South Plains Financial

-7.41%

Live  

South Plains Financial, Inc. is a financial holding company based in the United States. It is primarily involved in providing banking and financial services through its subsidiary, South Plains Bank. The company is headquartered in Lubbock, Texas, and focuses on serving communities in the South Plains region and beyond.
South Plains Bank offers a range of services, including personal and commercial banking, loan products, mortgage services, and wealth management. The bank aims to cater to both individual and business customers, providing tailored financial solutions to meet their needs.
South Plains Financial is publicly traded, and its stock is listed on the NASDAQ under the ticker symbol SPFI. The company has a commitment to community involvement and emphasizes building strong relationships with its customers.
Over the years, South Plains Financial has pursued a strategy of growth through acquisitions, expanding its footprint and increasing its market presence. This strategy has helped the company enhance its service offerings and improve its competitive position in the financial services industry.
As of the most recent data, the company continues to focus on maintaining strong financial performance while investing in technology and customer service initiatives to enhance the overall banking experience for its clients.

T2theSEgU2 8sIFNvdXRo IFBsYWlucy BGaW5hbmNp YWwgaXMgYS Bjb21wYW55 IHRoYXQgaG VscHMgcGVv cGxlIGFuZC BidXNpbmVz c2VzIHdpdG ggdGhlaXIg bW9uZXkuIF lvdSBjYW4g dGhpbmsgb2 YgaXQgbGlr ZSBhIGJpZy BwaWdneSBi YW5rLCBidX QgZXZlbiBt b3JlIHRoYW 4gdGhhdC4g VGhleSBoYX ZlIGJhbmtz IHdoZXJlIH Blb3BsZSBj YW4gZGVwb3 NpdCB0aGVp ciBtb25leS B0byBrZWVw IGl0IHNhZm UsIGFuZCB0 aGV5IGFsc2 8gZ2l2ZSBv dXQgbG9hbn MsIGtpbmQg b2YgbGlrZS B3aGVuIGEg ZnJpZW5kIG JvcnJvd3Mg eW91ciB0b3 kgYW5kIHBy b21pc2VzIH RvIGdpdmUg aXQgYmFjay BsYXRlci48 YnI+Tm93LC Bob3cgZG9l cyBTb3V0aC BQbGFpbnMg RmluYW5jaW FsIG1ha2Ug bW9uZXk/IF dlbGwsIHdo ZW4gdGhleS BnaXZlIGxv YW5zIHRvIH Blb3BsZSBv ciBidXNpbm Vzc2VzLCB0 aGV5IGNoYX JnZSBhIGxp dHRsZSBleH RyYSBtb25l eSBjYWxsZW QgaW50ZXJl c3QuIFNvIG lmIHNvbWVv bmUgYm9ycm 93cyAkMTAw LCB0aGV5IG 1pZ2h0IHBh eSBiYWNrIC QxMTAgbGF0 ZXIsIGFuZC B0aGF0IGV4 dHJhICQxMC BpcyBob3cg dGhlIGJhbm sgZWFybnMg c29tZSBtb2 5leS4gQWxz bywgdGhleS BlYXJuIG1v bmV5IGZyb2 0gdGhlIGZl ZXMgcGVvcG xlIHBheSBm b3Igc2Vydm ljZXMgbGlr ZSB1c2luZy BBVE1zIG9y IGNoZWNraW 5nIGFjY291 bnRzLjxicj 5BcyBmb3Ig YmVpbmcgc3 VjY2Vzc2Z1 bCwgU291dG ggUGxhaW5z IEZpbmFuY2 lhbCBpcyBw cm9iYWJseS BncmVhdCBh dCB3aGF0IG l0IGRvZXMu IFRoZXkgaG VscCB0aGVp ciBjdXN0b2 1lcnMgZmVl bCBzYWZlIH dpdGggdGhl aXIgbW9uZX kgYW5kIG1h a2UgZ29vZC BjaG9pY2Vz LiBQbHVzLC B0aGV5IG1p Z2h0IGhhdm UgZ29vZCB0 ZWNobm9sb2 d5LCBmcmll bmRseSBlbX Bsb3llZXMs IGFuZCBuaW NlIGJyYW5j aGVzIHdoZX JlIHBlb3Bs ZSBsaWtlIH RvIGdvLjxi cj5UbyBrZW VwIGJlaW5n IHN1Y2Nlc3 NmdWwgaW4g dGhlIGZ1dH VyZSwgdGhl eeKAmWxsIG 5lZWQgdG8g a2VlcCBoZW xwaW5nIGN1 c3RvbWVycy B3ZWxsLCBi ZSBzbWFydC BhYm91dCBu ZXcgdGVjaG 5vbG9neSwg YW5kIHVuZG Vyc3RhbmQg d2hhdCBwZW 9wbGUgd2Fu dCBhbmQgbm VlZCB3aXRo IHRoZWlyIG 1vbmV5LiBJ ZiB0aGV5IG NvbnRpbnVl IGRvaW5nIG FsbCB0aGF0 LCB0aGV54o CZbGwgbGlr ZWx5IHN0YX kgc3Ryb25n IGFuZCBzdW NjZXNzZnVs IGZvciB5ZW FycyB0byBj b21lITxicj 4=

U291dGggUG xhaW5zIEZp bmFuY2lhbC wgSW5jLiBp cyBub3RhYm xlIGZvciBz ZXZlcmFsIH JlYXNvbnMu IEl0IG9wZX JhdGVzIGFz IGEgYmFuay Bob2xkaW5n IGNvbXBhbn ksIHByaW1h cmlseSB0aH JvdWdoIGl0 cyBzdWJzaW RpYXJ5LCBT b3V0aCBQbG FpbnMgTmF0 aW9uYWwgQm Fuaywgc2Vy dmluZyB2YX Jpb3VzIGNv bW11bml0aW VzIGluIFdl c3QgVGV4YX MgYW5kIEVh c3Rlcm4gTm V3IE1leGlj by4gVGhlIG NvbXBhbnkg aXMgcmVjb2 duaXplZCBm b3IgaXRzIH N0cm9uZyBm b2N1cyBvbi Bjb21tdW5p dHkgYmFua2 luZyBhbmQg cGVyc29uYW xpemVkIGN1 c3RvbWVyIH NlcnZpY2Us IG9mdGVuIG VtcGhhc2l6 aW5nIGl0cy Bjb21taXRt ZW50IHRvIG J1aWxkaW5n IGxvbmctdG VybSByZWxh dGlvbnNoaX BzIHdpdGgg Y2xpZW50cy 48YnI+QWRk aXRpb25hbG x5LCBTb3V0 aCBQbGFpbn MgRmluYW5j aWFsIGhhcy BiZWVuIGFj dGl2ZWx5IG ludm9sdmVk IGluIHN0cm F0ZWdpYyBn cm93dGgsIG luY2x1ZGlu ZyBhY3F1aX NpdGlvbnMg dGhhdCBleH BhbmQgaXRz IGZvb3Rwcm ludCBhbmQg cHJvZHVjdC BvZmZlcmlu Z3MuIFRoaX MgZ3Jvd3Ro IHN0cmF0ZW d5IGhlbHBz IHRvIGVuaG FuY2UgaXRz IGNvbXBldG l0aXZlIHBv c2l0aW9uIG luIHRoZSBy ZWdpb25hbC BiYW5raW5n IGxhbmRzY2 FwZS4gVGhl IGNvbXBhbn kgYWxzbyBw bGFjZXMgYS BzdHJvbmcg ZW1waGFzaX Mgb24gdGVj aG5vbG9naW NhbCBpbm5v dmF0aW9uLC BhaW1pbmcg dG8gcHJvdm lkZSBtb2Rl cm4gYmFua2 luZyBzb2x1 dGlvbnMgdG hhdCBjYXRl ciB0byB0aG UgZXZvbHZp bmcgbmVlZH Mgb2YgaXRz IGN1c3RvbW Vycy48YnI+ TW9yZW92ZX IsIFNvdXRo IFBsYWlucy BGaW5hbmNp YWwgb2Z0ZW 4gZm9jdXNl cyBvbiBtYW ludGFpbmlu ZyBhIGhlYW x0aHkgZmlu YW5jaWFsIH BlcmZvcm1h bmNlLCB3aG ljaCBpbmNs dWRlcyBzdH JvbmcgYXNz ZXQgcXVhbG l0eSBhbmQg Y2FwaXRhbC BtYW5hZ2Vt ZW50LCBtYW tpbmcgaXQg YW4gYXR0cm FjdGl2ZSBv cHRpb24gZm 9yIGludmVz dG9ycyBpbn RlcmVzdGVk IGluIGNvbW 11bml0eS1v cmllbnRlZC BiYW5raW5n IGluc3RpdH V0aW9ucy4g T3ZlcmFsbC wgaXRzIGNv bWJpbmF0aW 9uIG9mIGNv bW11bml0eS Bmb2N1cywg Z3Jvd3RoIH N0cmF0ZWd5 LCBhbmQgdG VjaG5vbG9n aWNhbCBhZG FwdGF0aW9u IHNldHMgaX QgYXBhcnQg aW4gdGhlIG ZpbmFuY2lh bCBzZXJ2aW NlcyBpbmR1 c3RyeS48Yn I+

U291dGggUG xhaW5zIEZp bmFuY2lhbC BwcmltYXJp bHkgb3Blcm F0ZXMgYXMg YSBiYW5rIG hvbGRpbmcg Y29tcGFueS 4gSXRzIGJ1 c2luZXNzIG 1vZGVsIGlu Y2x1ZGVzIH NldmVyYWwg a2V5IGNvbX BvbmVudHM6 PGJyPjEuID xzdHJvbmc+ QmFua2luZy BTZXJ2aWNl czwvc3Ryb2 5nPjogU291 dGggUGxhaW 5zIEZpbmFu Y2lhbOKAmX MgbWFpbiBz dWJzaWRpYX J5IGlzIGEg Y29tbXVuaX R5IGJhbmsg dGhhdCBvZm ZlcnMgdHJh ZGl0aW9uYW wgYmFua2lu ZyBzZXJ2aW NlcyBzdWNo IGFzIGNoZW NraW5nIGFu ZCBzYXZpbm dzIGFjY291 bnRzLCBwZX Jzb25hbCBh bmQgY29tbW VyY2lhbCBs b2FucywgbW 9ydGdhZ2Vz LCBhbmQgY3 JlZGl0IHNl cnZpY2VzLj xicj4yLiA8 c3Ryb25nPk ZvY3VzIG9u IENvbW11bm l0eSBCYW5r aW5nPC9zdH Jvbmc+OiBU aGUgY29tcG FueSBlbXBo YXNpemVzIG J1aWxkaW5n IHJlbGF0aW 9uc2hpcHMg d2l0aGluIG l0cyBsb2Nh bCBjb21tdW 5pdGllcy4g VGhpcyBmb2 N1cyBhbGxv d3MgaXQgdG 8gdGFpbG9y IHNlcnZpY2 VzIHRvIHRo ZSBuZWVkcy BvZiBsb2Nh bCBjdXN0b2 1lcnMgYW5k IGJ1c2luZX NzZXMsIHRo ZXJlYnkgZm 9zdGVyaW5n IGxveWFsdH kgYW5kIHJl cGVhdCBidX NpbmVzcy48 YnI+My4gPH N0cm9uZz5E aXZlcnNpZm ljYXRpb24g b2YgRmluYW 5jaWFsIFBy b2R1Y3RzPC 9zdHJvbmc+ OiBCZXlvbm Qgc3RhbmRh cmQgYmFua2 luZyBwcm9k dWN0cywgU2 91dGggUGxh aW5zIEZpbm FuY2lhbCBt YXkgb2ZmZX IgaW52ZXN0 bWVudCwgaW 5zdXJhbmNl LCBhbmQgd2 VhbHRoIG1h bmFnZW1lbn Qgc2Vydmlj ZXMsIHdoaW NoIGhlbHAg ZGl2ZXJzaW Z5IGl0cyBy ZXZlbnVlIH N0cmVhbXMg YW5kIGFwcG VhbCB0byBh IGJyb2FkZX IgY3VzdG9t ZXIgYmFzZS 48YnI+NC4g PHN0cm9uZz 5SZXRhaWwg YW5kIENvbW 1lcmNpYWwg QmFua2luZz wvc3Ryb25n PjogVGhlIG NvbXBhbnkg c2VydmVzIG JvdGggcmV0 YWlsIGNvbn N1bWVycyBh bmQgY29tbW VyY2lhbCBj bGllbnRzLi BUaGlzIGR1 YWwgZm9jdX MgYWxsb3dz IGl0IHRvIG dlbmVyYXRl IGluY29tZS Bmcm9tIHZh cmlvdXMgc2 91cmNlcywg aW5jbHVkaW 5nIGludGVy ZXN0IGZyb2 0gbG9hbnMg YW5kIGZlZX MgZnJvbSBz ZXJ2aWNlcy 48YnI+NS4g PHN0cm9uZz 5Hcm93dGgg U3RyYXRlZ3 k8L3N0cm9u Zz46IFNvdX RoIFBsYWlu cyBGaW5hbm NpYWwgZW5n YWdlcyBpbi BzdHJhdGVn aWMgYWNxdW lzaXRpb25z IGFuZCBleH BhbnNpb25z IHRvIGdyb3 cgaXRzIG1h cmtldCBwcm VzZW5jZSwg aW5jcmVhc2 UgaXRzIGN1 c3RvbWVyIG Jhc2UsIGFu ZCBlbmhhbm NlIGl0cyBj b21wZXRpdG l2ZSBwb3Np dGlvbiBpbi B0aGUgaW5k dXN0cnkuPG JyPjYuIDxz dHJvbmc+RG lnaXRhbCBC YW5raW5nIE luaXRpYXRp dmVzPC9zdH Jvbmc+OiBU aGUgY29tcG FueSBpbnZl c3RzIGluIH RlY2hub2xv Z3kgdG8gaW 1wcm92ZSBj dXN0b21lci BleHBlcmll bmNlLCBzdH JlYW1saW5l IG9wZXJhdG lvbnMsIGFu ZCBwcm92aW RlIG9ubGlu ZSBhbmQgbW 9iaWxlIGJh bmtpbmcgc2 VydmljZXMs IGFwcGVhbG luZyB0byB0 ZWNoLXNhdn Z5IGN1c3Rv bWVycyBhbm QgaW5jcmVh c2luZyBlZm ZpY2llbmN5 Ljxicj5Pdm VyYWxsLCBT b3V0aCBQbG FpbnMgRmlu YW5jaWFs4o CZcyBidXNp bmVzcyBtb2 RlbCByZXZv bHZlcyBhcm 91bmQgcHJv dmlkaW5nIG Egd2lkZSBy YW5nZSBvZi BmaW5hbmNp YWwgc2Vydm ljZXMgd2hp bGUgbWFpbn RhaW5pbmcg YSBzdHJvbm cgY29tbXVu aXR5LWNlbn RyaWMgYXBw cm9hY2ggYW 5kIHB1cnN1 aW5nIGdyb3 d0aCBvcHBv cnR1bml0aW VzIGluIHRo ZSBiYW5raW 5nIHNlY3Rv ci48YnI+

AI has the potential to impact financial institutions like South Plains Financial in several key ways, posing both challenges and opportunities.
1. Substitution: AI-driven platforms can provide alternative financial services, such as robo-advisors for investment management or automated lending solutions. These alternatives could gain market share if they offer lower fees, faster service, or improved user experiences compared to traditional banking methods. South Plains Financial may need to innovate its offerings to remain competitive.
2. Disintermediation: The rise of AI can facilitate direct transactions between consumers and service providers, bypassing traditional financial intermediaries. For example, blockchain technology and AI can streamline peer-to-peer lending or investment processes. If customers start to favor direct solutions over traditional banking relationships, South Plains Financial could see its relevance decrease unless it adapts its business model.
3. Margin Pressure: The introduction of AI can lead to operational efficiencies, enabling competitors to lower costs and provide services at a lower price. This increased competition may apply pressure on South Plains Financial to reduce its own margins to stay competitive. Additionally, AI may lead to innovations that disrupt pricing models, necessitating a review of how services are offered and priced.
In summary, while AI presents potential risks in substitution, disintermediation, and margin pressure for South Plains Financial, it also offers opportunities for enhanced efficiency, improved customer experiences, and innovative service offerings if the company proactively embraces these technologies.

South Plains Financial’s earnings, cash flow, and overall valuation can be significantly impacted by changes in interest rates.
1. Earnings Sensitivity: If interest rates rise, the company’s interest income from loans may increase, potentially boosting earnings. However, if they have a significant proportion of fixed-rate loans, the impact may be muted. Conversely, falling rates can compress net interest margins, negatively affecting profitability.
2. Cash Flow Sensitivity: Interest rates influence the cash flow dynamics as well. Higher rates typically lead to increased borrowing costs for customers, which may impact loan demand and repayment capacities. This scenario can reduce the company’s cash inflows from interest payments. Lower rates may enhance cash flow in the short term, facilitating refinancing and borrowing.
3. Valuation Sensitivity: The company’s valuation is often tied to its discounted cash flows and earnings projections. Rising interest rates increase the discount rate used in valuation models, which could lower the present value of future cash flows, making the company less attractive to investors. On the other hand, lower rates may enhance valuations through higher present values of cash flows.
In conclusion, South Plains Financial is indeed sensitive to interest rate changes, with possible positive and negative effects depending on the direction of those changes, the duration of interest rates, and the company’s financial structure.

QSBwb3Rlbn RpYWwgc2Nl bmFyaW8gdG hhdCBjb3Vs ZCBwZXJtYW 5lbnRseSBp bXBhaXIgU2 91dGggUGxh aW5zIEZpbm FuY2lhbOKA mXMgZWNvbm 9taWNzIG92 ZXIgdGhlIG 5leHQgM+KA kzUgeWVhcn MgY291bGQg YmUgYSBzaW duaWZpY2Fu dCBhbmQgcH JvbG9uZ2Vk IGVjb25vbW ljIGRvd250 dXJuIGluIH RoZSBUZXhh cyByZWdpb2 4sIGV4YWNl cmJhdGVkIG J5IGEgY29t YmluYXRpb2 4gb2YgZmFj dG9ycyBpbm NsdWRpbmcg ZGVjbGluaW 5nIG9pbCBw cmljZXMsIH Jpc2luZyB1 bmVtcGxveW 1lbnQgcmF0 ZXMsIGFuZC BhIHByb2xv bmdlZCBob3 VzaW5nIG1h cmtldCBzbH VtcC4gVGhp cyBzY2VuYX JpbyBjb3Vs ZCBsZWFkIH RvIGEgZGVj cmVhc2UgaW 4gZGVtYW5k IGZvciBiYW 5raW5nIHNl cnZpY2VzLC BpbmNyZWFz ZWQgbG9hbi BkZWZhdWx0 cywgYW5kIG dlbmVyYWxs eSByZWR1Y2 VkIGVjb25v bWljIGFjdG l2aXR5Ljxi cj5JbiB0aG lzIHNjZW5h cmlvLCB0aG UgY29tcGFu eeKAmXMgbW FyZ2lucyBt aWdodCBjb2 50cmFjdCBz aGFycGx5IG R1ZSB0byBh IGNvbWJpbm F0aW9uIG9m IHJpc2luZy Bsb2FuIGxv c3MgcHJvdm lzaW9ucyBh cyBkZWZhdW x0cyBpbmNy ZWFzZSBhbm QgcmVkdWNl ZCBpbnRlcm VzdCBpbmNv bWUgZnJvbS BhIHNocmlu a2luZyBsb2 FuIHBvcnRm b2xpby4gV2 l0aCBmZXdl ciBidXNpbm Vzc2VzIGFu ZCBjb25zdW 1lcnMgc2Vl a2luZyBsb2 FucywgaW50 ZXJlc3QgaW 5jb21lIHdv dWxkIGxpa2 VseSBkZWNs aW5lIHNpZ2 5pZmljYW50 bHkuIEFkZG l0aW9uYWxs eSwgdGhlIG NvbXBhbnkg bWF5IGhhdm UgdG8gbG93 ZXIgaW50ZX Jlc3QgcmF0 ZXMgdG8gcm VtYWluIGNv bXBldGl0aX ZlLCBmdXJ0 aGVyIHNxdW VlemluZyBu ZXQgaW50ZX Jlc3QgbWFy Z2lucy48Yn I+Q2FzaCBm bG93IGNvdW xkIGJlIGhl YXZpbHkgaW 1wYWN0ZWQg YXMgd2VsbC 4gVGhlIHJl ZHVjdGlvbi BpbiBsb2Fu IGRlbWFuZC B3b3VsZCBs ZWFkIHRvIG xvd2VyIGlu Zmxvd3MgZn JvbSBpbnRl cmVzdCBhbm QgZmVlcywg d2hpbGUgaW 5jcmVhc2Vk IHdyaXRlLW 9mZnMgYW5k IHByb3Zpc2 lvbnMgZm9y IGJhZCBkZW J0cyB3b3Vs ZCBjcmVhdG UgYW4gb3V0 ZmxvdyBvZi BjYXNoLiBJ ZiB0aGUgY2 9tcGFueSBm YWlscyB0by BtYW5hZ2Ug aXRzIG9wZX JhdGluZyBl eHBlbnNlcy BlZmZlY3Rp dmVseSBkdX JpbmcgdGhp cyBwZXJpb2 QsIGl0IGNv dWxkIGZhY2 UgbGlxdWlk aXR5IGNoYW xsZW5nZXMs IGZ1cnRoZX IgYWZmZWN0 aW5nIGl0cy BmaW5hbmNp YWwgaGVhbH RoLjxicj5S ZWdhcmRpbm cgdGhlIGJh bGFuY2Ugc2 hlZXQsIHRo ZSBjb21wYW 55IGNvdWxk IGV4cGVyaW VuY2UgYSBy aXNlIGluIG 5vcGVyZm9y bWluZyBsb2 FucywgbGVh ZGluZyB0by BhIGRldGVy aW9yYXRpb2 4gaW4gYXNz ZXQgcXVhbG l0eS4gVGhl IHZhbHVlIG 9mIHJlYWwg ZXN0YXRlIG NvbGxhdGVy YWwgbWF5IG Fsc28gZGVj bGluZSBkdW UgdG8gYSBk ZXByZXNzZW QgaG91c2lu ZyBtYXJrZX QsIHJlZHVj aW5nIHRoZS BlZmZlY3Rp dmVuZXNzIG 9mIGNvbGxh dGVyYWwtYm Fja2VkIGxv YW5zLiBNb3 Jlb3Zlciwg aW52ZXN0b3 JzIG1heSBy ZWFjdCBuZW dhdGl2ZWx5 LCBpbXBhY3 RpbmcgdGhl IGNvbXBhbn nigJlzIGVx dWl0eSBhbm Qgb3ZlcmFs bCBmaW5hbm NpYWwgc3Rh YmlsaXR5LC B3aGljaCBj b3VsZCBsZW FkIHRvIGEg c2lnbmlmaW NhbnQgZGVj bGluZSBpbi BzdG9jayBw cmljZSBhbm QgbWFya2V0 IHZhbHVhdG lvbi4gVGhl IGNvbWJpbm F0aW9uIG9m IGxvd2VyIG Fzc2V0IHZh bHVlcywgcm VkdWNlZCBj YXBpdGFsLC BhbmQgdGln aHRlciBsaX F1aWRpdHkg d291bGQgaW 1wb3NlIHNl dmVyZSBjb2 5zdHJhaW50 cyBvbiBTb3 V0aCBQbGFp bnMgRmluYW 5jaWFs4oCZ cyBhYmlsaX R5IHRvIGdy b3cgb3IgZX ZlbiBzdXN0 YWluIGl0cy BvcGVyYXRp b25zIGluIH N1Y2ggYSBj aGFsbGVuZ2 luZyBlbnZp cm9ubWVudC 4gT3ZlcmFs bCwgdGhlIG xvbmctdGVy bSBvdXRsb2 9rIGZvciB0 aGUgY29tcG FueSB3b3Vs ZCBiZSBncm ltLCB3aXRo IGEgcG90ZW 50aWFsIG5l ZWQgdG8gcm VzdHJ1Y3R1 cmUgb3Blcm F0aW9ucyBv ciBzZWVrIG V4dGVybmFs IGZpbmFuY2 lhbCBzdXBw b3J0IHRvIG 5hdmlnYXRl IHRocm91Z2 ggdGhlIGNy aXNpcy48Yn I+

CiAgICAgIC AgICAgIDxk aXYgc3R5bG U9J3dpZHRo OiAxMDAlOy BkaXNwbGF5 OiBmbGV4Oy BqdXN0aWZ5 LWNvbnRlbn Q6IGNlbnRl cjsnPgogIC AgICAgICAg ICAgICAgPG RpdiBzdHls ZT0nCiAgIC AgICAgICAg ICAgICAgIC AgZGlzcGxh eTogZmxleD sKICAgICAg ICAgICAgIC AgICAgICBh bGlnbi1pdG VtczogY2Vu dGVyOwogIC AgICAgICAg ICAgICAgIC AgIGJhY2tn cm91bmQtY2 9sb3I6ICNm MGY0Zjg7Ci AgICAgICAg ICAgICAgIC AgICAgYm9y ZGVyOiAxcH ggc29saWQg I2QxZTNmMD sKICAgICAg ICAgICAgIC AgICAgICBi b3JkZXItcm FkaXVzOiAx MHB4OwogIC AgICAgICAg ICAgICAgIC AgIHBhZGRp bmc6IDEwcH g7CiAgICAg ICAgICAgIC AgICAgICAg bWFyZ2luOi AyMHB4IDA7 CiAgICAgIC AgICAgICAg ICAgICAgZm 9udC1mYW1p bHk6ICJTZW dvZSBVSSIs IFJvYm90by wgc2Fucy1z ZXJpZjsKIC AgICAgICAg ICAgICAgIC AgICBib3gt c2hhZG93Oi AwIDJweCA2 cHggcmdiYS gwLCAwLCAw LCAwLjA1KT sKICAgICAg ICAgICAgIC AgICAgICBt YXgtd2lkdG g6IDkwMHB4 OwogICAgIC AgICAgICAg ICAgICAgIH dpZHRoOiAx MDAlOyc+Cg ogICAgICAg ICAgICAgIC AgICAgIDxp bWcgc3JjPS Jhc3NldHMv bG9nb3MvSH BBOGtENm5L WjN0M2UzaW dFb0Mud2Vi cCIgYWx0PS JTb3V0aCBQ bGFpbnMgRm luYW5jaWFs IiB0aXRsZT 0iU291dGgg UGxhaW5zIE ZpbmFuY2lh bCIgIGNsYX NzPSJpbWct Zmx1aWQiIG hlaWdodD01 MCB3aWR0aD 01MCBsb2Fk aW5nPSdsYX p5JyBzdHls ZT0nYm9yZG VyLXJhZGl1 czogNnB4Oy c+CgogICAg ICAgICAgIC AgICAgICAg IDxkaXYgc3 R5bGU9J2Zs ZXg6IDE7IH RleHQtYWxp Z246IGNlbn RlcjsgbWFy Z2luLWxlZn Q6IDVweDsn PgogICAgIC AgICAgICAg ICAgICAgIC AgICA8cCBz dHlsZT0nZm 9udC1zaXpl OiAyNnB4Oy Bjb2xvcjog IzMzMzsgbW FyZ2luLWJv dHRvbTogMT VweDsnPgog ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAg8J+T iCBXYW50IH RvIHJlYWQg bW9yZSBhYm 91dCBTb3V0 aCBQbGFpbn MgRmluYW5j aWFsPwogIC AgICAgICAg ICAgICAgIC AgICAgICA8 L3A+CgogIC AgICAgICAg ICAgICAgIC AgICAgICA8 YSBocmVmPS dpbmRleC5w aHA/cGFnZT 1zaWdudXAn IHN0eWxlPS cKICAgICAg ICAgICAgIC AgICAgICAg ICAgICAgIG JhY2tncm91 bmQtY29sb3 I6ICMwMDdC RkY7CiAgIC AgICAgICAg ICAgICAgIC AgICAgICAg ICBjb2xvcj ogI2ZmZjsK ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgIHBh ZGRpbmc6ID EwcHggMjBw eDsKICAgIC AgICAgICAg ICAgICAgIC AgICAgICAg IGJvcmRlci 1yYWRpdXM6 IDVweDsKIC AgICAgICAg ICAgICAgIC AgICAgICAg ICAgIHRleH QtZGVjb3Jh dGlvbjogbm 9uZTsKICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgIGZvbnQt d2VpZ2h0Oi Bib2xkOwog ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgbWFy Z2luLXJpZ2 h0OiAxMHB4 OwogICAgIC AgICAgICAg ICAgICAgIC AgICAgICAg dHJhbnNpdG lvbjogYmFj a2dyb3VuZC 1jb2xvciAw LjNzIGVhc2 U7JwogICAg ICAgICAgIC AgICAgICAg ICAgICAgIC Agb25tb3Vz ZW92ZXI9J3 RoaXMuc3R5 bGUuYmFja2 dyb3VuZENv bG9yPSIjMD A1NmIzIicK ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgIG9u bW91c2VvdX Q9J3RoaXMu c3R5bGUuYm Fja2dyb3Vu ZENvbG9yPS IjMDA3QkZG Iic+CiAgIC AgICAgICAg ICAgICAgIC AgICAgICAg ICBTaWduIH VwIGZvciBm cmVlCiAgIC AgICAgICAg ICAgICAgIC AgICAgIDwv YT4KCiAgIC AgICAgICAg ICAgICAgIC AgICAgIDxz cGFuIHN0eW xlPSdtYXJn aW46IDAgOH B4OyBjb2xv cjogIzU1NT snPm9yPC9z cGFuPgoKIC AgICAgICAg ICAgICAgIC AgICAgICAg PGEgaHJlZj 0naW5kZXgu cGhwP3BhZ2 U9bG9naW4n IHN0eWxlPS cKICAgICAg ICAgICAgIC AgICAgICAg ICAgICAgIG NvbG9yOiAj MDA3QkZGOw ogICAgICAg ICAgICAgIC AgICAgICAg ICAgICAgdG V4dC1kZWNv cmF0aW9uOi B1bmRlcmxp bmU7CiAgIC AgICAgICAg ICAgICAgIC AgICAgICAg ICBmb250LX dlaWdodDog NTAwOyc+Ci AgICAgICAg ICAgICAgIC AgICAgICAg ICAgICBsb2 cgaW4KICAg ICAgICAgIC AgICAgICAg ICAgICAgPC 9hPgoKCiAg ICAgICAgIC AgICAgICAg ICAgICAgID xwIHN0eWxl PSdtYXJnaW 4tdG9wOiAx NXB4OyBmb2 50LXNpemU6 IDEzcHg7IG ZvbnQtd2Vp Z2h0OiBib2 xkOyBjb2xv cjogI2QzMm YyZjsnPgog ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAg8J+a gCBEb27igJ l0IG1pc3Mg PGk+IlRoZS BDaGVja2xp c3QgVmFsdW UgSW52ZXN0 b3Ig4oCUIE EgU21hcnRl ciBXYXkgdG 8gUGljayBT dG9ja3MiPC 9pPiDigJQg ZnJlZSEKIC AgICAgICAg ICAgICAgIC AgICAgICAg PC9wPgoKIC AgICAgICAg ICAgICAgIC AgICAgICAg PCEtLQogIC AgICAgICAg ICAgICAgIC AgICAgICA8 ZGl2IHN0eW xlPSdtYXJn aW4tdG9wOi AxMnB4OyBm b250LXNpem U6IDEzcHg7 IGNvbG9yOi AjNDQ0Oyc+ CiAgICAgIC AgICAgICAg ICAgICAgIC AgICAgICBT aWduIHVwIG 5vdyBhbmQg Z2V0IG91ci BmcmVlIGVC b29rIAogIC AgICAgICAg ICAgICAgIC AgICAgICAg ICAgPGI+VG hlIENoZWNr bGlzdCBWYW x1ZSBJbnZl c3RvciDigJ QgQSBTbWFy dGVyIFdheS B0byBQaWNr IFN0b2Nrcz wvYj4KICAg ICAgICAgIC AgICAgICAg ICAgICAgPC 9kaXY+CiAg ICAgICAgIC AgICAgICAg ICAgICAgIC 0tPgogICAg ICAgICAgIC AgICAgICAg ICAgICA8IS 0tCiAgICAg ICAgICAgIC AgICAgICAg ICAgIDxkaX Ygc3R5bGU9 J21hcmdpbi 10b3A6IDE2 cHg7IGZvbn Qtc2l6ZTog MTRweDsgY2 9sb3I6ICM0 NDQ7IGZvbn QtZmFtaWx5 OiAtYXBwbG Utc3lzdGVt LCBCbGlua0 1hY1N5c3Rl bUZvbnQsIF NlZ29lIFVJ LCBSb2JvdG 8sIEhlbHZl dGljYSBOZX VlLCBzYW5z LXNlcmlmOy BsaW5lLWhl aWdodDogMS 42Oyc+CiAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgICBIYXZl IHlvdSBoZW FyZCBhYm91 dCBvdXIgc2 hvcnQgPHN0 cm9uZyBzdH lsZT0nZm9u dC13ZWlnaH Q6IDYwMDsn PkRhaWx5IF ZpZGVvIE5l d3NsZXR0ZX I8L3N0cm9u Zz4/CiAgIC AgICAgICAg ICAgICAgIC AgICAgICAg ICA8YSBocm VmPSdodHRw czovL3d3dy 5pbnNpZ2h0 ZnVsdmFsdW UuY29tL25l d3NsZXR0ZX IucGhwJyB0 YXJnZXQ9J1 9ibGFuaycg c3R5bGU9J2 NvbG9yOiAj MDA3QkZGOy B0ZXh0LWRl Y29yYXRpb2 46IG5vbmU7 IGZvbnQtd2 VpZ2h0OiA1 MDA7IG1hcm dpbi1sZWZ0 OiA2cHg7Jz 4KICAgICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgICBGaW5k IG91dCBtb3 JlCiAgICAg ICAgICAgIC AgICAgICAg ICAgICAgIC A8L2E+CiAg ICAgICAgIC AgICAgICAg ICAgICAgID wvZGl2Pgog ICAgICAgIC AgICAgICAg ICAgICAgIC AtLT4KICAg ICAgICAgIC AgICAgICAg ICA8L2Rpdj 4KICAgICAg ICAgICAgIC AgIDwvZGl2 PgogICAgIC AgICAgICA8 L2Rpdj4KIC AgICAgICAg ICAgCiAgIC AgICAgCiAg ICAgICAgPH NwYW4gY2xh c3M9J2JsdX JyZWQtdGV4 dCc+CiAgIC AgICAgICAg IFUyOTFkR2 dnVUcgeGhh VzV6SUVacC BibUZ1WTJs aGJDIHdnU1 c1akxpQnAg Y3lCaElHSm hibSBzZ2FH OXNaR2x1IF p5QmpiMjF3 WVcgNTVJR0 poYzJWayBJ R2x1SUV4MV ltIEp2WTJz c0lGUmwgZU dGekxpQkla WCBKbElHRn laU0J6IGIy MWxJR2x1ZE cgVnlaWE4w YVc1biBJR1 poWTNSeklH IEZpYjNWME lIUm8gWlNC amIyMXdZVy A1NU9qeGlj ajR4IExpQl RiM1YwYUMg QlFiR0ZwYm 5NZyBSbWx1 WVc1amFXIE ZzSUhkaGN5 Qm0gYjNWdV pHVmtJRyBs dUlERTVNRG NzIElHMWhh Mmx1WnkgQn BkQ0J2Ym1V ZyBiMllnZE dobElHIHh2 Ym1jdGMzUm ggYm1ScGJt Y2dabSBsdV lXNWphV0Zz IElHbHVjM1 JwZEggVjBh Vzl1Y3lCcC BiaUIwYUdV Z2NtIFZuYV c5dUxqeGkg Y2o0eUxpQl VhRyBVZ1ky OXRjR0Z1IG VTQnZjR1Z5 WVggUmxjeU J3Y21sdCBZ WEpwYkhrZ2 RHIGh5YjNW bmFDQnAgZE hNZ1ltRnVh MiBsdVp5Qn pkV0p6IGFX UnBZWEo1TE MgQlRiM1Yw YUNCUSBiR0 ZwYm5NZ1Ft IEZ1YXl3Z2 QyaHAgWTJn Z2NISnZkbS Bsa1pYTWdZ U0IzIGFXUm xJSEpoYm0g ZGxJRzltSU dKaCBibXRw Ym1jZ2MyIF Z5ZG1salpY TWcgYVc1am JIVmthVyA1 bklIQmxjbk 52IGJtRnNJ R0poYm0gdH BibWNzSUdK MSBjMmx1Wl hOeklHIEpo Ym10cGJtY3 MgSUdGdVpD QnRiMyBKMF oyRm5aU0J6 IFpYSjJhV0 5sY3kgNDhZ bkkrTXk0Zy BVMjkxZEdn Z1VHIHhoYV c1eklFSmgg Ym1zZ2FYTW dhMiA1dmQy NGdabTl5IE lHbDBjeUJ6 ZEggSnZibW NnWTI5dCBi WFZ1YVhSNU lHIGx1ZG05 c2RtVnQgWl c1MExDQnpk WCBCd2IzSj BhVzVuIElH eHZZMkZzSU cgOXlaMkZ1 YVhwaCBkR2 x2Ym5Nc0lH IE5vWVhKcG RHbGwgY3l3 Z1lXNWtJRy BsdWFYUnBZ WFJwIGRtVn pJSFJ2SUgg QnliMjF2ZE dVZyBaV052 Ym05dGFXIE 1nWkdWMlpX eHYgY0cxbG JuUWdhVyA0 Z2RHaGxJR0 Z5IFpXRnpJ R2wwSUggTm xjblpsY3k0 OCBZbkkrTk M0Z1ZHIGhs SUdOdmJYQm ggYm5rZ2FH RnpJRyBWNG NHVnlhV1Z1 IFkyVmtJSE 5wWjIgNXBa bWxqWVc1MC BJR2R5YjNk MGFDIEIwYU hKdmRXZG8g SUdKdmRHZ2 diMyBKbllX NXBZeUJsIG VIQmhibk5w YjIgNGdZVz VrSUdGaiBj WFZwYzJsMG FXIDl1Y3k0 Z1NYUnogSU dkeWIzZDBh QyBCemRISm hkR1ZuIGVT Qm9ZWE1nWV cgeHNiM2Rs WkNCcCBkQ0 IwYnlCcGJt IE55WldGel pTQnAgZEhN Z2JXRnlhMi BWMElIQnla WE5sIGJtTm xJR2x1SUYg UmxlR0Z6TG p4aSBjajQx TGlCVGIzIF YwYUNCUWJH RnAgYm5NZ1 JtbHVZVyA1 amFXRnNJR1 Z0IGNHaGhj Mmw2WlggTW dZU0JqZFhO MCBiMjFsY2 kxalpXIDUw Y21saklHRn cgY0hKdllX Tm9MQyBCbW IyTjFjMmx1 IFp5QnZiaU J3WlggSnpi MjVoYkdsNi BaV1FnYzJW eWRtIGxqWl NCaGJtUWcg ZEdGcGJHOX laVyBRZ1pt bHVZVzVqIG FXRnNJSE52 YkggVjBhVz l1Y3lCbSBi M0lnYVhSek lHIE5zYVdW dWRITXUgUE dKeVBqWXVJ RiBSb1pTQm piMjF3IFlX NTVJR2x6SU ggQjFZbXhw WTJ4NSBJSF J5WVdSbFpD IEJoYm1RZ2 JHbHogZEdW a0lHOXVJSC BSb1pTQk9R Vk5FIFFWRW dkVzVrWlgg SWdkR2hsSU hScCBZMnRs Y2lCemVXID FpYjJ3Z1Ux QkcgU1M0OF luSStOeSA0 Z1UyOTFkR2 dnIFVHeGhh VzV6SUUgWn BibUZ1WTJs aCBiQ0JvWV hNZ2NtIFZq WldsMlpXUW cgY21WamIy ZHVhWCBScG IyNGdabTl5 IElHbDBjeU JtYVcgNWhi bU5wWVd3Zy BjM1J5Wlc1 bmRHIGdzSU cxaGFXNTAg WVdsdWFXNW 5JRyBFZ2My OXNhV1FnIF kyRndhWFJo YkMgQndiM0 5wZEdsdiBi aUJoYm1RZ2 NHIDl6YVhS cGRtVWcgY0 dWeVptOXli VyBGdVkyVW diV1YwIGNt bGpjeTQ4WW 4gSStPQzRn VkdobCBJRz l5WjJGdWFY IHBoZEdsdm JpQm8gWVhN Z1lXeHpieS BCcGJuWmxj M1JsIFpDQn BiaUIwWlcg Tm9ibTlzYj JkNSBJSFJ2 SUdWdWFHIE Z1WTJVZ2RH aGwgSUdKaG JtdHBibSBj Z1pYaHdaWE pwIFpXNWpa U3dnYjIgWm 1aWEpwYm1j ZyBiMjVzYV c1bElHIEpo Ym10cGJtY3 MgSUcxdllt bHNaUyBCaV lXNXJhVzVu IElHRndjSE 1zSUcgRnVa Q0IyWVhKcC BiM1Z6SUdS cFoyIGwwWV d3Z2MyVnkg ZG1salpYTW dkRyA4Z2JX VmxkQ0IwIG FHVWdibVZs WkggTWdiMl lnYVhSeiBJ R04xYzNSdm JXIFZ5Y3k0 OFluSSsgT1 M0Z1ZHaGxJ RyBKaGJtc2 dkSGx3IGFX TmhiR3g1SU cgOW1abVZ5 Y3lCaiBiMj F3WlhScGRH IGwyWlNCeV lYUmwgY3lC dmJpQnNiMi BGdWN5Qmhi bVFnIFpHVn diM05wZEgg TXNJRzFoYT JsdSBaeUJw ZENCaGJpIE JoZEhSeVlX TjAgYVhabE lHOXdkRyBs dmJpQm1iM0 lnIGNtVnph V1JsYm4gUn pJR0Z1WkNC aSBkWE5wYm 1WemMyIFZ6 SUdsdUlIUm 8gWlNCVGIz VjBhQyBCUW JHRnBibk1n IGNtVm5hVz l1SUcgOW1J RlJsZUdGei BManhpY2o0 eE1DIDRnVT I5MWRHZ2cg VUd4aGFXNX pJRSBacGJt RnVZMmxoIG JDQnlaVzFo YVcgNXpJR0 52YlcxcCBk SFJsWkNCMG J5IEJ0WVds dWRHRnAgYm 1sdVp5QmhJ SCBOMGNtOX VaeUJqIGIy MXRkVzVwZE gga2dZbUZ1 YXlCbCBkR2 h2Y3lCM2FH IGxzWlNCbG VIQmggYm1S cGJtY2dhWC BSeklITmxj blpwIFkyVn pJR0Z1WkMg Qm1iMjkwY0 hKcCBiblFn YVc0Z2RHIG hsSUZSbGVH RnogSUdKaG JtdHBibSBj Z2FXNWtkWE 4wIGNua3VQ R0p5UGcgPT 0KICAgICAg ICA8L3NwYW 4+CiAgICAg ICAgCiAgIC AgICAg