Portugal D7 Visa – The Portugal Retirement Visa for Passive Income Earners

Discover everything about the Portugal D7 Visa often called the Portugal Retirement Visa or Passive Income Visa: eligibility, income requirements, application steps, tax benefits, comparisons with Spain & Thailand visas, and how to get started with expert help from MetConnect.

Lisbon’s terracotta rooftops and historic architecture

The Portugal D7 Visa – often called the Portugal Retirement Visa or Passive Income Visa – is a type of long-stay residence visa for non-EU/EEA/Swiss nationals who can financially support themselves (for example, on pensions, dividends, rentals or other passive income).

It grants two entries and is valid for 4 months (120 days) to enter Portugal, after which the holder must apply for a residence permit. This visa is intended to attract retirees, remote workers and other “passive income” earners to live in Portugal. In short, the D7 is ideal for anyone who wants Portuguese residency without a large investment – as long as you meet the income and documentation requirements.

Key beneficiaries of the D7 are retirees living on pensions, property owners earning rent, investors with dividends, or others with stable monthly income from abroad. Unlike some visas, the D7 explicitly allows the holder to work remotely in Portugal or even engage in local professional activities (the Portuguese government notes holders are “not precluded from having a professional activity in Portugal”).

Dependents (spouse, minor or dependent children, dependent parents, etc.) can apply together under family reunification. In effect, the D7 visa is Portugal’s way of inviting financially self-sufficient foreigners – often retirees – to settle in the country.

Portugal D7 Visa Requirements

To qualify for the Portugal D7 (Passive Income/Retirement) Visa, applicants must satisfy the following general criteria:

Nationality:
You must be a citizen of a non-EU/EEA/Swiss country.
Financial Self-Sufficiency:
You need stable, regular passive income at or above the Portuguese minimum wage. For 2025, that is about €870 per month (≈€10,440 per year) for the main applicant. Common income sources include pensions, annuities, rental property income, dividends, interest, capital gains, royalties, or similar. In practice, consulates typically expect you to show bank statements or official statements confirming roughly one year’s worth of minimum-wage income (≈€10,440) in a Portuguese bank account during the application period. If you have dependents, you must add about 50% extra income for a spouse (≈€5,220/year) and 30% for each child under 18 (≈€3,132/year).
Minimum Funds Proof:
You must demonstrate these funds with official documents (e.g. pension award letters, rental contracts, dividend statements, bank deposit slips) and bank statements. Retirees should provide an apostilled certificate of pension or retirement income. All documents must be official (apostilled or authenticated) and translated if needed. MetConnect’s NIF Portugal service can help you obtain a Portuguese tax number (NIF) and open a local bank account to hold the required funds.
Health Insurance:
You must have travel/health insurance covering emergency medical costs and repatriation for the duration of your stay in Portugal. The minimum coverage is €30,000 for medical emergencies. Private expat health insurance is mandatory for the visa application.
Accommodation:
You must show proof of accommodation in Portugal, such as a long-term rental contract, property deed, or letter from a host (with a signed “term of responsibility”). Consulates generally expect a lease of at least 12 months. If you already have housing, provide the rental contract or purchase agreement. Otherwise, you can sign a lease after arriving in Portugal. (MetConnect can assist with legalizing rental contracts through its Rental Contract service).
Intent to Reside:
You must intend to live in Portugal. Practically, this means spending a majority of your time there. By law, D7 residents should typically remain in Portugal at least 6 months per year (about 183 days). Equivalently, the official rule is spending at least 16 months in Portugal over the first 2-year permit period. (This ensures you are a true resident and not just visiting.)
Other Requirements:
You must obtain any required visas or permits to travel to Portugal (if you are from a country that needs a Schengen visa), and you must prove you will return to Portugal (round-trip flight reservation). Upon arrival, you’ll also need to register your stay with the local town hall (Junta de Freguesia) and apply for the residence card.

In summary, eligibility hinges on financial means. The Portuguese consulate checklist explicitly says D7 is for those “who wish to reside in Portugal based on their own income, such as pensions, property rents, company profits and dividends (passive income holders)”. In practice, meeting the income threshold and providing all documentation (with proper legalization/apostille and translations) are the core hurdles. (MetConnect’s services can support you here – see [ NIF Portugal] and [ Bank Account Portugal] in their Our Services

Document Checklist for Portugal D7 Visa Application

Document
Details
Notes
Valid Passport
Must be valid for at least 6–12 months
Include all stamped pages
D7 Visa Application Form
Fully completed and signed
Available on embassy/VFS website
2 Passport-Size Photos
White background, recent
Per biometric standards
Proof of Passive Income
Pension letters, rental agreements, dividends, etc.
Minimum €870/month (main applicant)
Bank Statements
Showing at least 12 months of required income
Portuguese account preferred
Criminal Record Certificate
From country of residence
Apostilled and translated
Proof of Accommodation
Rental lease (12 months), property deed, or host letter
Must cover initial stay
Health Insurance
Private plan covering €30,000+ in emergencies
Required for the visa stage
NIF (Tax Number)
Portuguese tax ID
Apply in advance – MetConnect can assist
Cover Letter (Optional)
Explaining intent to move, income sources, lifestyle plans
Recommended to support application
Marriage/Birth Certificates
For spouse/dependents (if applying together)
Apostilled and translated

Have a question or want more information? We are here to help!

Step-by-Step Application Process

Applying for the D7 visa involves multiple steps, which may vary slightly by country, but generally include:

Gather Documents:
Collect all required documents before booking a consulate appointment. This typically includes a completed visa application form, a valid passport (with at least 1 year validity), two passport-style photos, proof of income (pension statements, rental contracts, bank statements, etc.), travel/health insurance certificate, and a clean criminal record certificate (apostilled) migrun.tech . You’ll also need proof of accommodation (rental contract or letter from host) and, if applicable, documents for any family members. (MetConnect can help. You should also obtain a Portuguese NIF in advance – MetConnect’s [NIF Portugal] service can handle this).
Visa Appointment:
Book an appointment with the Portuguese consulate or visa center in your home country (often via VFS Global for U.S., India, etc.). At the appointment, submit all documents (in the prescribed order, typically unbound and with translations). The consulate may ask additional questions or documents, and will stamp your passport if visa is granted. (Processing time is typically several weeks; one guide notes visas can be approved in “as little as three weeks”, though wait times vary by post.)
Receive the D7 Visa:
If approved, you’ll get a D7 entry visa in your passport, valid for two entries over 120 days. Use it to travel to Portugal within that 4-month period.
Travel to Portugal:
Before your arrival, secure accommodation (rental or purchase). Upon landing in Portugal, within the validity of the visa you must go to the Immigration and Borders Service (the new AIMA office, formerly SEF) to apply for your residence permit. Before that, you’ll also need to:
Register your address at the local Junta de Freguesia (town hall).
Open a Portuguese bank account and deposit the required funds (usually one year’s minimum income). MetConnect’s [Bank Account Portugal] service can assist with opening an account remotely.
Obtain a Portuguese Social Security number (NISS) if you plan to work or for family purposes (MetConnect’s [NISS Portugal] service is available).
Collect any required local paperwork (e.g. passport photos, application forms from AIMA).
AIMA Appointment and Residency Card:
Attend your scheduled AIMA appointment in person. You’ll present your visa and all original documents (passport, visa page, NIF, proof of income and accommodation, police certificate, etc.). You’ll have fingerprints and a photo taken, and submit the application for a residence card (Autorização de Residência). At this interview, you must ensure any missing documents (e.g. translations, apostilles) are provided. After approval, AIMA issues a temporary residence card (valid 1 year) , and later a second card (usually 2 or 3 years). This card must be carried at all times and renewed before expiry.

Each of these steps is critical. Once the visa is granted, MetConnect’s advisors can also help you schedule the AIMA appointment and prepare for the interview. Our team offers full support – and provide “comprehensive assistance tailored to meet the needs of [our] clients” looking to reside in Portugal.

Portugal D7 Visa Application Timeline

Stage
Timeline
Details
Pre-Application
1–2 months
Obtain NIF, open bank account, prepare documents
Visa Application
Variable
Consulate appointment and decision (3–8 weeks average)
Entry Visa Validity
4 months
Two entries allowed, must enter Portugal within this time
Arrival in Portugal
Day 0
Register address, prepare for AIMA appointment
AIMA Appointment
Usually within 1–3 months
Submit biometrics and get residence permit
1st Residence Permit
Year 1
Valid for 1 year
1st Renewal
Year 2 → 4
Renewed for 2 years
2nd Renewal
Year 4 → 6
Renewed for 2 more years
Permanent Residency / Citizenship
Year 5+
Apply for PR or citizenship after 5 years of legal residency

Have a question or want more information? We are here to help!

Renewal & Path to Residency/Citizenship

After receiving your initial residence card, the renewal and permanence timeline is:

Residency Permit Validity:
On arrival, you typically receive a 1-year residence permit (Autorização de Residência) on a plastic card. During this year you must register for taxes, social services, etc.
First Renewal:
Before the first permit expires, apply to renew. Renewal permits are usually valid 2 years. According to immigration guides, after the first renewal you receive a 2‑year card (making 1+2=3 years total).
Second Renewal:
Renew again after that 2-year permit (typically another 2-year permit, reaching 5 years total).
Permanent Residency:
Once you have 5 years of legal residency, you become eligible to apply for a Permanent Residence Permit (Permissão de Residência Permanente). This permit is usually granted for 5‑year validity and can be renewed indefinitely.
Citizenship:
After 5 years of residence, you may also apply for Portuguese citizenship (naturalization) – Portugal allows dual nationality. Citizenship requires passing a basic Portuguese language test (A2 level) and demonstrating ties to the community.

In short, D7 is a “pathway” visa: one can renew the residence permit until the 5-year mark and then apply for permanent residency or citizenship.

During these years, you must continue to meet the core requirements: not lapse on passive income or insurance, and maintain the minimum presence in Portugal (the 6 months/year). In practice, most D7 holders go back to AIMA every 1-2 years for renewals. Each renewal will again require proof of accommodation, income, health insurance, etc. MetConnect assist clients with each renewal (e.g. updating documents, booking the AIMA appointment, etc.) to ensure compliance.

Typical Portugal D7 Visa Cost Breakdown

Expense
Estimated Cost
NIF (Portuguese Tax ID)
€10–€30
Portuguese Bank Account Setup
Free to €100 (depends on bank)
Health Insurance
€400–€1,200/year (based on age & plan)
Document Apostille & Translation
€10–€100+ per document
Visa Fee (Consulate)
~€90
SEF/AIMA Residence Permit Fee
~€180
Flight to Portugal
€200–€1,000+ (varies by origin)
Rental Deposit (Initial Housing)
1–3 months’ rent (e.g., €600–€3,000)
Legal Assistance (optional)
Varies – MetConnect offers packages

Have a question or want more information? We are here to help!

Tax Benefits and NHR Status

One big attraction of Portugal historically has been its Non-Habitual Resident (NHR) tax regime. Under the old NHR rules (now closed to new applicants), qualifying new residents could pay very favorable taxes for 10 years: a flat 20% rate on most Portuguese income and 0% tax on most foreign-sourced income (including dividends, interest, rental income, etc.). In particular, foreign pension income was often fully exempt (0%) for NHR retirees.

However, recent changes have curtailed these benefits for new applicants. As of December 31, 2023, Portugal’s government ended the old NHR program for newcomers. A transitional window existed through early 2024 for those who already met certain conditions, but for most new applicants it’s gone.

This means new D7 entrants can no longer expect the old 10-year tax breaks. Those who qualified under the old rules by late 2023 can still apply through early 2024, but everyone else must live under the new regime (sometimes called “ IFICI”). Under the new rules, most foreign income (especially foreign pensions) is taxed normally or with limited relief. For example, new NHR (IFICI) now imposes a 10% flat tax on foreign pensions instead of 0%, and only exempts professional (employment/self-employment) income.

Nonetheless, Portugal still offers a relatively attractive tax environment: there is no wealth tax or inheritance tax for direct heirs, and the general personal income tax rates (14.5%–48%) are comparable to other EU countries. Even without NHR, many retirees benefit from lower living costs and still-pay tax mainly on local pensions/earnings. It’s wise to consult a tax professional. MetConnect offers an NHR Tax Consultation service to guide you on the current tax rules and whether any transitional benefits might apply.

Lifestyle Appeal

Beyond formalities, the lifestyle in Portugal is a major draw for retirees and remote workers alike. Portugal is known for its mild climate, scenic beauty, and high quality of life. Even in winter, coastal areas like the Algarve enjoy moderate weather. The country is safe – ranked 7th safest in the world by the Global Peace Index – and boasts a relatively low cost of living compared to Western Europe.

Public healthcare is excellent, and as a legal resident you get access to the Portuguese National Health Service (SNS). (In fact, after your residency permit is approved you can register for SNS and use public healthcare like any citizen.) Portugal also has high-quality private health care.

For retirees, Portugal’s quiet coastal towns and historic cities are particularly popular. Lisbon and Porto offer cultural amenities and healthcare, while regions like the Algarve (e.g. Faro) and Silver Coast are famed for sunshine, beaches, golf, and expat communities. For example, Lisbon “is renowned for its vibrant culture…with a mild climate, excellent healthcare facilities, and a relatively low cost of living compared to other Western European countries”. The Algarve (“sunset capital of Portugal”) enjoys over 300 days of sun and has large English-speaking retirement communities. Foreigners consistently report that locals are friendly and many Portuguese speak English, making daily life easier.

For remote workers, Portugal has good internet and co-working options (especially in Lisbon, Porto, and large towns), and the one-year D7 visa can be renewed indefinitely by meeting requirements. Its time zone (Western European Time) is convenient for communicating with both American and European contacts.

Portuguese culture is relaxed and community-oriented, and the country’s historic towns, rich cuisine and wine, and stunning landscapes provide a high quality of life for those who can afford it. As one expat guide notes, Portugal’s benefits include “a budget-friendly option for savings… excellent education and healthcare systems” and “a safe environment” with exceptionally low crime.

Portugal vs Spain vs Thailand Retirement Visas

Below is a feature-by-feature comparison of Portugal’s D7 (Passive Income) Visa, Spain’s Non-Lucrative Retirement Visa, and Thailand’s Retirement Visa (Non-Immigrant O-A). These are popular long-stay visas for retirees, but they have different rules and costs.

Portugal D7 Visa (Retirement/Passive-Income Visa)

Move to Portugal with the D7 Visa, ideal for retirees and passive-income earners. Enjoy Schengen travel, family reunification, and a path to EU residency.

Purpose/Age
No minimum age (anyone with required income). Targets retirees and passive-income earners
Income Requirement
≈ €870/month for main applicant (100% of Portuguese min. wage in 2025) . Add +50% for spouse, +30% per child.
Proof of Funds
Bank statements or apostilled certificates of income (pensions, rents, dividends, etc.). Show one year’s funds in Portuguese bank.
Health Insurance
Required. Private health insurance valid in Portugal (usually covering emergencies, repatriation) during visa issuance. After residency, Portuguese SNS (public health) is available.
Work Allowed
Yes (remote/independent). D7 holders can engage in professional activities in Portugal , subject to Portuguese laws.
Family Reunification
Yes. You can bring spouse, children (including dependent adult children), and dependent parents. Each will get their own residence cards.
Visa Validity & Renewal
Initial visa valid 4 months (two entries). Then a 1-year residence permit is issued, renewable (usually as 2-year permits) . In practice, after the first year you renew for 2 years, then again for another 2 years.
Path to Permanent Residence
After 5 years of residency, you can apply for Portuguese permanent residence. Citizenship may follow (with language test).
Travel
Schengen Freedom. Once you have the D7 visa and residence permit, you can travel freely within the Schengen Area. The initial D7 entry visa itself lets you enter Portugal and, once converted to a permit, you can visit other EU/Schengen countries without extra visas.
Cost of Living
Portugal’s living costs (housing, food, healthcare) are moderate by Western Europe standards. It is notably cheaper than the US or UK, and healthcare is affordable. Safety and expat friendliness are very high.
Tax Notes
Under D7 you become a Portuguese tax resident. If you entered under old NHR rules (unlikely post-2023), you might have enjoyed special tax rates. Now, without NHR, you pay normal Portuguese taxes on your global income. Portugal has no wealth tax or inheritance tax for children.

Spain Retirement Visa (Non-Lucrative Visa)

Retire in Spain with the Non-Lucrative Visa. No work allowed, but enjoy Schengen travel, top healthcare, and apply for permanent residency after 5 years.

Purpose/Age
No minimum age (must be able to support self without working). Called “Non-Lucrative” visa.
Income Requirement
€2,400/month (≈€28,800/year) proof of stable income. Plus ~€600/month extra per dependent.
Proof of Funds
Original income documents (pensions, savings, annuities, etc.), plus bank statements to show you have the required €28.8K. Must also buy private health insurance.
Health Insurance
Required. Spanish-approved private health insurance (full coverage in Spain) for applicant and dependents.
Work Allowed
No. Non-Lucrative visa prohibits any work or business activities. You must rely solely on passive income.
Family Reunification
Yes. Spouse, dependent children, and in some cases parents can join (via separate applications) . Each must also meet financial and insurance requirements.
Visa Validity & Renewal
Initial visa typically 1 year, then you apply for a 2-year residency card (Renewable every 2 years). After 5 years of continuous residence you qualify for permanent residency; citizenship possible after 10 years (or 5 if from certain countries).
Path to Permanent Residence
After 5 years of residency, you can apply for permanent residency (and after 10 years for citizenship, with language test).
Travel
Schengen Freedom. Similarly, the Spanish residency permit allows visa-free travel in Schengen.
Cost of Living
Spain’s living cost is generally higher than Portugal’s (especially in Madrid/Barcelona), but varies by region. Healthcare and amenities are excellent. Overall safe, but slightly less so than Portugal (Portugal ranks ~7th in peace index, Spain ~23rd).
Tax Notes
Spanish tax residents pay normal progressive rates on worldwide income. There is no special tax-for-expats program. Spain has wealth and inheritance taxes (though allowances vary).

Thailand Retirement Visa (O-A Long Stay)

Retire in Thailand with the O-A Visa. For applicants 50+, offering low cost of living and tropical lifestyle. No work, but renew annually and stay long-term.

Purpose/Age
Must be 50+ years old to apply.
Income Requirement
65,000 THB/month (~US$1,800) OR deposit 800,000 THB (~US$22,000) in Thai bank. (Also medical certificate & Thai health insurance required.)
Proof of Funds
Bank statements showing monthly income or bank book showing 800k THB deposit held 2 months before applying. Thai health insurance is mandatory.
Health Insurance
Required. Thai health insurance (minimum coverage as per immigration rules). Must hold it for initial 1-year visa.
Work Allowed
No. Retirement visa holders are not allowed to work in Thailand. Spouses can hold a work permit if qualified, but primary visa does not permit work.
Family Reunification
Limited. No automatic reunification. Spouse and children must each obtain their own visa (e.g. family visa or separate O-A application).
Visa Validity & Renewal
Visa is granted for 1 year initially. Can be renewed annually in Thailand by meeting the same criteria (maintaining funds, insurance, etc.). You must report your address every 90 days to immigration.
Path to Permanent Residence
None via this visa. Thailand’s retirement visa is renewable indefinitely but does not lead to permanent residency or citizenship. (Long-term Thai residents must pursue different programs.)
Travel
Restricted to Thailand. The visa is for Thailand only. Travel outside Thailand (and re-entry) may require separate re-entry permits.
Cost of Living
Thailand has a low cost of living (especially outside Bangkok) – often cheaper than Portugal. Tropical climate and beaches are a plus. However, cultural/language barriers can be higher. Thai healthcare is good in major cities but may require out-of-pocket costs if not covered by insurance. Safety is reasonable, though petty crime exists.
Tax Notes
If you stay >180 days/year in Thailand, you’re taxed on Thai-sourced income; most retirees live on foreign pensions which are not taxed in Thailand. Thailand has no tax on foreign pensions under the retirement visa.

This comparison highlights major differences. In short, Portugal’s D7 requires the least income among the three (about €870 vs €2,400 vs ≈65,000 THB), allows family reunification and even local work, and leads to EU residency.

Spain requires more funds but similarly allows families, though it forbids working.

Thailand mandates an age over 50 and health insurance; it allows retirement in a tropical setting but provides no path to permanent residence and is limited to Thailand itself. Which visa is best depends on your priorities (e.g. EU access vs. climate vs. family).

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Ready to Start Your Portugal Journey?
MetConnect’s experts provide comprehensive assistance tailored to your needs. From obtaining your Portuguese NIF or NISS to drafting rental contracts or scheduling AIMA appointments, our services cover every step (see [NIF Portugal], [NISS Portugal], [Bank Account Portugal] in Our Services.

D7 vs. D8: Which is Right for Remote Workers?

While the D7 Visa is ideal for retirees and passive income earners, those who actively work remotely and earn from abroad may also qualify for Portugal’s D8 Digital Nomad Visa.

Feature
D7 Visa
D8 Visa
Income Type
Passive (e.g., pensions, rent, dividends)
Active (e.g., freelancing, remote job)
Monthly Income Required
~€870 (2025)
~€3,040 (4x minimum wage)
Residency Path
Yes
Yes
Work Authorization
Yes
Yes
Best For
Retirees, investors, remote earners with passive income
Freelancers, entrepreneurs, full-time remote workers

If your income is active and higher, D8 may be the faster, clearer path. MetConnect offers [ D8 Digital Nomad Visa] services as well.

Frequently Asked Questions

Any non-EU/EEA/Swiss citizen with steady passive income can apply. It’s commonly used by retirees living on pensions, rental or investment income, or by digital nomads with long-term clients. There is no upper age limit – both young and old can qualify, as long as the income criteria are met.

You must prove a minimum passive income roughly equal to the Portuguese minimum wage. As of 2025, this means about €870 per month (≈€10,440 per year) for you alone. If you have a spouse, add another 50% of that amount (≈€435 more per month); for each child under 18, add about 30% (≈€261 per month). In practice, show bank statements or pension/legal documents totaling at least one year’s worth of the required income. All income must be stable and “passive” (pension, rents, dividends, etc.).

You need a complete visa application package including: a filled visa application form, passport (valid 1+ year), two passport photos, proof of passive income (pension statements, rental agreements, bank statements, etc.), travel/health insurance certificate, criminal record certificate (apostilled), and proof of accommodation in Portugal (rental contract or ownership). You may also need a Request for Criminal Record Inquiry form from SEF. In short, bring identity documents, financial proof, health insurance, and address proof. (MetConnect’s services can help you obtain many of these: see [NIF Portugal] for the tax ID, [NISS Portugal] for social security, [Bank Account Portugal] for local accounts, and [Rental Contract] to formalize housing).

No, Portuguese is not required to get the visa. You can apply and live in Portugal without any knowledge of the language. However, for citizenship (after 5 years) you will need at least a basic (A2) level. Portuguese officials and many people in urban areas do speak English, but learning some Portuguese will certainly help with daily life.

Yes – the D7 visa does not forbid work. In fact, holders are explicitly allowed to engage in professional activities in Portugal. What cannot happen is reporting employment as “passive income” for the visa requirement. Your qualifying income must be from abroad or passive sources. But once living in Portugal on D7, you can also do local remote work, freelance, or start a small business just as a resident. (This distinguishes D7 from Spain’s Non-Lucrative visa, which forbids any work.)

You must actually reside in Portugal, not just visit. Legally, D7 residents should spend at least six months (183 days) per year in Portugal. Stated another way, you must stay at least 16 out of each 24 months in Portugal during your first two-year permit. If you leave Portugal for too long, you risk losing your permit. In practice, plan on making Portugal your primary home.

Processing times vary by country and workload, but D7 visas often take several weeks to a few months. Some reports say the consulate may approve the visa in as little as 3 weeks once all documents are submitted. However, appointments can be delayed and AIMA appointments in Portugal can be months later. Plan accordingly and apply well before you intend to move.

Use the visa to enter Portugal, then complete the residency steps: register your address at the local Junta, open a bank account, and go to your scheduled AIMA appointment for the residence permit. Once the residence card is granted, you’ll be a legal Portuguese resident. After that, you can access health care, get a NISS (social security number) if needed, etc. In short, after arrival you must quickly handle these formalities – MetConnect can guide you with each step, including booking the AIMA appointment and preparing your application at SEF.

Yes. Your spouse, children (even adult dependent children), and dependent parents are eligible for family reunification under the D7 visa. You must prove the relationship (marriage/birth certificates, apostilled) and show you can support them. Each family member will get their own residence card once approved.

Once your residence permit is approved, you can register for Portugal’s public health system (SNS) and receive care like a resident. During the visa application, however, you must have private health insurance. Many expats carry private plans initially and then sign up for SNS (or stay on a private plan) after legal residency is granted.

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