My benefit resources. Bike sharing services are not an eligible expense.
My benefit resources Page · Government organization. You Focus on Your Business. Find updated benefit information and helpful resources in our Disaster Resource Center. Social Media Facebook LinkedIn. Welcome to Benefit Resource (BRI)! This page is intended to provide you instant access to everything you need regarding your Flexible Benefits and Commuter Benefit Plan. For your benefit (FYB) Access personal benefits information and perform 2025 Open Enrollment for your Albertsons Companies, Inc. The purpose of the MSB Program is to provide military benefits information via websites, customized reports, and financial planning calculators for Service Members • Using your benefits card (if you have one through Benefit Resource) WHERE DO I FIND THEM? If your pre-tax account is administered through Benefit Resource, you can find your Plan Highlights by logging into the BRIWEB portal and visiting the Documents menu item. Benefit Resource Inc. Our client relationships are driven exclusively through a select group of associations and broker partners. You can use your account to request a replacement Social Security card, check the status of an application, estimate future benefits, or manage the benefits you already receive. S. Would you like to use online chat for assistance with your User ID/password? Every effort has been made to communicate this benefit information clearly and in easily understandable terms. Your Benefits are Live in myACI myACI Benefits allows associates eligible for Company health and welfare We would like to show you a description here but the site won’t allow us. A. From selecting a payment method to tracking the status of your distribution, MyBenefitElection. benefits ended on November 15, 2024. Powered by PenChecks, MyBenefitElection. Your Benefits are Live in myACI myACI Benefits allows associates eligible for Company health and welfare Benefit from detailed advice through our informative blogs and posts. Main site: Cigna. These details may also be included in your “Welcome to Beniversal” email. to 8:00 p. Access this site to review pension, medical, life, & HRA benefits you may be eligible for as well as wellness programs like the Tobacco Cessation Program. To begin, please log on by entering either your Username and Password, or if this is your first time visiting the site, please register by clicking the New User link. 2065 Mány, Mester sor 2. m. We would like to show you a description here but the site won’t allow us. • Using your benefits card (if you have one through Benefit Resource) WHERE DO I FIND THEM? If your pre-tax account is administered through Benefit Resource, you can find your Plan Highlights by logging into the BRIWEB portal and visiting the Documents menu item. Mailing Address: PO BOX 642, Willow Grove, PA 19090 WEBSITE AGREEMENT. Schedule a personalized phone enrollment session with a licensed benefits counselor who will explain your options, get to know your needs, and recommend benefits that may be best for you and your family. Data Controller: Benefit Systems S. As human resource professionals, we understand that time is a precious resource. Benefit Resource, LLC does not provide legal, tax or financial advice. Now, you'll manage and enroll in your benefits through the same system with myACI Benefits. View. Enter your company’s name. For reviewing screening results with employees, we can immediately view the data in My Benefits Channel and easily compare current data to that of a previous year. Require additional assistance with your personal benefits? A member of our team will be in touch shortly. Track your claim status; View coverage and benefit information; Benefit Resource and BRI are tradenames of Benefit Resource, LLC. You should consult a professional adviser regarding your personal Why Benefit Resources? Stay in Compliance. Lisa can also connect you with a web chat representative and other helpful resources. WEX Health, Inc. If there is any discrepancy between the information set forth above and the legal plan and trust documents, the terms of the legal plan and trust documents always govern. 67, Mány, Hungary Heti háromszor, illetve könyvtári programokkal szeretettel várjuk az olvasni, kölcsönözni, kikapcsolódni vágyó gyermekeket és felnőtteket. Resources for Members: Medical, Dental, Vision & Disability Insurance ; Solutions. Build your own medical plan, selecting from various coverage options. Office Address: 245 Kenneth Drive | Rochester NY 14623-4277 | (800) 473-9595. Current employees and retirees of the Johnson & Johnson family of companies can access these resources to manage their benefits, health tools and more. While bike sharing services promote a healthy lifestyle, they are not an eligible expense under a Mass Transit Account or Parking Account. Employers. My Service Benefits Program to Deploy New Calculators The Army’s My Service Benefits (MSB) Program falls under the Army G-1 Retirement Services Office in Arlington, Virginia. Resources For Living is available to you and your household members 24 hours a day, 365 days a year. Explore coverage options for you and your family, including Medicare. Features Include: Company Branded Web-based Portal; Homepage Messaging; Bulletin Board; Benefit Summaries; Insurance Company Contacts Benefit Resource and BRI are tradenames of Benefit Resource, LLC. Migration FAQs Get answers as your accounts are migrated from the 121 Benefits platform to BRI. Eladásra kínálunk egy 1184 m²-es telket Mány csendes, Kismány dűlő részén, távol a város zajától, mégis közel minden szükséges szolgáltatáshoz. Helps cover visits to doctors, dentists, and hospitals. 4383. Stay up-to-date with news and announcements, log in to your client portal and pay your bill online in Benefit Resources' Client Center. You can also change your contact, bank account, and beneficiary information — all in one place! The Benefits Center is powered by Alight Solutions. Health Care FSA Overview How to use your Health Care FSA to pay for qualified medical expenses. Your Benefits Resources Center uses state-of-the-art technology to ensure that only you have access to your benefits information. and Inspira Financial Trust, LLC. Life Event Services (LES) is an internal, highly specialized group that provides personalized support for major life events, including connecting employees to resources, benefits and counseling. Mailing Address: PO BOX 642, Willow Grove, PA 19090 In the U. Bike sharing services are not an eligible expense. Help with registration or login: 1 (800) 853-2713 (TTY/TDD dial 711) Other Cigna Websites . Since its inception, LES has supported teammates through more than 140,000 moments that matter for needs related to the following areas: If you're having trouble creating your account, please contact us and someone will gladly assist you. We can help make the intimidating process of group enrollment easy for both employers and employees. Mailing Address: PO BOX 642, Willow Grove, PA 19090 Benefit Resource Inc. try our. My Resource Helper is dedicated to empowering individuals by providing the tools and knowledge they need to improve their circumstances. pl or in writing at the following address: Pl. com or (855) 874-0267 This website is designed to highlight various employee benefit matters of general interest to our readers. Terms and Conditions: WEX Health, Inc. Hello. It specifically states “By using this card, I agree to be bound by all provisions of my Benefit Plan and the Beniversal Cardholder Agreement. Finances have a direct impact on your people’s health and vice versa. Europejski 2, 00-844 Warsaw, in an envelope marked ‘Dane osobowe’ [personal data]. You’ll find your Total Rewards Statement—a personalized snapshot of your total pay and benefits—plus tools and resources that can help you find an in-network doctor, save money when you need healthcare, enhance your wellbeing and more. Compare plans, find providers, enroll online or by phone, and The Alight enrollment tool is called Your Benefits Resources, or YBR. By connecting Mány Község Önkormányzatának hivatalos oldala. 750. The Benefits Support Center is your 24/7 online resource for all things benefits. Get help logging Once the benefits program is established, communicate it clearly to employees. Plan Administration; Plan Design We would like to show you a description here but the site won’t allow us. Periodically check back to see what's new because we're always updating content. You should consult a professional adviser regarding your personal We would like to show you a description here but the site won’t allow us. The on-going struggles of creating and maintaining the policies, processes and systems for successful delivery and compliance of human resources, employee benefits and payroll can consume most of an employer’s valuable time leaving insufficient time to apply their attention towards their most Virtually all mass transit vendors across the United States accept debit/credit payments. You can contact us by e-mail at daneosobowe@benefitsystems. We're ready to change that! Log in to discover all the ways we can help you and your family. mobile app BRI-OK Strengthen your value with My Benefit Advisor’s advisory team and resources. Voya has extensive resources available to help employees balance between living today and preparing for the future. PEOs help employers lower employee benefit costs and reduce administrative burdens in a variety of important areas, including employee benefits, human resources, payroll administration, risk management, and Worker’s Compensation. Why Your Decisions Matter Open Enrollment is here! Between 12:01 a. Get more out of your paycheck by taking advantage of the healthcare and commuter benefits your employer already provides. If you would like to view other Bank of America accounts you may have, visit www. The following resources, videos, and tools to help you maximize your experience with BRI. Find answers to frequently asked questions and additional resources on our support page. All Rights Reserved. Limited Purpose FSA Overview How to use your Limited Purpose FSA to pay for qualified dental and We would like to show you a description here but the site won’t allow us. Your browser is out of date! Download or upgrade to one of the following browsers to continue using MyBenefits. Stress less. Corporations and institutions. Strengthen your value with My Benefit Advisor’s advisory team and resources. Trying to understand all of the legal regulations for your retirement plan can make your head spin. Other Resources; Health Reimbursement Arrangements . Access the resources and tools you need, when you need them. Which Plan is Right for Me? Documents & Forms Frequently Asked Questions. mobile app BRI-OK Welcome to Your Pension Resources. Benefit Resource and BRI are tradenames of Benefit Resource, LLC. Provider Directory: hcpdirectory. 2920 from 11:00 a. Please review all benefits correspondence and materials from your HR department during this period. You can reach our Employee Care Center by email or phone: mybenefits@baldwin. My Benefit Advisor has the support and resources you need. You can also contact us: (800) 473-9595, Monday – Friday, 8am – 8pm (Eastern Time), by email at ParticipantServices@BenefitResource. These technologies may help to deliver advertisements that may be relevant to you, to limit the number of times you see an advertisement, to help measure the effectiveness of advertising campaigns, or to understand your behavior after you view an advertisement. All US benefits-eligible employees have a YBR profile, which is where you can make your benefit selections, review Log on to My Benefits Resources and use the Find Doctors and Facilities link (available on the medical election page) and the Find Dentists link (available on the dental election page) to Log in to access your Alight member account and discover all the benefits available to you. But wanting to put money away for retirement and other major life events is easier said than done. . This site is your one-stop shop to get answers about your MyChoice Details about what your Company Code and Member ID should be provided by your employer (likely during Open Enrollment or toward the start of your plan year). If you already have a myGov account, you don't need to create a new one. Also covers medicines ordered Advertising tracking technologies, such as behavioral advertising cookies, may be set by us, or by third parties. Mailing Address: PO BOX 642, Willow Grove, PA 19090 Strengthen your value with My Benefit Advisor’s advisory team and resources. Our Advisors offer in-depth analysis and are ready to help you successfully navigate Current employees and retirees of the Johnson & Johnson family of companies can access these resources to manage their benefits, health tools and more. Let us assume the hard work of making sure everything is in order. offers and provides webservices, including live chat site assistance, available at My Benefit Express™ to My Benefit Advisor guides employers of all sizes through planning, communicating, and managing a successful employee benefits program. For online purchases or recurring expenses, you will enter your 16-digit card number, expiration date and CVV number when prompted for payment. Access government services from one place. All US benefits-eligible employees have a YBR profile, which is where you can make your benefit selections, review your plan options, and update your benefits. A free and secure my Social Security account provides personalized tools for everyone, whether you receive benefits or not. Learn about the health and insurance benefits available for Bank of America employees earning $100,000 or more in PYCC. They are a great resource to quickly learn more about requirements, limitations, and Search below to find your company’s HR website. Beniversal Prepaid Mastercard ® – Instant access to account funds and widespread acceptance at approved merchants providing medical products and services accepting Debit Mastercard. Your Confirmation Statement will show your benefits and paycheck deductions along with covered dependents starting January 2025 Open Enrollment for your Albertsons Companies, Inc. Nokia) (the “Company”) (or its delegate[s]) reserves the right to modify, suspend, change or terminate any of the benefit plans at any time, subject to the terms of applicable bargaining agreements. Accessing My Account Submitting Claims Direct We would like to show you a description here but the site won’t allow us. My Benefit Partners’ technology allows you to communicate benefit plan options, reduce frequent and distracting benefit questions, electronically transfer data to insurance companies and increase compliance. Register for an account to access our client only resources. Paying for everyday medical and Pest megye határától 2 km-re, Mány külterületén kiadó egy 200 m2-es műhely. The Alight enrollment tool is called Your Benefits Resources, or YBR. You can also call the My Benefit Plans Center at 1. How We Beniversal Prepaid Mastercard ® – Instant access to account funds and widespread acceptance at approved merchants providing medical products and services accepting Debit Mastercard. Resources For Living. 855. Individuals & Families. com We would like to show you a description here but the site won’t allow us. 3200; Retirement Planning. Advertising tracking technologies, such as behavioral advertising cookies, may be set by us, or by third parties. Additional Contact Information. Please check [] We would like to show you a description here but the site won’t allow us. Plan Highlights provide a simplified overview of details about how your pre-tax benefit plan operates. Helps families with children age 18 and younger pay for basic needs. BRIMOBILE is the ultimate tool for managing tax-free accounts on-the-go. For your benefit (FYB) Access personal benefits information and perform Current employees and retirees of Deluxe can access resources to manage their benefits, health tools and more. Watch for your 2025 Open Enrollment Confirmation Statement mailed to your home in December. Please contact a Strengthen your value with My Benefit Advisor’s advisory team and resources. 866-568-7554 Benefit Resource and BRI are tradenames of Benefit Resource, LLC. With several options available, our employees have the opportunity to select the programs that best meet their individual and family needs. com carefully outlines your options at every step of the process. com . com and sign in to Online Banking using the Online ID and Passcode that you have established for Bank of America Online Banking. offers and provides the web pages available at My Benefit Express™ to its clients, their employees and the general public. Account information is available 24/7 when you log into the participant website or via the BRiMobile app for your mobile device. Our Advisors offer in-depth analysis and are ready to help you successfully navigate Create your personal my Social Security account today. We guide employers through the complexity of planning, communicating, and managing a successful employee benefits program. Explore the tools and resource pages to learn more about your BRI Benefits. Understand the expenses and services that your options cover. Chrome 80+ Firefox 52+ Edge 16+ Don't have an account yet? Sign Up Forgot your password? Recover Password Forgot your username? ©2020 Byrne Software Technologies, Inc. With myNYLGBS online portal, employers and employees have 24/7 access to real-time benefit information. All of the information contained in this communication may not apply to you if you are subject to a collective bargaining agreement. Our MBA program guides employers through the complexity of planning, communicating, and managing employee benefits. We even work directly with the IRS My Benefit Advisor benefits@mybenefitadvisor. Simply select the administrator of your plan below to access your secure, user-friendly member portal. From the My Benefit Plans Website, register as a new user and follow the prompts to provide requested information and set up your username and password. Deluxe Benefits Resource Center: The will provide answers to your health and welfare, 401(k) and additional questions. com puts you in control of your payment elections. Eastern time, Oct. For Health HSBC Employee Benefits Website | YBR Your Benefits Resources Login | Register | Enroll The Company YBR Benefits Center Phone Number: 1-800-847-0615 - HSBC Benefits Center or Call: 1-847-883-1215 if calling from outside the United States, Puerto Rico, or Canada Employee Benefits May Include the following: 401k, Go to Your Benefit Resources We would like to show you a description here but the site won’t allow us. Healthcare is very complex and frustrating. Participants should make no assumptions about any We would like to show you a description here but the site won’t allow us. Help your employees offset the rising costs of Strengthen your value with My Benefit Advisor’s advisory team and resources. Benefit Resource provides this information in the Plan Highlights, which can be found in the Documents section of the BRiWeb Participant login. For example: If you were hired in late 2024, here's how you enroll in 2024 and 2025 benefits Benefit Resource and BRI are tradenames of Benefit Resource, LLC. Your Benefits Resources Website: The YBR Web site is available 24 hours a day, seven days a week. You will find links to your plan documents, resources, videos, tools, and more to help you maximize your experience with BRI under the Enrollment & Plan Information section. Benefit Resource, LLC is an affiliate of Inspira Financial Health, Inc. Learn More. Contact Benefits Team . Contact Us Benefit Resource, LLC and its affiliates do not provide legal, tax or financial advice. My Benefit Advisor guides employers of all sizes through planning, communicating, and managing a successful employee benefits program. Az ingatlan aszfaltozott úton megközelíthető. There are also specialized accounts that your organization may offer to offset childcare or elder care expenses or commuting expenses. My Benefit Advisor is involved throughout the employee benefits and health insurance vertical, including carriers, vendors, associations, brokers, employers, employees, and individuals and families. Commuter Benefit The AT&T Commuter Benefit Program is an optional, transportation-related benefit (available to some bargained employees) that lets you pay for certain costs associated with public transportation, van pools and work-related parking with money deducted from your paycheck before taxes are applied. How We Benefit Resource and BRI are tradenames of Benefit Resource, LLC. The services are free and confidential. Benefit Information. SNAP Food Benefits. View eligible merchants with an inventory system (often referred to as IIAS merchants) or 90% merchants (which will typically require a receipt) BRIWEB – Your secure online resource for Which Plan is Right for Me? Documents & Forms Frequently Asked Questions. Access FOR YOUR BENEFIT (FYB) to manage your personal benefits and perform other related transactions. Mailing Address: PO BOX 642, Willow Grove, PA 19090 BRIWEB provides you with instant access to account details 24/7 – check your balance, submit claims/receipts, update contact information, set up direct We will maintain the confidentiality of your personal information in accordance with our privacy policy. BenefitResource. Additional Phone Numbers Other Phone: (585) 424-5200 Other Phone: (866) 996-5200. In January 2022, we launched myACI, the system you use to update your personal information, submit absences, access training, compensation, performance, and more. Provide detailed information about each benefit, eligibility criteria, and how to access these We integrate retirement benefits with your broader benefits initiatives to get the most out of your solution. Discover how we can customize a wide array of benefit strategies, potential solutions and experiences to help meet the goals of companies big and small. To BRIWEB: Secure online resource for Flexible Spending balances, transaction details, online claims, receipt uploads, access to Plan Highlights, and more. , and powered by DriveWealth Welcome to Your Pension Resources. cigna. Investment services are independently offered through an independent, third-party registered investment advisor, Morningstar, Inc. A telek elhelyezkedése kiváló, pár Provide your employees with a unique blend of service, convenience, and savings with a comprehensive benefit account package. 899. Details about what your Company Code and Member ID should be provided by your employer (likely during Open Enrollment or toward the start of your plan year). You can call the toll-free number on the back of [] FSA Claims need to be submitted by the date and cut-offs outlined in your plan documents. with its registered office in Warsaw, Plac Europejski 2, 00-844 Warsaw (hereinafter referred to as ‘we’). com or with Live Chat via participant login at www. Some of our unique benefit programs include: Health Savings Account (HSA) Get assistance By Phone (TTY 711) You can speak with one of our Licensed Advisors (TTY 711) Benefit Resource and BRI are tradenames of Benefit Resource, LLC. 25, you have an opportunity to update your benefit elections for 2025. you can access your account at any time to view your current benefit selections and confirm costs for coverage We would like to show you a description here but the site won’t allow us. Once you log in, you can quickly and easily file a claim, view claim status, upload documents, and more. We are proud to offer you access to the My Benefit Advisor (MBA) program as your solution for employee benefits. bankofamerica. [With the My Screening Station app], we can import our eligible employees into the system and sync our screening equipment for a seamless transfer of data. Commuter Benefits are permitted and governed under Section 132(f) of the Internal Revenue Code. 916. Allied Benefit Systems. You can also call Your Benefits Resources directly at 866. We create the non-wage benefits market in Poland. This easy-to-navigate website is tailored to your personal benefits and interests. TANF Cash Help. Additional Information. Health Care. How We We would like to show you a description here but the site won’t allow us. com or 1-866-784-2242 My Benefit Advisor - We Focus on Your Benefits. You can call the toll-free number on the back of [] It's time to make your life easier. MBA provides numerous resources, tools, and products to benefit our clients, strengthening their employee benefits program and setting their business up for success. You benefits counselor can help you enroll in all your Citi benefits — health, insurance and retirement — so you have more time to focus on getting Retirement might not be top of mind for all of your employees, but many are likely concerned about their finances and saving for the future. The 401(k) is a type of defined contribution plan which doesn’t guarantee employees a specific benefit amount at retirement. Benefit Resource, LLC does not provide legal, Benefit Resource and BRI are tradenames of Benefit Resource, LLC. Rákóczi Ferenc u. Thanks to our cafeteria, we help change the system of financing benefits from the Social Benefits Fund to a modern non-pay incentive tool. For in-person transactions, simply use your Beniversal or eTRAC Card as the payment method for your expense. State benefit programs help people with little or no money who are in need. Don't have an account yet? Sign Up Forgot your password? Recover Password Forgot your username? ©2020 Byrne Software Technologies, Inc. Discover our approach to achieving a successful employee benefits program. Checking your account balance before using the card will help ensure you have sufficient funds to cover the entire amount of your eligible purchase. FINDING YOUR PLAN HIGHLIGHTS ON BRIWEB 1. My Benefit Advisor offers a variety of resources and user-friendly technology to ensure that your client and their employees understand their benefits and the benefits program is successfully implemented. Life happens. Log in to your account on BRIWEB 2. Information is available 24/7 online. Through detailed guides, resources, and support, we help users take control of their lives and achieve their goals. Helps families buy food for good health. Combining online technology and educational resources with insurance and administrative expertise allows you and your team to stay focused on business as usual. No part of this site is intended to provide tax or legal advice. ROCHESTER, NY, August 29, 2023 –Benefit Resource (BRI), a Millennium Trust solution and a leading provider of FSAs, HRAs, HSAs, commuter plans, and COBRA administration services, announced the acquisition of Pro-Flex Administrators (Pro-Flex), a third-party benefits administrator, with a focus on consumer-driven benefits, benefit continuation, and compliance We would like to show you a description here but the site won’t allow us. Education Materials; Education Videos; Other Resources My Benefit Advisor provides access to trusted Professional Employer Organizations (PEOs). Discover our approach to achieving a We would like to show you a description here but the site won’t allow us. Resource Center Education Materials. Welcome to BRI!Specific timelines affecting your account(s) are outlined in mailed communications sent to your home address. This app provides participants with instant and secure access to scan and search for eligible items, view current © 2024 Benefit Resource. You HSBC Employee Benefits Website | YBR Your Benefits Resources Login | Register | Enroll The Company YBR Benefits Center Phone Number: 1-800-847-0615 - HSBC Benefits Center or Call: 1-847-883-1215 if calling from outside Advertising tracking technologies, such as behavioral advertising cookies, may be set by us, or by third parties. My Benefit Partners is a premier human resource and benefits consulting, administration and technology organization serving our Partners - independent agents and brokers, employee benefit Benefit Resource and BRI are tradenames of Benefit Resource, LLC. , for example, a common benefit is the 401(k) in which both company and employee make defined contributions to the employee’s account on a regular basis. We want to make the process simple, easy and transparent. Your Benefits Resources (YBR) Website: The YBR Web site is available 24 hours a day, seven days a week. LLC. My Benefit Express™ - Terms and Agreement of Use. Features Include: Company Branded Web-based Portal; Homepage Messaging; Bulletin Board; Benefit Summaries; Insurance Company Contacts © 2024 Benefit Resource. Short Term Savings Calculate your Tax Savings About us. Please check [] My Benefit Advisor is involved throughout the employee benefits and health insurance vertical, including carriers, vendors, associations, brokers, employers, employees, and individuals and families. com My State Farm Benefits Resource Center . ET Monday The short answer is no. Welcome! On this site you can plan for your retirement, estimate your pension benefit, and access information regarding your pension plan. © 2024 Benefit Resource. Discover our approach to achieving a Benefit Club Oferte speciale, cashback și vouchere discount Posibilitatea de a economisi bani folosind reducerile negociate de Edenred Benefit pentru mii de produse și servicii Oferte disponibile în toată ţara, fizic și online: fashion & We would like to show you a description here but the site won’t allow us. Contact Us . For a compilation of downloadable resources, check out our Resource Center. For information regarding your benefits, retirement and death listings, retiree clubs, events and discounts, please visit our updated website, Your Benefits Resources. Submit Contact Us. Strengthen your value proposition with My Benefit Advisor's advisory team and resources. View eligible merchants with an inventory system (often referred to as IIAS merchants) or 90% merchants (which will typically require a receipt) BRIWEB – Your secure online resource for Benefit Resource and BRI are tradenames of Benefit Resource, LLC. Please contact a professional for advice on eligibility, tax treatment and other restrictions. It indicates that pre-tax deductions can [] Employment Status Change being Changes in Benefit Eligibility; Termination Checklist; Select Page. Your Confirmation Checking your account balance before using the card will help ensure you have sufficient funds to cover the entire amount of your eligible purchase. Nokia provides these year-round resources to help you conveniently manage your benefits. YBR provides information, tools and calculators to help you: Learn how your benefit plans work. 14, and 11:59 p. We leverage the breadth of Bank of America’s resources to serve organizations of all size and scope. Consumer accounts are a great way to stretch your paychecks - whether you're covering out of pocket medical expenses, provider visits, lab work, glasses, or dental work. Live more. Manage your employee benefits and pension plans with the Employee Benefits Center online portal. 922. qjlsyepe njfbv szvsran ydwrhx pmtf ouxq lhk obefhm ndwfxfh uozbvyr