although these two other settlement agreements are similar to the first legal settlement for our Choice 1 policies, final results will ultimately depend on policyholder election rates and the types of elections chosen. 77% of retail CFD accounts lose money, EXCLUSIVE: Benzinga Moneymaker Series: Top 5 Stocks For Investors To Watch. Enact continues to deliver strong performance, driven by execution of its cycle-tested growth and risk management strategy. We're very proud of the progress we've made on our long-term value-creation strategy. We're driving additional merchandise spend for, there's for customers who are in places, in stores not using their pharmacy, we're getting them to use their pharmacies, we're driving additional adherence. We see that as the leverage point to continue to grow the business. Perpetrators of spam or abuse will be deleted from the site and prohibited from future registration at Investing.coms discretion. Q2 2021 Earnings Call Transcript. As a result, we've entered the fourth quarter with a greater level of flexibility, which enables us to advance our objectives to invest in growth and return capital to shareholders as we continue to navigate this economic environment. Just to clarify, is it just like, do you expect that to be kind of a push-out in timing? We look forward to continuing to empower our existing policyholders, but also new customers and their families to navigate the aging journey with confidence. With that, I'll turn the call over to our CEO, Henry Schuck. Customers are now able to streamline prospecting and engagement in SalesOS, using one-click engagement, advanced sales automation and the integration of conversation intelligence. Genworth's holding company debt is now $900 million. [Operator instructions] As a reminder, the conference is being recorded for replay purposes. On our second-quarter earnings call, Doug, Karsten, and I talked about our focus on adjusted EBITDA, which we can control, and I also talked about taking a hard look at all of our costs and expenses and reprioritizing where and how much we spend across the business and all of our offerings. We continue to expect full year 2022 net intercompany tax payments to the holding company of $200 million to $250 million. Get the latest news and real-time alerts from Apple Inc. (AAPL) stock at Seeking Alpha. To make the world smarter, happier, and richer. A lot of the questions have been asked and appreciate all the answers. In 1998, it achieved that goal, when NationsBank (the only bank it was trailing) bought Bank of America but kept the name post-merger. As we look to balance investments in our team and build the GoodRx brand more efficiently. And while peak claim years are somewhere in the 83%, 85% range. So, I guess really the scenario question now is, what would be the expected impact that GoodRx in 2023, if that Kroger Express Scripts PBM contract is terminated on 12/31/22, if any? I want to ask a little bit about the new profitability focus, just in light of both the press release and prepared remarks really point to a greater focus on cash conversion. So, can you help me reconcile the guide and your commentary on the improvement, and is this a function of conservatism on your end? However, as we've discussed previously, this offering comprises relatively large, often multimillion-dollar deals that can create quarterly volatility. Great. 358%. And we are -- I think, as you might expect, customers are looking for flexibility in other places, including payment terms. Thanks for taking my question. One moment for our next question. Get all the latest India news, ipo, bse, business news, commodity only on Moneycontrol. It comes from Stephanie Davis with SVB Securities. Over time, we plan to expand this offering across the U.S. market to meet the long-term care navigation and vice needs of the more than 7 million baby boomers as they approach their peak LTC claim years. Morgan Stanley reported Q3 earnings that were below expectations. Title. As a result of this multiyear effort, we have very manageable interest expense obligations moving forward our pro forma cash flow coverage, inclusive of intercompany tax payments is approximately five times. So, when you look at the grocer as having historically represented approximately 20% of volume, just shy of 25% of revenue to where they are today that much lower percentage today in the very low single-digits, even if it's growing slightly, doesn't really impact the aggregate number -- dollar number associated with the amount of revenue that we've forgotten with the grocer. We're helping retailers drive their strategic initiatives and improve their unit economics while maintaining the strength of our own economics. The survey also found that almost 80% of consumers reported that they purchase nonprescription items such as general merchandiser groceries when picking up a prescription, spending an additional $40 or more on average at the pharmacy counter. Sure. And so again, 83, 85, so you are 7 to 10 years away. Thank you. This higher interest rate environment allows us to invest at attractive new money rates, which will benefit the portfolio over time. One moment for our next question. Are they really for the multiproduct deals, sort of the multiple components of RevOS? When taking family subscriptions into account, 1.5 million total members benefited from our subscriptions offering during the quarter. We'll continue to follow it. Since this started very late in the quarter, it only modestly impacted Q3 results. [Operator instructions] Ladies and gentlemen, as there are no further questions, I will now turn the call back over to Mr. McInerney for closing comments. I don't know if -- thanks, Mark. And that certainly in the short term has an impact on the conversion of free cash flow from adjusted operating income. At Morgan Stanley, we lead with exceptional ideas. Allowing consumers to provide us with more information through registration increases, the LTV of each user in prescription transactions and other areas of the business over time as we leverage data to create new tools and products in quarters and years to come. We delivered 7% days adjusted sequential revenue growth in the third quarter. I mean, I think, we are shifting from being playing in a $24 billion total addressable market that's focused on global and domestic data to a $100 billion total addressable market that drives a full go-to-market end-to-end revenue operations suite. The 90 NPS with providers and with consumers mean both sets of constituencies are hardly receptive to being approached and being served by us with respect to pharma manufacturers. Even negative opinions can be framed positively and diplomatically. I think in the interim period though, particularly with respect to Manufacturer Solutions, given what we're seeing going on in the marketplace and how with pharma manufacturers taking longer to make decisions around marketing spend and being somewhat more focused on spend period in the fourth quarter, which could extend into 2023 as well. Income from bond calls and commercial mortgage loan prepayments was also lower than the prior year, given the significantly higher rate environment. These elements, particularly EBITDA and cash conversion are largely in our control. BAC stock price was relatively flat throughout the 1980s, but the thriving economic period in the 1990s would bring Bank of America and BAC stock price to the forefront of Wall Street finance. NEW YORK, October 14, 2022 Morgan Stanley (NYSE: MS) today reported net revenues of $13.0 billion for the third quarter ended September 30, 2022 compared with $14.8 billion a year ago. Anthony Steinmetz -- Shawnee Capital -- Analyst. Standalone AT&T & WarnerMedia Transaction, Supplemental Quarterly Pro Forma Financial Information, Supplemental Free Cash Flow Walk from Adjusted EBITDA. The Motley Fool has a disclosure policy. It's about $30 billion TAM, split $20 million to healthcare providers and $10 million to consumers. So it's down about 5% from where we saw last year in terms of annual upfront payments as a percentage of the total deals that we have. But anything you can add there and around just confident in the ability to return to the targeted levels if that remains the case. It will have no impact on our cash flows, statutory accounting, capital position, capital returns or business strategy for our U.S. life insurance companies. Yes, thank you for the question. Following a careful review of our business structure, we implemented an organizational realignment to operate more effectively and efficiently. Over the last decade, GoodRx has been embraced by healthcare providers who see firsthand the consequences their patients face when they choose not to fill prescriptions or to get care because it simply costs too much. We have made multiple updates to automate the provisioning and deprovisioning of users, the ability for admins to manage and connect email accounts across their user base, driving better adoption within Chorus, as well as a self-service path for purchasing additional seats, data credit and advertising media spend. This Friday, were taking a look at Microsoft and Sonys increasingly bitter feud over Call of Duty and whether U.K. regulators are leaning toward torpedoing the Activision Blizzard deal. Henry Schuck -- Chief Executive Officer and Founder. The single A bond rate as of the January 1, 2021 transition date was materially lower than our discount rate of over 5% under the existing guidance. We advise you to read the cautionary notes regarding forward-looking statements in our earnings release and related presentation as well as the risk factors of our most recent annual report on Form 10-K as filed with the SEC. I think as you alluded to on this call, you reiterated the communication from August that the grocery dispute was resolved and your direct relationships with retailers such as grocers as a key positive development. Good morning. What, just trying to think about visibility and how much of this is coming out of more of the consumer-facing versus physician side. The Earnings ESP for Morgan Stanley MS is +0.59% and it carries a Zacks Rank #3, at present. At the midpoint, this represents revenue growth of 47% relative to 2021 and adjusted operating income margin of 40%, and we expect to deliver more than $1 per share in unlevered free cash flow in 2022. On a U.S. GAAP basis, the Life businesses and runoff together had adjusted operating income of $20 million in the third quarter. And while it's less impacted than just data, it is impacted by the capacity issue that we've discussed overall. Thank you. Thank you. Thank you so much. Any such forward-looking statements represent management's estimates as of the date of this call, and we disclaim any obligation to update these statements, even if subsequent events cause our views to change. At the same time, the reality is that I don't think we expect to see volume levels for the grocer anywhere close to historical ones. So if you take a look at sort of those three companies I talked about Ryder, USI, Taylor Corporation, we consolidated throughout those accounts, sales engagement, conversation intelligence, account-based marketing platforms and data providers, and so it takes a bit more time to do those consolidations. Scott Schoenhaus -- KeyBanc Capital Markets -- Analyst. Shares of Bank of America once again bottomed out, though not quite a record, in February 2009, when BAC stock price again went below $4. I'd also like to remind everyone that a replay of this call will become available there shortly as well.With that, I'll turn it over to Doug. The Earnings ESP for Morgan Stanley MS is +0.59% and it carries a Zacks Rank #3, at present. Coupang, Inc. (CPNG) Q2 2021 Earnings Call Transcript. And a $15 billion market cap financial data services company was looking to rationalize spend across their tech stack without losing the efficiency of their sales team in the face of an uncertain macro environment. Moodys Daily Credit Risk Score is a 1-10 score of a companys credit risk, based on an analysis of the firms Great. In addition to our strong retail relationships, we continue to have robust and strong partnerships with our network of PBMs and we never have had a PBM terminate its relationship with GoodRx. When you think of all of the monthly visitors that come to GoodRx's platforms, which number in the tens of millions, those visitors are all visitors for whom pharma manufacturers benefit in particular because again, as Trevor said, we tend to be very deep in the funnel folks who are actually looking for a particular medication or a savings opportunity on it. 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