Tmrs pay dates 2024 UAAL as % of pay 3. 2024 City Training Conference Videos COLA: Learn more about TMRS by attending a webinar below that fits your needs and TMRS’ City Portal on tmrs. Hardy, ASA, EA, FCA, MAAA Next benefit payment date: December 31 2024 City Training Conference The percentage of an employee’s compensation that is contributed to TMRS each pay City Hall 1110 Houston St. TMRS provides other resources for your financial statement audit and financial reporting on the pages linked below. Apply For A Job. They would have 25 accruals for 2024 plus carryover Next benefit payment date: January 31. 75%. 200 East 18th Street Austin, TX 78701. Call the Texas Municipal Retirement System or TMRS at 1. gov → My Account Login → Manage your annuity payments. 31 0. 00 % Full Retirement (ADEC) 14. Library. Water Utilities. He is a member of the American Society of Civil Engineers, Rio Grande Drainage Committee, Rio Grande Valley Metropolitan Plannin F ADNFO S 202 Revised December 2024 Member Service Center 800-924-8677 Fax 512-476-5576 Website tmrs. Financing objectives and funding policy . The weekly payroll calendar template assumes your pay period end date and pay date are the same. Canada child benefit (CCB) Includes related provincial and territorial programs. You can designate a minor as a beneficiary. com Your monthly payments will be credited to your account on these dates: Benefit Payment Dates 2022 January ˜˚ February ˛˝ March ˜˚ April ˛˙ May ˜˚ June ˜ˆ July ˛˙ August ˜˚ September ˜ˆ October ˜˚ November ˜ˆ December ˜ˆ MONTH PAPER CHECKS MAILED DIRECT DEPOSIT DATE September 2024 October 2024 November 2024 December 2024 TRS Annuity Payment Calendar Created Date: 7/11/2024 10:26: Jan 1, 2023 · Next benefit payment date: January 31. Will lose about £300. A TMRS COLA is “retroactive” — the COLA is based on the change in the CPI-U since retirement, less any previous COLAs granted. May 23 . Landis was appointed to the Board in September 2013 and reappointed in April 2016 and May 2022. K. aspx. 37 2025 2024 Projected payroll $ 12,388,614 $ 11,011,085 Choose a date and time. 29, 2023; Jan. payment on the expected date, please allow three additional mailing days before contacting Social Security. The total pension liability shown in this report is based on an actuarial valuation performed as of December 31, 2023 and a measurement date of December 31, 2023; as such, no roll-forward is required. Vesting Dec 11, 2024 · Annuity payment dates. From the ERS website, search for “Manage Your Annuity Payments” for instructions on changing your tax withholding, personal information and more. If TMRS will be attending the 2024 TML Annual Conference and Exhibition October 9 - 11, so be sure to stop by our booth and breakout session. Jul 12, 2024 · Pay Period Calendar 2026: 109KB: NFC-1217: Pay Period Calendar 2025: 86KB: NFC-1217: Pay Period Calendar 2024: 82KB: NFC-1217: Pay Period Calendar 2023: 83KB: NFC-1217: Pay Period Calendar 2022: 87KB: NFC-1217: Pay Period Calendar 2021: 51KB: NFC-1217: Pay Period Calendar 2020: 33KB: NFC-1217: Pay Period Calendar 2019: 29KB: NFC-1217: Pay Pay Online. June 27, 2024. 7 % contact the City Services Department at cityservices@tmrs. 2024 City Training Conference you can compare estimates for various retirement dates and TMRS retirement benefit Sep 27, 2024 · Direct Deposit. 4 % contact the City Services Department at cityservices@tmrs. Hardy, ASA, EA, FCA, MAAA Next benefit payment date: January 31. 31, 2024. The GASB 68 and GASB 75 reporting packages are available to TMRS participating cities by year. TMRS is a statewide public retirement plan created by the State of Texas and administered in accordance with the Texas Government Code, Title 8, Subtitle G (TMRS Act) as an agent multiple-employer retirement system for employees of Texas participating cities. your SDB Rate for 2023 and 2024. In September, Mr. 2024 City Training Conference Videos COLA: This website is an informal presentation of the TMRS Act and related law Aug 17, 2024 · $7 million added to General Fund Reserves in Proposed Budget to pay monthly TMRS (50% COLA) for FY 2024-25 until POB issued and proceeds accepted by TMRS. The actuarial cost method and the amortization periods are set by Board policy. Banks and other financial institutions are required to post railroad retirement benefits to Direct Deposit recipients’ accounts no later than the first business day of each month. January 20, 2025 ; February 20, 2025 ; March 20, 2025 Nov 12, 2024 · 2024 Weekly payroll calendar template. 29, 2024; ERS deposits or mails your annuity payment on the last business day of the month. If you die before the selected term ends, your beneficiary will receive your benefit for the remainder of that term. Go to the ERS website and search “ Manage Your Annuity Payments ” for instructions on changing your tax withholding, personal information and more. UAAL as % of pay 32. The pension plan’s policy in regard to the allocation of invested assets is established and may be amended by the TMRS Board of Trustees. Optional 457(b) deferred compensation plans are also available through Nationwide Retirement Solutions. 2025 Pay Period Inclusive Dates your SDB Rate for 2023 and 2024. Jun 4, 2024 · Employees Retirement System of Texas. If TMRS family. 24. projected values for calendar years 2024 and 2025. Annuity Payment / EFT Dates. Consider and Act on 2025 Board Meeting Dates. com is the city’s most important resource to manage its TMRS retirement plan. 22, 2024, TRS will mail letters to eligible annuitants showing the new monthly annuity payment reflecting the COLA increase of their annuity payment amount. 2024 City Training Conference Videos You can find out if your city offers an SDB by using the My City Plan tool on tmrs Jan 20, 2025 · Canada child benefit (CCB) Includes related provincial and territorial programs. Box 149153 Austin, TX 78714-9153 Next benefit payment date: January 31. 31, 2024; Jan. Mark your calendar – the new schedule is here! 2025 pension payment schedule. Thank You, Roy Rodriguez! Roy Rodriguez served TMRS with distinction. April 25. Civilian Pay Plan Fiscal Year 2025 (Updated October 1, 2024) Dispatch Pay Plan Fiscal Year 2025 (Updated October 1, 2024) Fire Pay Plan Fiscal Year 2025 (Updated October 1, 2024) Police Pay Plan Fiscal Year 2025 (Updated October 1, 2024) Transparency in Coverage USC is added to your TMRS cash balance when you retire and is included in retirement estimates that you can run on MyTMRS. A repeating COLA is paid every year. We encourage this method as it allows your annuity payments to get to you faster and safer than paper check delivery. 2024 City Training Conference Videos COLA: This website is an informal presentation of the TMRS Act and related law. Retired and annuitant pay is due on the first of the month. Benefit Payment Dates Change Direct Deposit Account Change Withholding 2024 GASB 75 Compliance E-mail for GASB questions: Pension Accounting at TMRS. Your contributions are credited with interest each year on December 31 based on the balance in your account on the prior January 1. Calendar Year 2025; January : 31: This website is an informal presentation of the TMRS Act and Jan 1, 2024 · If you need a copy of your city's rate letter showing contribution rates for the year beginning January 1, 2024, please select your city name from the menu below. 2024; 2025 Created Date: 12/4/2023 3:06:24 PM Next benefit payment date: December 31. Hardy, ASA, EA, FCA, MAAA The City of Waco participates as one of 919 plans administered by the Texas Municipal Retirement System (TMRS). If a beneficiary dies or you divorce your beneficiary, your designation becomes invalid for that Next benefit payment date: January 31. TMRS and MyTMRS are registered trademarks. 2024 City Training Conference Videos COLA: TMRS’ office will be closed on the following holidays. If your SDB Rate for 2023 and 2024. Discover how to start receiving your OMERS pension, how to manage your pension payments efficiently and access OMERS T4 and NR4 slips online. TMRS Board Meeting Minutes. Created Date: 9/6/2024 1:21:53 PM Beginning the week of Jan. TMRS' actuary, Gabriel, Roeder Next benefit payment date: January 31. com your SDB Rate for 2023 and 2024. 2025: Jan. 2024; 2025 Created Date: 12/4/2023 3:06:24 PM E-mail for GASB questions: Pension Accounting at TMRS . If any specific questions of fact or law should arise, the statutes will govern. Payments are made in arrears, so the payment you receive each month is for the prior month’s benefit. United States Bureau of Labor Statistics. Think Before You Refund FOR MEMBERS Member Service Center 800-924-8677 Fax • 512-476-5576 Website tmrs. If Jan 1, 2025 · Next benefit payment date: January 31. Laredo, Texas 78040 956-791-7411 Next benefit payment date: January 31. 10 11. 2024 City Training Conference Videos COLA: TMRS is celebrating its 75th anniversary in 2023. Bill Philibert 5. FLR NR RR Cost of Living Adjustment (COLA) Overview Revised November 2022 ember ervie eer 00--77 Fax 5-7-557 Websie tmrs. 2024 Meeting Dates. A weekly payroll calendar template lays out the weekly payroll schedule, which includes 52 weekly pay dates. If The City of Abilene has mandatory participation in the Texas Municipal Retirement System (TMRS) and matches employee contribution of 7% to TMRS at a rate of 2:1. 31, 2024; Feb. For instructions on changing your tax withholding, personal information and more visit ers. and the U. tmrs. To help you plan for 2025, below is a list of the days you should expect to receive your pay. Jan 31 Feb 28 Mar 31 Apr 30. May 30 Jun 30 Jul 31 Aug Next benefit payment date: January 31. 4 % Funded Ratio (AVA/AAL) 94. 555 Walnut Street 2024 Tax Rate Notice 50-212 (PDF) /QuickLinks. This website is an informal presentation of the TMRS Act and related law. Using the City Portal, cities can: Enroll new employees in TMRS Submit and pay city contribution reports View their employee’s information Access and generate reports Upload documents to TMRS Next benefit payment date: December 31 2024 City Training Conference The percentage of an employee’s compensation that is contributed to TMRS each pay Next benefit payment date: December 31 2024 City Training Conference The percentage of an employee’s compensation that is contributed to TMRS each pay Benefit Payment Dates Change Direct Deposit Account Change 2024 City Training This website is an informal presentation of the TMRS Act and related law. Report a Problem. Dec 17, 2024 · Posted on December 17, 2024. ment System (TMRS), a pension plan that will pay a lifetime benefit to employees who qualify for mem-bership and who retire from your city. com! Created Date Feb 20, 2024 · Think Before You Refund FOR MEMBERS Member Service Center 800-924-8677 Fax • 512-476-5576 Website tmrs. 52 Prior Service Rate 2. TMRS Next benefit payment date: December 31 2024 City Training Conference The percentage of an employee’s compensation that is contributed to TMRS each pay Benefit Payment Dates Change Direct Deposit Account Change Withholding Information COLA: Cost of Living Adjustments COLA: New Repeating Option Divorce After Retirement Report a Death Return to Work Videos Next benefit payment date: December 31 2024 City Training Conference The percentage of an employee’s compensation that is contributed to TMRS each pay payment on the expected date, please allow three additional mailing days before contacting Social Security. Dec 11, 2023 · To learn more, see the Plan Year 2024 premium rates for Medicare-eligible retirees or the "Know your tax facts" article in this issue. If you have questions about your city’s contribution rate or would like to evaluate potential changes to your TMRS plan, please contact me at 512-225-3760 or lhardy@tmrs. Benefit Payment Dates Change Direct Deposit Account Change 2024 City Training This website is an informal presentation of the TMRS Act and related law. If you designate a minor, TMRS will pay the benefits to the parent or legal guardian, or you can designate a custodian for the minor. 2024 City Training Conference TMRS is a statewide retirement system with more than 930 participating cities that Nick O’Keefe was promoted in 2024 to Chief Financial Officer responsible for all financial and investment accounting functions, internal audit, compliance, and facilities. If you would like to speak with TMRS prior to the next available appointment, please contact our Member Service Center at 800-924-8677 for immediate assistance. Payments sent electronically to your bank (direct deposit) will be available on payday (last working day of the month). Below are the military pay dates and LES release dates for 2024. Dec 19, 2024 · Thursday, December 19, 2024 – 9:00 a. If you are a retiree from another system, such as the Teacher Retirement System ERS deposits or mails your annuity payment on the last business day of the month. Sincerely, Leslee S. 6 % 2. David Landis is the 2024 Board Vice Chair and also the Chair of the Audit Committee. Spring 2024 Retirement Education Webinar (Video) (Updated May 2024) Dec 26, 2024 · The leave year always begins the first day of the first full pay period in the calendar year. 8677. UAAL as % of pay 118. 28, 2025; See instructions on how to change your tax withholding, personal information and more. Your TMRS membership begins on your date of employment with your city. 13 2. David Landis City Manager, City of Perryton. 2024 City Training You can go back to work for a TMRS participating city after retiring without any impact to your 31 TUE 31 TUE 31 TUE 31 WED 29 THU 28 THU 30 TUE 31 FRI 28 FRI WED 30 FRI 30 MON 31 THU 27 WED 31 TUE * 1099s and Benefit Statements available online by January 23 Your monthly benefit payments will be 2 pay days so I loses the top up from social. Since 1948, TMRS has Dec 11, 2024 · Annuity payment dates. Canada child benefit 2025. 8 % 42. Benefit Payment Dates Change Direct Deposit Account Change Withholding 2024 GASB 68 Compliance Pension Accounting at TMRS. Letters are in pdf format. date, the total pension liability is required to be rolled forward from the actuarial valuation date to the measurement date. 3 93. Add TMRS to Your Conference Schedule: Wednesday, October 9 – Friday, October 11, Exhibit Hall Booth 1127 Visit our exhibit hall booth where TMRS staff will be available to answer any questions projected values for calendar years 2024 and 2025. The first and last paychecks of Academic Years 2024/2025 – 2027/2028 are as follows: Academic Year: First Paycheck: Last Paycheck: UAAL as % of pay 27. Download IRS W-4P Withholding Certificate for Pension or Annuity Payments and send the form to TMRS either by mail or by fax. FY 2025 shift to Debt Service Tax Rate allows for additional capacity to cover any unforeseen liability increases above $130 million estimate. All payment dates Footnote 1 . Feb. 2024 City Training Conference Videos COLA: Payment Dates . Hardy, ASA, EA, FCA, MAAA What’s New for 2024 2 HR Team 3 Total Rewards 4 Vacation & Sick Leave 5 Holidays 6 Library Access 7 Training & Development 7 Benefits Overview 8 Benefits Cost 9 Benefits Basics 10 Electing, Eligibility, Dependents, Duplicate Coverage, Qualifying Events 10 Ending Dates, Waiving Coverage Medical Premiums, 11 your SDB Rate for 2023 and 2024. com or use the one on page 3. 00 % 7. Mid-month pay includes pay from the first day of the month through the 15th. Spanish-speaking staff are The Office of Retirement Services also has available a downloadable PDF version of the 2025 pension pay dates. Hardy, ASA, EA, FCA, MAAA projected values for calendar years 2024 and 2025. A city may offer either a repeating COLA or an ad hoc COLA. When Are COLAs Received? COLAs are applied to every eligible retiree’s (or beneficiary’s) annuity payment starting with the January 31 payment for that year. com. Contact Us. This information is also available as a fact sheet. MyTMRS: Update your tax withholding, direct deposit information, and download benefit confirmation letters Within 12 months of retirement, your TMRS monthly benefit. You can also call the Member Service Center at 800-924-8677 or schedule an appointment with our Member Education team to review your account. ★ RetirementWise Summer 2024. Box 53 Austin, T 77-53 Next benefit payment date: January 31. Print Benefit Confirmation letters to document your benefit payment. You can change your beneficiary at any time. 57 2025 2024 Employee 7. The COLA is a permanent increase to annuities and will be applied to eligible annuitants’ payments beginning with their January 2024 payment due Jan. com or call your SDB Rate for 2023 and 2024. The 2025 leave year begins January 11, 2025 (Pay Period 03-2025), extends for 26 full pay periods, and ends January 9, 2026 (Pay Period 02-2026). 2717 Perseverance Drive, Suite 300 . 31, 2025; Feb. Helpful 2 days ago · Pay dates falling on a holiday or weekend get paid the last workday before the 1st or the 15th. other related information . What is the new repeating COLA option? Currently, COLAs are calculated retroactively by looking back to the cumulative change in the Consumer Price Index (CPI) since each retiree’s retirement date, which can be 800-924-8677 • tmrs. End-of-month pay includes the 16th through the end of the month. texas. Hardy, ASA, EA, FCA, MAAA TMRS, pay monthly contributions, run reports • New Plan Change Calculator is now available 11 12. Contribution rates and liabilities are computed using the Entry Age Normal actuarial cost method. Changing a Beneficiary. com, click on My City Plan, and search for your city. This presentation shows you how. 2024 City Training Conference Videos COLA: Search any TMRS-participating city plan to see specific plan details or CAYMAN ISLANDS GOVERNMENT PAY-DATES FOR 2024 MONTHLY WAGE WORKERS PAY DATES PERIOD PAY DATES Monday, January 15 Week 1 Friday, January 12 Week 2 Friday, January 26 Tuesday, February 20 Week 3 Friday, February 9 Week 4 Friday, February 23 Wednesday, March 20 Week 5 Friday, March 8 Week 6 Friday, March 22 Pay Schedule. 2024 City Training Conference Videos COLA: TMRS can help you recruit and retain talent. Hardy, ASA, EA, FCA, MAAA Learn about OMERS pension payment schedules and direct deposit options in Canada, the U. Contact ERS Next benefit payment date: January 31. 25. 8677 to request your personalized retirement estimate. 23 14. O. ©2025 Texas Municipal Retirement System. Hardy, ASA, EA, FCA, MAAA your SDB Rate for 2023 and 2024. Retirement Jun 30, 2021 · 07/30/2024: 2025 Payroll Calendar [PDF - 163 KB] 11/01/2023: 2024 Payroll Calendar [PDF - 49 KB] Adding GSA Payroll Calendar to your personal Google Calendar: Next benefit payment date: January 31. • Adopting the New COLA Option replaces any previous COLA and remains in effect until the city adopts any ordinance impacting COLAs. 2 % 34. Winter 2024 TMRS Times First Draft. Box 149153, Austin, TX 78714-9153 January 1, 2024, 2025, or 2026. 2025 Contribution Rate Letters 2024 Contribution Rate Letters 2023 This website is an informal presentation of the TMRS Next benefit payment date: January 31. 2024 City Training Conference Videos COLA: TMRS cannot issue a refund until we receive your final TMRS city Electronic Direct Deposit Dates Monthly payments will be credited to your account on the following dates: January 31 February 28 March 31 April 28 May 31 June 30 July 31 August 31 September 29 October 31 November 30 December 29 800-924-8677 Next benefit payment date: January 31 2024 City Training Conference The percentage of an employee’s compensation that is contributed to TMRS each pay period Next benefit payment date: January 31 2024 City Training Conference The percentage of an employee’s compensation that is contributed to TMRS each pay period Next benefit payment date: November 29 2024 City Training Conference The percentage of an employee’s compensation that is contributed to TMRS each pay Next benefit payment date: January 31. Each year, TMRS’ consulting actuary conducts an actuarial val-uation of your city’s TMRS plan to determine the Ac - tuarially Determined Employer Contribution (ADEC) rate that is required to fund your plan. . The Zimbabwean government has released the schedule for civil servants pay dates for the year 2024, providing clarity and anticipation for thousands of workers across various sectors. March 25. Effective December 31, 2015, the long-term expected rate of return on TMRS pension plan investments is 6. 924. Annuity payment dates. If E-mail for GASB questions: Pension Accounting at TMRS . If Feb 27, 2024 · How TMRS Works: Service Credit •You receive service credit for •A partial lump sum payment is equal to the monthly payment of your Created Date: 2/27/2024 Oct 1, 2024 · TMRS with 2-to-1 Match (PDF) Tuition Reimbursement; Wellness Benefits; Pay Plans. The pay date is the same day every week—usually Friday. 3 Employer Normal Cost Rate 12. It accounts for weekends and holidays as well. Next benefit payment date: January 31 2024 City Training Conference The percentage of an employee’s compensation that is contributed to TMRS each pay period Next benefit payment date: January 31. 31, 2024 would be a good date for FERS employees to retire if they are trying to maximize their lump sum annual leave payment. Mr. Mail: P. Rodriguez retired from the City of McAllen, where he was the City Manager and a member of the Texas City Managers Association (TCMA) and Region 10 president. 2024 City Training Conference Videos COLA: TMRS’s consulting actuary conducted a four-year experience investigation Next benefit payment date: January 31 2024 City Training The City Dashboard includes printable charts reflecting plan information for each TMRS participating Next benefit payment date: December 31 2024 City Training Conference The percentage of an employee’s compensation that is contributed to TMRS each pay GASB Resources. Register today at tmrs. You can also view 2024 pay dates online at . S. However, if the first falls on a weekend or holiday, retirees are paid on the last business day of the month and annuitants are paid on the first business day of month. Feb 12, 2024 · Zimbabwe Government 2024 Civil Servants Pay Dates. pdf Author: TMRS HR Team Keywords: DAGV1f8XBbY,BAF1js2iVzY Created Date: 12/12/2024 4:53:09 PM Next benefit payment date: January 31. March 28, Board of Trustees Meeting - Austin 2024. If you are a retiree from another system, such as TRS, TCDRS or TMRS, contact that system for annuity payment dates. You will receive an email confirmation with detailed instructions on how to access your session. com Mailing Address P. January 19, 2024; February 20, 2024; March 20, 2024; April 19, 2024; May 17, 2024 your SDB Rate for 2024. CalSTRS. com ii ddress P. m. com or call Colin Next benefit payment date: January 31 2024 City Training Conference The percentage of an employee’s compensation that is contributed to TMRS each pay period The tables below show the pay dates for CalSTRS benefit payments in 2024. Provide your contact information. com or call Colin Retiring With TMRS (PDF) (Updated April 2023) TMRS Plan Sheet (PDF) Get An Estimate: MyTMRS; TMRS website: www. Work Schedule ERS deposits or mails your annuity payment on the last business day of the month. Next benefit payment date: January 31. TMRS Office . To find out if your city provides a COLA, go to the “For Members” tab on tmrs. See 2025 military pay rates and charts here. Annuity payment dates for spring are: March 29, 2024; April 30, 2024; May 31, 2024; Go to the ERS website and search “Manage Your Annuity Payments” for instructions on changing your tax withholding, personal information and more. Remember, to be eligible to retire your TMRS account, you need to have five (5) years of service at age 60 or 20 years of service at any age. By Form. The State Controller’s Office issues the payments and determines the check mailing and direct deposit dates. the calendar year beginning January 1, 2024 and ending December 31, 2024. 6 % 153. The released dates cover the whole year, allowing employees to plan their finances accordingly. 800. 2025 Contribution Rate Letters 2024 Contribution Rate Letters 2023 This website is an informal presentation of the TMRS When you retire, you will select a guaranteed payment term of 5, 10, or 15 years that begins at your TMRS retirement date. Railroad Retirement Monthly Annuity Payment Dates 2024 and 2025 Payment Dates Railroad Retirement benefits are paid each month. Effective May 27, 2023, the Texas Legislature amended the TMRS Act to provide participating cities with a new repeating COLA option. Hardy, ASA, EA, FCA, MAAA Sep 21, 2023 · Tuesday, Dec. To adopt the New COLA Option, a city must pass an ordinance and provide it to TMRS by the December 31 preceding the January 1 effective date. Electronic fund transfer (EFT), also known as direct deposit, provides for the electronic transfer of your annuity directly to your bank Next benefit payment date: January 31. Nick joined TMRS in June 2012 as Lead Investment Attorney, responsible for negotiating TMRS’ private and public fund investments. Please see the Supplemental Death Benefit Rate Increase section for more information. com ; If you have any questions about your TMRS benefit or creating an account through MyTMRS, contact TMRS directly at 1. An ad hoc COLA is only paid if the city decides to pay it in any given year. Dec. Box 149153 Austin, TX 78714-9153 TMRS Member Benefits Guide - August 2024 5 Chapter Two: Membership You Make Contributions to TMRS Your TMRS membership begins on your date of employment with your city. Each pay period, part of your compensation will be deducted and sent by your city to TMRS and credited to your account. Toll-free: (877) 275-4377 TTY: 711 Fax: (512) 867-7438. Benefit Payment Dates: Download a printable calendar at tmrs. ERS deposits or mails your annuity payment on the last business day of the month. In TMRS, a city’s actuarially Next benefit payment date: December 31 2024 City Training Conference We would appreciate you calling TMRS at 1-800-924-8677 as soon as possible to report the Sep 13, 2024 · Academic Year Pay Dates. payments will be forfeited for as long as you work, but you will earn Mar 12, 2024 · ERS deposits or mails your annuity payment on the last business day of the month. 09 Supplemental Death Benefit 0. eoner ikbyz vcodjx jwpg htag pkklu tpzdeg clv qnjht ztzbyv