Travel Physical Therapy | Build Your PT Career on the Road
Everything you need to know about building a fulfilling, adventurous, and financially rewarding career as a travel physical therapist.
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@wanderingphysicaltherapyWhat Is Travel Therapy?
A career model that swaps the permanent position for freedom, adventure, and often a bigger paycheck — here's everything you need to know.
Travel therapy is a staffing model in which licensed physical therapists, occupational therapists, speech-language pathologists, and other rehab professionals accept short-term contract positions at healthcare facilities across the country. Contracts are typically 13 weeks in length, though they can range from 8 to 26 weeks — and are highly negotiable. For example, my second placement was a 9-month contract, which goes to show just how flexible the arrangement can be. Contracts can also be renewed if both the clinician and facility agree.
The concept grew out of a persistent shortage of rehabilitation professionals in rural, underserved, and high-turnover markets. Hospitals, skilled nursing facilities, schools, and outpatient clinics that couldn't attract permanent staff began partnering with staffing agencies to fill gaps on a temporary basis. Today, travel therapy is a multi-billion dollar industry.
As a travel PT, you're employed by a staffing agency rather than the facility where you work. The agency handles your credentialing, licensing, housing stipend or placement, health insurance, and pay. In return, they take a portion of the bill rate the facility pays — the remainder flows to you as a combination of taxable hourly wages and non-taxable stipends for housing, meals, and incidentals.
Settings range from skilled nursing facilities and acute care hospitals to home health, outpatient ortho, and schools. The flexibility is remarkable — every contract you can choose a completely different state, setting, and caseload.
Up Next
🤔 Is It Right for You? →Have Questions?
Want to Talk It Through?
Whether you have questions about travel therapy or just want to chat — I'm happy to help. Book a free 30-minute call.
📅 Book a Call with Philip →Is Travel Therapy Right for You?
Travel therapy is an incredible opportunity, but it's not for everyone. Here's an honest look at who thrives in this lifestyle — and who might want to think twice.
It Might Be Right for You If...
- You crave adventureYou love exploring new places, meeting new people, and stepping outside your comfort zone.
- You're adaptableYou can walk into an unfamiliar clinic and hit the ground running — new EMR, new team, new patients.
- You want higher payTravel therapists consistently out-earn permanent staff, especially when stipends are factored in.
- You're early in your career (or ready for a reset)No mortgage, no kids in school, or simply ready for a change — fewer ties make travel easier.
- You value flexibilityYou want to choose where you work, when you take breaks, and what settings you practice in.
- You're comfortable with uncertaintyContracts can fall through, housing plans can change — and you're okay rolling with the punches.
It Might Not Be for You If...
- You need stability and routineIf changing locations every 13 weeks sounds stressful rather than exciting, travel may not be your thing.
- You're not comfortable being "the new person"Every contract means starting over — new coworkers, new systems, new expectations.
- You have strong community tiesLeaving friends, family, and your support system regularly takes an emotional toll.
- You dislike administrative tasksLicensing, credentialing, tax home compliance, and housing logistics are part of the deal.
- You want to specialize deeplyRotating through different settings builds breadth, but it can be harder to develop deep expertise in one niche.
- You struggle with lonelinessSolo travel can be isolating, especially in rural or unfamiliar areas far from home.
My Honest Advice
I'll be real with you — travel therapy changed my life in the best way possible. But that doesn't mean it's perfect. The first few contracts are the hardest: figuring out housing, navigating new facilities, and being away from everything familiar.
If you're on the fence, I'd suggest trying just one contract. You'll know pretty quickly whether this lifestyle is for you. And if it's not? You'll have gained incredible experience and a great story to tell.
Questions to Ask Yourself
"Am I ready to leave my comfort zone for 13 weeks at a time?"
"Can I handle the logistics of licensing, housing, and taxes on my own?"
"Do I have a financial safety net for gaps between contracts?"
"Am I okay with being far from family and friends?"
"Can I adapt quickly to new clinical environments and teams?"
"Is now the right time in my life for this kind of change?"
Up Next
⚖️ Pros & Cons →Pros & Cons
Travel therapy isn't for everyone. Here's an honest breakdown of what you're gaining — and what you're giving up.
The Upsides
- Higher Earning PotentialTravel PTs often earn 20–40% more than permanent staff due to tax-free stipends, high bill rates in underserved areas, and competitive agency packages.
- Geographic FreedomEvery 13 weeks is a fresh start. Explore a coastal city, a mountain town, or a new region — on someone else's dime.
- Clinical DiversityRotating through different facilities and patient populations makes you a more well-rounded and adaptable clinician fast.
- Networking at ScaleBuilding relationships across the country opens doors to permanent positions, leadership roles, and future contracts.
- Adventure & GrowthLiving intentionally in new places builds resilience, self-sufficiency, and a broader perspective on life.
- Control Over Your ScheduleTake gaps between contracts. Extend when a facility is great. You dictate the terms of your career.
The Challenges
- No Job SecurityContracts can be cancelled with short notice. You're always in some state of transition, requiring a higher risk tolerance.
- Benefits UncertaintyHealth insurance, retirement, and PTO vary widely between agencies and may have gaps between contracts.
- Tax ComplexityThere are more rules to keep track of as a traveler — maintaining a tax home, understanding stipend rules, and filing in multiple states. But don't let that intimidate you. It's not as complicated as it sounds, and a good travel-savvy CPA can walk you through it with ease.
- Constant OnboardingEvery new facility means new staff, new protocols, and new EMR systems. This can be energizing — or exhausting.
- Loneliness & IsolationBeing away from your support system is a real challenge, but with contracts all over the country you may land within an hour's drive of someone you know. And time on your own? Great fuel for character development.
- Licensing Costs & DelaysApplying for licenses in multiple states can be expensive and time-consuming, but the PT Compact makes this process a lot easier by allowing practice privileges across member states. On top of that, most travel agencies will cover some — if not all — of your licensing costs, so it's always worth asking upfront.
- Traveler StigmaSome permanent staff view travelers as outsiders. You may encounter friction or heavier caseloads.
My Personal Favorites
Beyond the obvious perks, here are two things I personally love about being a travel therapist that I don't think get talked about enough.
Breaks On Your Own Terms
One of my absolute favorite perks is the ability to take as long of a break between contracts as I want. That time and space to decompress is invaluable — it keeps me feeling re-energized and gives me the freedom to explore new parts of the country on my own schedule. No PTO requests, no guilt. Just time that's genuinely yours.
Planning Life Around What Matters
Travel therapy gives you the ability to plant yourself exactly where life is happening. For example, I had two weddings and an Ironman I was training for — all in the same state. I was able to land a contract right there, which made juggling all of those plans significantly easier. That kind of flexibility is hard to put a price on.
My Personal Struggles
Travel therapy has been one of the most rewarding decisions I've made — but that doesn't mean it's been without its hard moments. Here are two things I personally struggled with that I think are worth being honest about.
Leaving Patients Behind
One of the hardest parts for me was leaving complicated patients I had been working with over a longer period of time. When families found out I was a traveler and would be leaving, some were genuinely disappointed — and honestly, that left a bad taste in my mouth. You form real connections with patients and their families, and walking away never feels easy.
Starting Over Every Time
I also found it hard to prove myself at each new location. Building trust with a new team, learning a new facility's rhythm, and establishing yourself as a competent clinician takes time — and just when you feel settled, it's time to leave and start all over again. It's something you adapt to, but it never fully goes away.
Have Questions?
Want to Talk It Through?
Whether you have questions about travel therapy or just want to chat — I'm happy to help. Book a free 30-minute call.
📅 Book a Call with Philip →Understanding Your Tax Home
The single most important concept in travel therapy. Get it right and keep thousands in tax-free income. Get it wrong and face serious IRS consequences.
Disclaimer: This is general educational information, not tax advice. Always consult a CPA who specializes in travel healthcare.
What Is a Tax Home?
Your tax home is your primary place of business — the general area where you regularly live and work. The IRS uses this to determine whether your travel stipends are non-taxable.
Why Does It Matter?
Without a legitimate tax home, the IRS considers you an "itinerant worker" and all stipends become fully taxable — potentially costing you thousands per contract.
The IRS 3-Part Test
Meet at least 2 of 3 criteria: (1) You perform part of your business near your tax home, (2) You incur duplicated living expenses while on assignment, and (3) You return regularly and maintain ties to the area.
Common Tax Home Strategies
Many travelers maintain a permanent residence and pay rent even while on contract. The key concept here is duplicating your expenses — in order to qualify for tax-free stipends, you are technically paying rent at both your primary residence and your location of travel at the same time. This duplication of living costs is what the IRS looks for when determining whether your stipends are legitimately non-taxable.
It is also recommended that you return to your primary tax home for more than 30 days out of a 1-year cycle to demonstrate that you have regular ties to your tax home. This directly satisfies the "return regularly and maintain ties" component of the IRS 3-part test. Personally, I keep a log of receipts from my tax home area — things like gas, groceries, or dining — to help prove that I was regularly present there. It's a simple habit that can go a long way if you ever need to substantiate your tax home status.
If you have questions about how any of this applies to your specific situation, I would highly recommend consulting with a travel tax specialist.
The 50-Mile & 12-Month Rules
The 50-mile rule is often cited as the threshold for qualifying for tax-free stipends, but after speaking with a tax specialist, I learned it's really just a general guideline. They recommended that your work location should be more than 2 hours of travel from your primary tax home, or somewhere that would be unreasonable to commute to on a daily basis. As it turns out, there is quite a bit of grey area in the wording — but that's what I've learned so far. As always, consult a CPA who specializes in travel healthcare for guidance specific to your situation. Additionally, working in one location for 12+ consecutive months may make it your new tax home, eliminating your stipend eligibility.
File in Multiple States
You'll typically need to file a non-resident return in every state where you earn income. A travel-healthcare-savvy CPA is worth every dollar here.
Have Questions?
Want to Talk It Through?
Whether you have questions about travel therapy or just want to chat — I'm happy to help. Book a free 30-minute call.
📅 Book a Call with Philip →Housing as a Travel PT
Where you live on assignment is one of the most personal decisions you'll make. These are your four main options — each with real tradeoffs.
What Veteran Travelers Know
Start Searching Early
Begin hunting for housing as soon as your contract is signed — ideally 3–4 weeks before your start date. Good furnished rentals disappear fast.
Use Furnished Finder First
Furnished Finder is purpose-built for travel healthcare workers. Landlords list furnished month-to-month rentals and understand your lifestyle. Free for travelers.
Calculate Your True Cost
If you can find housing below your stipend amount, the stipend option wins financially. Do the math before accepting agency-provided housing.
Document Everything
Keep receipts for all housing costs. In the event of an IRS audit, you'll need to demonstrate that your travel expenses were legitimate.
Location vs. Commute
A 45-minute daily commute adds up quickly over a contract. Weigh the tradeoff between exciting neighborhoods and a shorter drive.
Have a Backup Plan
If housing falls through last minute, know your local extended stay options in advance. Contracts don't wait for housing issues.
Have Questions?
Want to Talk It Through?
Whether you have questions about travel therapy or just want to chat — I'm happy to help. Book a free 30-minute call.
📅 Book a Call with Philip →Travel Therapy Contracts
Your contract is your protection. Understanding every clause before you sign can save you thousands of dollars and serious headaches.
Contract Length
Standard contracts run 13 weeks, though they are highly negotiable — ranging from 8 weeks to 9 months or more. Always confirm guaranteed hours per week — critical to your take-home pay.
Cancellation Clauses
Both you and the facility can cancel. Understand the notice period (typically 2–4 weeks) and whether there are financial penalties if you cancel early.
Pay Package Breakdown
Your offer lists a taxable hourly rate, housing stipend, and M&I stipend. Get these in writing — verbal offers mean nothing if the contract differs.
Extension & Conversion
Ask upfront whether extensions are possible and whether there's a conversion fee if the facility wants to hire you permanently. In my experience, most clinics are looking to keep you long term — don't be surprised if they ask whether you'd like to extend your contract before it even ends. It's a good sign that you're doing great work, but always weigh it against your original plans before committing.
Benefits Start Date
Health insurance often doesn't start on day one. Understand the waiting period and your interim coverage options.
Float & Facility Details
Clarify which units you're assigned to, whether you're expected to float, and the patient-to-therapist ratios before signing anything.
Red Flags to Watch For
Vague guaranteed hours language, missing stipend amounts, no cancellation notice period, non-compete clauses, and facilities that won't answer pre-contract questions.
Always Negotiate
Everything is negotiable — pay, start date, housing stipend, shift schedule, and contract length. Recruiters expect negotiation. Get competing offers from 2–3 agencies.
Licensing & Credential Reimbursement
Ask whether the agency reimburses state license fees, background checks, drug screens, and required continuing education. Most travel agencies will cover some if not all of these costs.
Have Questions?
Want to Talk It Through?
Whether you have questions about travel therapy or just want to chat — I'm happy to help. Book a free 30-minute call.
📅 Book a Call with Philip →Interview Questions
Travel therapy interviews are typically 15–30 minutes and move fast. Know what they'll ask — and what you should be asking them.
Questions They'll Ask You
"Walk me through your experience in a skilled nursing facility. What's your typical caseload size?"
"How do you handle jumping into a new facility environment with minimal orientation?"
"Are you comfortable meeting productivity standards of 85–90%? How do you manage your schedule to hit those numbers?"
"What EMR systems have you used? How quickly can you get up to speed on a new system?"
"Describe a time you had conflict with a permanent staff member. How did you handle it as a traveler?"
"Are you available to start on [date]? Are you flexible with shifts or weekends?"
Questions You Should Ask
"What's the average daily caseload? Will I be treating a specific unit or floating across departments?"
"How long is orientation? Will I have a dedicated person to show me the facility protocols?"
"What's the productivity expectation? Is documentation time factored in?"
"How does the permanent staff typically work with travel therapists?"
"Is there a possibility of extending this contract? What typically drives extension decisions?"
"What are the typical shift hours? Are weekends expected, and how are holiday schedules handled?"
Ace the Travel Interview
Travel interviews are different from permanent job interviews. Being confident, concise, and clinically sharp matters more than a polished resume.
- Research the facility type before the call so your examples are relevant
- Have your license numbers, certifications, and availability dates ready
- Keep answers under 2 minutes — these are quick calls, not deep conversations
- Always send a brief thank-you email within 24 hours; most travelers skip this
- If you get an offer on the spot, ask for 24 hours to review the contract first
- Never accept verbal offers — wait until you have the written contract in hand
Have Questions?
Want to Talk It Through?
Whether you have questions about the interview process or just want to chat about travel therapy — I'm happy to help. Book a free 30-minute call.
📅 Book a Call with Philip →How Travel PT Pay Works
If you're new to travel physical therapy, the pay structure can feel confusing at first. Unlike a traditional salaried PT job, travel PT compensation is made up of multiple components — and understanding how they work together is the key to knowing whether a contract is actually a good deal.
The Two Parts of Your Pay Package
Travel PT pay is split into two categories:
1. Taxable Wages
This is your base hourly rate — the portion of your pay that gets taxed like normal income. It's typically lower than what you'd expect from a permanent PT job, and that's intentional. The rest of your compensation comes in the form of stipends.
2. Non-Taxable Stipends
Stipends are reimbursements for the costs of working away from home. Because they're classified as reimbursements rather than income, they aren't taxed — which is what makes travel PT pay so attractive. Stipends generally cover two things:
- Housing — a weekly or monthly amount to cover rent or lodging at your assignment location
- Meals & Incidentals (M&IE) — a daily or weekly allowance to cover food and everyday expenses
Together, your taxable hourly wage plus your stipends make up your total weekly gross pay.
A Simple Example
Let's say a recruiter offers you a 13-week contract with:
- $22/hour taxable x 40 hours = $880/week taxable
- $1,400/week in housing stipend
- $350/week in meals & incidentals stipend
Your total weekly package = $2,630. Your total contract value = $2,630 x 13 weeks = $34,190.
But because a large portion is non-taxable, your take-home pay will be significantly higher than a permanent PT earning the same gross amount.
What Is a Bill Rate?
Behind every travel PT contract is a bill rate — the hourly amount the facility pays the staffing agency for your services. The agency takes their cut and builds your pay package from what's left.
Understanding bill rates matters because:
- A higher bill rate means more room for better pay
- Agencies don't always volunteer this number, but you can ask
- Comparing packages across agencies is much easier when you know the bill rate
General rule: If an agency won't discuss the bill rate at all, that's worth paying attention to.
The Tax Home Rule — The Most Important Thing to Understand
Stipends are only legally non-taxable if you maintain a tax home. Your tax home is your permanent place of residence — the place you return to between assignments, pay rent or a mortgage on, and can demonstrate ties to.
If you don't have a legitimate tax home, the IRS considers your stipends taxable income. This is one of the most misunderstood — and most important — aspects of travel PT finances.
A few key points:
- Your tax home does not have to be where you grew up
- You need to be able to show you have real financial ties to that location
- Renting a room in a friend or family member's home can qualify, as long as it's legitimate
This is an area where consulting a travel healthcare-specific tax professional is strongly recommended. The rules are nuanced and the consequences of getting it wrong can be significant.
How to Compare Pay Packages
When you're evaluating offers from different agencies, don't just look at the weekly total. Here's what to actually compare:
- Taxable hourly rate — make sure it meets your state's minimum requirements
- Stipend amounts — are they within IRS limits? (Amounts above GSA guidelines may be taxable)
- Benefits — does the agency offer health insurance, and what does it cost? This comes out of your package
- Overtime policy — how is overtime calculated, and on which portion of your pay?
- Guaranteed hours — are your hours guaranteed, or can the facility send you home without pay?
Running the numbers side by side across two or three agencies for the same contract can reveal significant differences in actual take-home pay.
Common Red Flags to Watch For
- A very high weekly total with an unusually low taxable wage (below ~$15-18/hour is a potential compliance issue)
- Stipends well above the local GSA rates without explanation
- Agencies that refuse to discuss bill rates or how your package is structured
- Contracts without guaranteed hours clauses
The Bottom Line
Travel PT pay can be significantly higher than permanent positions — but only if you understand how the package is structured, maintain a legitimate tax home, and know how to compare offers. The therapists who get the most out of travel PT financially are the ones who treat their pay package like a negotiation, not a take-it-or-leave-it offer.
Have Questions?
Want to Talk It Through?
Whether you have questions about travel pay or just want to chat about travel therapy — I'm happy to help. Book a free 30-minute call.
📅 Book a Call with Philip →Budgeting & Student Loans
Travel therapy's higher earning potential is a real opportunity to crush student debt faster than your peers — if you have a plan.
The average physical therapist graduates with $150,000–$200,000 in student loan debt. The good news: travel PT pay packages — especially those with healthy non-taxable stipends — can dramatically accelerate your repayment timeline compared to a permanent position.
The key is treating your stipend income as separate from your living budget. Because your housing and meals are covered by stipends, your taxable hourly wage can be directed almost entirely toward debt if you live frugally during contracts.
Many travel PTs adopt a debt snowball or avalanche approach — making minimum payments on all loans and directing any surplus toward the highest-interest loan (avalanche) or smallest balance (snowball).
Also explore income-driven repayment (IDR) plans and Public Service Loan Forgiveness (PSLF) if you're working at qualifying non-profit or government facilities.
Student Loan Payoff Estimator
The Avalanche Method
Pay minimums on all loans, then throw every extra dollar at your highest-interest loan first. Saves the most money over time.
The Snowball Method
Pay off your smallest balance first regardless of interest rate. Each payoff builds momentum and motivation.
Explore PSLF
If you work at qualifying non-profit or government facilities, 120 qualifying payments can result in complete forgiveness of your remaining balance.
Refinancing Strategy
Refinancing to a lower private rate can save thousands — but you'll lose access to PSLF and IDR protections. Never refinance if pursuing forgiveness.
Live on Your Base Pay
Treat stipends as debt money only. Build your budget around your taxable hourly rate. Stipends go straight to loans — no exceptions.
Tax Savings Strategy
Because a large portion of travel income is non-taxable, your effective tax rate may be lower than expected. Maximize retirement contributions while your taxable income is suppressed.
Have Questions?
Want to Talk It Through?
Whether you have questions about travel therapy or just want to chat — I'm happy to help. Book a free 30-minute call.
📅 Book a Call with Philip →Essentials for Travel
After your first contract, you'll know exactly what you wish you'd brought. Here's what veterans say they can't live without.
🏥 Clinical Must-Haves
- PT license(s) — printed copies
- CPR/BLS certification card
- Goniometer & tape measure
- Stethoscope (if setting requires)
- Comfortable, supportive shoes (2 pairs)
- Personal scrubs in facility colors
- Pocket reference guides / apps
- Professional liability insurance docs
🏠 Home Away from Home
- Bedding set & pillows (compact)
- A few favorite kitchen items
- Portable spice kit
- Coffee maker or electric kettle
- Power strip / surge protector
- White noise machine or app
- Smart bulb or lamp for ambiance
- Comfort items from home
💻 Tech & Admin
- Laptop + charging cable
- External hard drive for documents
- Password manager app
- Portable WiFi hotspot (backup)
- Digital copies of all credentials
- Mileage tracking app (MileIQ)
- Budgeting app (YNAB, Mint)
- VPN for secure public Wi-Fi
🎒 Life on the Road
- Quality luggage (2 suitcases max)
- Car emergency kit
- Small toolkit (IKEA trips happen)
- First aid kit
- Reusable grocery bags
- Gym bag + resistance bands
- Offline maps (Google Maps)
- Spare set of car & house keys
The Golden Rule of Travel Packing: If you can replace it for under $20 at a Target, don't bring it. Most experienced travelers downsize significantly after their first few contracts — the less you carry, the freer you feel.
Have Questions?
Want to Talk It Through?
Whether you have questions about travel therapy or just want to chat — I'm happy to help. Book a free 30-minute call.
📅 Book a Call with Philip →New Grad Travel PT Guide
Everything you need to know as a new graduate stepping into travel physical therapy. Download the comprehensive guide below to get started on the right foot.
Click above to view or download the PDF guide.
Have Questions?
Want to Talk It Through?
Whether you have questions about travel therapy or just want to chat — I'm happy to help. Book a free 30-minute call.
📅 Book a Call with Philip →Want to Get in Contact with a Recruiter?
Reaching out to the right recruiter can make all the difference in your travel therapy journey. Leave your name and email and I'll point you in the right direction.
Send Me a Message
Fill out the form below and I'll follow up with recruiter recommendations tailored to your situation.
Message received! I'll be in touch soon with recruiter recommendations. Welcome to the travel therapy world!
Personal Recommendations
I'll connect you with recruiters I've personally vetted — people who are transparent, responsive, and actually understand the therapy world.
Fast Response
I check messages regularly and will do my best to get back to you quickly — usually within a day or two.
No Pressure, Just Help
Not sure if travel therapy is right for you yet? That's totally fine. Reach out with any questions and we'll figure it out together.
Meet Your Guide
About Me
|
Currently On
Contract #2 🗺️
Graduated
Univ. of St. Augustine, 2025
Hobbies
📚 Reading
♟️ Chess
🏂 Snowboarding
⚽ Soccer
💪 Working Out
🥾 Hiking
🏊 Triathlons
🌅 Leisure
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Hello everyone! My name is Philip, and I am a traveling physical therapist. I have many interests outside of physical therapy, including but not limited to reading, chess, snowboarding, soccer, working out, hiking, triathlons, and leisure time. There honestly is not enough time in a day to keep up with all of these hobbies — but I digress. I graduated from the University of St. Augustine in 2025 and started travel therapy right out of the gate. At the time of writing this, I am on my second travel contract. Why did I start travel therapy? The biggest reason for me was the flexibility it offered. I felt I had just scratched the surface of what physical therapy was through school. Now I get to see for myself how everything works under different leaderships, settings, and communities. I aspire to start my own clinic one day. For now, I get to learn and beep bop around. I started this page to share my own experiences so far and to be of some use to anyone out there who may be curious about becoming a traveler. I know taking the step into the travel world can be daunting at first — but as a wise hobbit once said: "It's a dangerous business, Frodo, going out your door. You step onto the road, and if you don't keep your feet, there is no knowing where you might be swept off to." — J.R.R. Tolkien, The Lord of the RingsI'm not sure Bilbo's quote helps or not, but it rings true. By entering the travel world, you open yourself up to new places, people, experiences, and so much more. And a huge perk is the benefits that come along with being a traveler — more income, flexibility, time, and experience. I hope to bring up relevant topics of conversation that include what a travel physical therapist is, pros and cons, whether it's right for you, essentials to pack and move with, and potentially even offer a community hub where travelers can connect based on the region they're in. Let's start with what you need to know about becoming a travel physical therapist. |
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