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1Plus1 Loans API Guide - V2.5

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API Guide - v2.5

Last Modified - 18/06/2021

Introduction

Thank you for considering “1 Plus 1 Loans” as a lender for your brokerage, this guide aims to provide you with all the information required in order for you to successfully interface with our server so that you may send your loan applications to us quickly and easily. 

This guide will discuss how to post data to our server and what will be sent in response.  If you have any questions whatsoever about the information in this guide then please do not hesitate to contact us at the following e-mail address where we will endeavour to provide you with a comprehensive answer as quickly as possible:  support@1plus1loans.co.uk.

Posting Data

To POST application data to the “1 Plus 1 Loans” server, there are two URLs that may be used, a testing URL and a live URL.  Both are listed below; please be mindful that applications sent to the live server will be dealt with as though they are a real application.

 

Testing URL

https://uatwebservices.1plus1loans.co.uk/Affiliate/RegisterEnquiry.ashx

Live URL

https://webservices.1plus1loans.co.uk/Affiliate/RegisterEnquiry.ashx

 

It is important to note that before you can pass applications to the server, you must first be authorised to do so i.e. you require an API key and an API password.  This is required so that any applications sent to the server can be authenticated as coming from a trusted broker. To obtain these credentials please send an e-mail to: support@1plus1loans.co.uk and we will reply with this information as quickly as possible.

NB – Both the Live and Test webservices can only be accessed via https. We advise using the TLS 1.2 protocol (or newer) as older/weaker protocols will not be supported.

The data required to be passed to the server is listed in Table 1 below; please be advised that the data to be posted should be a continuous string.  Therefore, as you will be passing a string, the only issues that need to be checked with respect to the data submitted are:

Figure 1 provides you with a model string that is to be sent to our server, however, please make note of the requirements listed below.  The model string listed will be accepted by the server (unless the applicant already exists) so please consult this model should you run into difficulties when posting applications to us. Figure 2 shows a version including a guarantor’s details. 

 

Requirements for Application Data

  1. Data to be posted should be a STRING.
  2. Data should be UTF-8 encoded.
  3. Each variable and its data should be posted as: 
  4. VariableName=Data
  5. Each variable/data pair should be separated by an ampersand (&), for example: 
    1. VariableName1=Data1& VariableName2=Data2&...
  6. Depending on the method you are using to send the data the first variable declared may need to be preceded by a question mark (?), for example:
    1. ?VariableName1=Data1
  7. Guarantor variables are optional by default. But if the GuarantorForename or GuarantorSurname are posted then the other required variables become mandatory.
  8. GuarantorCheckPermission must be provided if supplying a guarantor, by setting this value as True you are indicating said person has given permission for their data to be used in soft CRA checks

Note, as of 20/11/2020, leads may now be submitted via json. Unfortunately due to legacy issues we have not implemented objects to separated components at this time (it's in the pipeline!) so all variables are passed as one json object. For an example json request, click here

 


A guarantor may only be provided so long as they have consented for their data to be used by third party credit reference agencies. When a guarantor’s details are submitted, they will undergo validity checks and upon passing these will be Credit Checked to ensure they meet our criteria and would be able to afford the loan should the customer miss a repayment. As such we would request that you add a disclaimer and a check box to say that the guarantor consents to these checks otherwise we would not be able to accept a guarantor submission through these means and the customer would have to complete his/her application and enter contact details for their guarantor whom will be sent a marketing email from us asking them to provide their own details. The checks carried out on the guarantor are soft checks. 


 

Data Dictionary

Table 1: Information regarding data to be posted.

Variable Name

Formatting Rules

Description

Example

Required/

ApiKey

N/A

API username provided by us

user1234

Required

ApiPassword

N/A

API password provided by us

pass4321

Required

LoanAmount

See Product List

Amount of the loan requested

1000

Required

LoanDuration

See Product List

Duration of the loan requested

12

Required

LoanPurpose

Debt Consolidation, Holiday, Home Improvmement, New Car, Wedding, Other

What is the purpose the loan will be taken out for

Debt Consolidation

Required

ApplicantTitle

Mr, Mrs, Miss, Ms, Dr

How should we address letters and emails

Mr

Required

ApplicantForename

N/A

Applicant Forename

Joe

Required

ApplicantSurname

N/A

Applicant Surname

Bloggs

Required

ApplicantDateOfBirth

DD/MM/YYYY

Applicant Date of birth 

01/01/2000

Required

ApplicantEmploymentStatus

Full-Time, Part-Time, Retired, Self-Employed, Unemployed

Applicants current employment situation

Full-Time

Required

ApplicantHomePhone

N/A

Applicant home phone (Mobile if they don't have landline, we'll sort it) 

020 7946 0911

Required

ApplicantMobilePhone

N/A

Applicant mobile phone

077 7777 7777

Optional

ApplicantEmail

Email

Applicant primary email address

test@example.com

Required

ApplicantAddressLine1

N/A

1st line of applicant’s current address

18 High Street

Required

ApplicantAddressLine2

N/A

2nd line of applicant’s current address

N/A

Optional

ApplicantAddressLine3

N/A

3rd line of applicant’s current address

N/A

Optional

ApplicantTown

N/A

Town of applicant’s current address

Westbury

Required

ApplicantCounty

N/A

County of applicant’s current address

N/A

Required

ApplicantPostcode

No spaces

Postcode of applicant’s current address

BA133BN

Required

ApplicantSignature

N/A

Applicant’s forename and surname concatenated

Joe Bloggs

Required

MarketingMethod

Newspaper, Online - Google, Online - Yahoo, Online - Bing, Online - Website Ad, Magazine, Poster, TV, Radio, Recommendation, Other

How the applicant found out about your services

Other

Required

AffiliateReference

string (64)

Reference number for the application being sent in your systems

123456

Optional

ApplicantYearsAtAddress1

Int

The year part of how long the applicant lived at their current address

12

Optional / Required with previous address

ApplicantMonthsAtAddress1

Int

The month part of how long the applicant lived at their current address

3

Optional / Required with previous address

ApplicantAddress2Line1

N/A

1st line of applicant’s previous address

N/A

Optional / Required with previous address

ApplicantAddress2Line2

N/A

2nd line of applicant’s previous address

N/A

Optional

ApplicantAddress2Line3

N/A

3rd line of applicant’s previous address

N/A

Optional

ApplicantTown2

N/A

Town of applicant’s previous address

N/A

Optional / Required with previous address

ApplicantCounty2

N/A

County of applicant’s previous address

N/A

Optional

ApplicantPostcode2

N/A

Postcode of applicant’s previous address

N/A

Optional / Required with previous address

ApplicantYearsAtAddress2

Int

The year part of how long the applicant lived at their previous address

4

Optional

ApplicantMonthsAtAddress2

Int

The month part of how long the applicant lived at their previous address

11

Optional

ApplicantOpenBanking

N/A

Access token or raw data for applicant open banking**

N/A

Optional

GuarantorForename

N/A

N/A

Joe

Required**

GuarantorSurname

N/A

N/A

Bloggs

Required**

GuarantorTitle

Mr, Mrs, Miss, Ms, Dr

N/A

Mr

Required**

GuarantorDateOfBirth

DD/MM/YYYY

N/A

18264

Required**

GuarantorEmploymentStatus

Full-Time, Part-Time, Retired, Self-Employed, Unemployed

N/A

Full-Time

Required**

GuarantorResidentialStatus

home owner

Guarantor’s residential status

home owner

Optional

GuarantorHomePhone

N/A

N/A

020 7946 0911

Required**

GuarantorMobilePhone

N/A

N/A

7777777777

Optional

GuarantorEmail

Email

N/A

test@example.com

Required**

GuarantorAddressLine1

N/A

1st line of guarantor’s current address

18 High Street

Required**

GuarantorAddressLine2

N/A

2nd line of guarantor’s current address

N/A

Optional

GuarantorAddressLine3

N/A

3rd line of guarantor’s current address

N/A

Optional

GuarantorTown

N/A

Town of guarantor’s current address

Westbury

Required**

GuarantorCounty

N/A

County of guarantor’s current address

N/A

Required**

GuarantorPostcode

No spaces

Postcode of guarantor’s current address

BA133BN

Required**

GuarantorSignature

N/A

Guarantor’s forename and surname concatenated

Joe Bloggs

Required**

GuarantorYearsAtAddress1

Int

The year part of how long the guarantor lived at their current address

12

Optional / Required** with previous address

GuarantorMonthsAtAddress1

Int

The month part of how long the guarantor lived at their current address

3

Optional / Required** with previous address

GuarantorAddress2Line1

N/A

1st line of guarantor’s previous address

N/A

Optional / Required** with previous address

GuarantorAddress2Line2

N/A

2nd line of guarantor’s previous address

N/A

Optional

GuarantorAddress2Line3

N/A

3rd line of guarantor’s previous address

N/A

Optional

GuarantorTown2

N/A

Town of guarantor’s previous address

N/A

Optional / Required** with previous address

GuarantorCounty2

N/A

County of guarantor’s previous address

N/A

Optional

GuarantorPostcode2

N/A

Postcode of guarantor’s previous address

N/A

Optional / Required** with previous address

GuarantorYearsAtAddress2

Int

The year part of how long the guarantor lived at their previous address

4

Optional

GuarantorMonthsAtAddress2

Int

The month part of how long the guarantor lived at their previous address

11

Optional

GuarantorCheckPermission

Bool

Has the guarantor given permission for credit reference agency checks

True/False

Required**

GuarantorOpenBanking

N/A

Access token or raw data for guarantor open banking**

N/A

Optional

 

Required*: Optional by default variable. Mandatory if GuarantorForename or GuarantorSurname variable are provided

 

Open banking**: If you perform open banking checks during your customer journey and wish to supply an access token or raw data in support of an application, this can be configured by contacting us at support@1plus1loans.co.uk  

 

Figure 1: Model application

N.B – You will likely need to change the ApplicantForename and ApplicantSurname in the following example.

ApiKey=TEST&ApiPassword=TEST&LoanAmount=1000&LoanDuration=12&LoanPurpose=TEST&ApplicantTitle=Mr&ApplicantForename=Joe&ApplicantSurname=Bloggs&ApplicantDateOfBirth=01/01/1950&ApplicantEmploymentStatus=Full-Time&ApplicantHomePhone=01234567891&ApplicantMobilePhone=07123456789&ApplicantEmail=test@test.com&ApplicantAddressLine1=TEST&ApplicantAddressLine2=TEST&ApplicantAddressLine3=TEST&ApplicantTown=TEST&ApplicantCounty=TEST&ApplicantPostcode=TEST&ApplicantSignature=Joe Bloggs&MarketingMethod=Magazine&AffiliateReference=123456&ApplicantYearsAtAddress1=12&ApplicantMonthsAtAddress1=5&ApplicantAddress2Line1=TEST&ApplicantAddress2Line2=TEST&ApplicantAddress2Line3=TEST&ApplicantTown2=TEST&ApplicantCounty2=TEST&ApplicantPostcode2=TEST
 

 

Figure 2: Model application with Guarantor

N.B – You will likely need to change the ApplicantForename and ApplicantSurname along with GuarantorForename and GuarantorSurname in the following example.

ApiKey=TEST&ApiPassword=TEST&LoanAmount=1000&LoanDuration=12&LoanPurpose=TEST&ApplicantTitle=Mr&ApplicantForename=Joe&ApplicantSurname=Bloggs&ApplicantDateOfBirth=01/01/1950&ApplicantEmploymentStatus=Full-Time&ApplicantHomePhone=01234567891&ApplicantMobilePhone=07123456789&ApplicantEmail=test@test.com&ApplicantAddressLine1=TEST&ApplicantAddressLine2=TEST&ApplicantAddressLine3=TEST&ApplicantTown=TEST&ApplicantCounty=TEST&ApplicantPostcode=TEST&ApplicantSignature=Joe Bloggs&MarketingMethod=Magazine&AffiliateReference=123456&ApplicantYearsAtAddress1=12&ApplicantMonthsAtAddress1=5&ApplicantAddress2Line1=TEST&ApplicantAddress2Line2=TEST&ApplicantAddress2Line3=TEST&ApplicantTown2=TEST&ApplicantCounty2=TEST&ApplicantPostcode2=TEST&GuarantorForename=James&GuarantorSurname=Smith&GuarantorTitle=Mr&GuarantorDateOfBirth=01/01/1960&GuarantorEmploymentStatus=TEST&GuarantorHomePhone=01234567891&GuarantorMobilePhone=07777777778&GuarantorEmail=test2@test.com&GuarantorAddressLine1=TEST&GuarantorAddressLine2=TEST&GuarantorAddressLine3=TEST&GuarantorTown=TEST&GuarantorCounty=TEST&GuarantorPostcode=TEST&GuarantorSignature=JamesSmith&GuarantorYearsAtAddress1=12&GuarantorMonthsAtAddress1=5&GuarantorAddress2Line1=TEST&GuarantorAddress2Line2=TEST&GuarantorAddress2Line3=TEST&GuarantorTown2=TEST&GuarantorCounty2=TEST&GuarantorPostcode2=TEST

Passing leads via json

{ "ApiKey": "TEST", "ApiPassword": "TEST", "LoanAmount": "1000", "LoanDuration": "36", "LoanPurpose": "TEST", "ApplicantTitle": "Mr", "ApplicantForename": "Joe9", "ApplicantSurname": "Bloggs26", "ApplicantDateOfBirth": "01/01/1960", "ApplicantEmploymentStatus": "TEST", "ApplicantHomePhone": "01234567891", "ApplicantMobilePhone": "07777777777", "ApplicantEmail": "support@1plus1loans.co.uk", "ApplicantAddressLine1": "TEST", "ApplicantAddressLine2": "TEST", "ApplicantAddressLine3": "TEST", "ApplicantTown": "TEST", "ApplicantCounty": "TEST", "ApplicantPostcode": "TEST", "ApplicantSignature": "Joe Bloggs", "MarketingMethod": "Magazine", "AffiliateReference": "123456", "ApplicantYearsAtAddress1": "12", "ApplicantMonthsAtAddress1": "5", "ApplicantAddress2Line1": "TEST2", "ApplicantAddress2Line2": "TEST2", "ApplicantAddress2Line3": "TEST", "ApplicantTown2": "TEST2", "ApplicantCounty2": "TEST2", "ApplicantPostcode2": "TEST2" }

Note, dates submitted via Json should be in the format dd/MM/yyyy

 

Server Response

The response received from the server after posting an application is a string and the structure of a response is always the same. In every case, three variables are returned along with their accompanying values; these variables are listed along with their descriptions in Table 2 below:

Table 2: Response message variables and descriptions

Variable Name

Description

StatusCode

Describes the type of message returned.

 

Message

Provides any additional information related to the response.

Reference

Returns a UUID if the application has been posted successfully or a sequence of 0’s if there has been some error.

Apr

Returns the Apr of the proposed loan as a decimal fixed to 2 decimal places.

MonthlyRepayment

The monthly repayment that would be due for the proposed loan as a decimal fixed to 2 decimal places

TotalRepayment

The total repayment that would be due for the loan (Total interest + Capital) assuming the full duration of the loan and no early repayment is made. Decimal (2 decimal places)

LoanDuration

The length of the proposed loan (integer)

LoanAmount

The proposed lending amount (integer). This can be changed before signing on our website

FixedRate

The fixed rate percentage used to calculate estimated interest due. Calculated as: amount * (1 + ((annualRate / 1200) * duration)) (decimal, fixed 2)

FinanceCharge

The total interest due assuming full term of the loan. This may be reduced due to partial and full settlements. (decimal, fixed 2)

 

The information contained within these variables is dependent upon a number of factors, therefore a number of responses may be returned.  A list of these server responses and their accompanying descriptions can be found in Table 3 below:

Table 3: Status codes and descriptions

Status Code

Description

AUTHENTICATION

There is a problem with the api key/password being used in the request.  Either they are invalid or disabled.

BLACKLIST

The application has failed validation on the blacklist.

FORMAT

The application sent over is not valid.  A field may be missing, or the encoding may be incorrect.  Please see the accompanying message variable for further information.

SUCCESS

The application has been accepted by the server.

SYSTEM

A system error has occurred.  Please attempt to resubmit the application.

VALIDATION

The application submitted has failed validation.  Please see the accompanying message variable for further information.

CUSTOMERACCEPTEDGUARANTORFAILED

The Guarantor has failed check, but customer has been accepted by the server

UPDATE_SUCCESS

A previously submitted application was updated successfully. Updates may only occur if the customer has not already signed contracts. Updatable fields are: AffiliateReference, LoanAmount, LoanDuration

 

Please note that responses from the server are UTF-8 encoded so in some programming languages (such as PHP) it may be necessary to decode the server response.  This is usually quite an easy operation to perform so please consult the documentation for the programming language you are using should this issue arise.

For your information, figure 2 below illustrates a decoded example server response:
 

Figure 3: Example Server Response

StatusCode=VALIDATION&Message=Applicant already has an existing enquiry&Reference=00000000-0000-0000-0000-000000000000

Re-direct URL for your customers to sign contract from your Website using the “Server Response GUID”.

When you submit a lead via XML you will receive an accepted GUID.

Figure 4: Example Accepted Server Response

=== Status Code ===
SUCCESS
=== GUID ===
  e000000f-e600a-00bc-0000-a0c0000000b0

 

Add this URL (without the speech marks) “https://www.1plus1loans.co.uk/confirm-details-form/?id=” in front of the GUID you get and that takes your customer straight to the contract details page on our site for them to read and sign. This can help increase conversions. Text messages and emails are still sent form our server.

 

If you have provided a guarantor and they have been accepted, the confirm details page will allow them to read and sign their part of the contract. The URL for this is (without speech marks) “https://www.1plus1loans.co.uk/guarantor-confirm-details-form/?id=” where the same GUID should be appended after. 

 

Figure 5: Example URL Re-Direct

Customer

https://www.1plus1loans.co.uk/confirm-details-form/?id=e000000f-e600a-00bc-0000-a0c0000000b0

Guarantor (same Guid, only difference is guarantor-confirm-details-form)

https://www.1plus1loans.co.uk/guarantor-confirm-details-form/?id=e000000f-e600a-00bc-0000-a0c0000000b0

 

Click ID and separate tracking for Web Links Only

If you have multiple sites running under the one banner, you can assign multiple clickIDs for your conversion tracking for separate sites.

Simply alter the URL to suit.

Figure 6: Example tracking URL to home page

https://www.1plus1loans.co.uk/?a=YOURTRACKINGCODE

Figure 7: Example tracking URL to Apply page

https://www.1plus1loans.co.uk/apply/?a=YOURTRACKINGCODE

Figure 8: Example tracking URL with ClickId

https://www.1plus1loans.co.uk/apply/?a=YOURTRACKINGCODE&s=OTHERSITENAME&clickid=12345

Figure 3 can be used to point to either our Application or Home page. To send your customers to our homepage just remove the /apply in the URL.

Affiliate Portal

You can view the leads you have passed and find out whether they have been accepted by visiting the 1Plus1 Loans Affiliates Portal:

https://affiliates.1plus1loans.co.uk

The portal will also show you leads that have converted and will be due commission which you can use to track sales. Please contact your affiliate manager if you have not received login details to access the portal when switching to the live API.

 

image

Figure 1 - Graph view of lead performance including commision earned for date range queried

 

A more detailed grid containing a breakdown of current status of your leads is also shown below which may be exported as a CSV.


 

Application Status and updates

Once an application has been accepted and you have been returned a Guid, you may wish to get a live update on the status of this application. 

For this purpose, we have the following endpoint: 

https://uatwebservices.1plus1loans.co.uk/Affiliate/GetEnquiryUpdate.ashx (Testing)

https://webservices.1plus1loans.co.uk/Affiliate/GetEnquiryUpdate.ashx (Live)

By posting JSON into this endpoint with your credentials and the Guid, Loan Reference code or your External Reference Code, you will receive a response that will give an update on the status of the application. 

 

Table 4: Enquiry update request object 

Variable Name

Variable Type

Max Length

Example

 

Description

AuthUser

String

20


 

Your API access code

AuthPassword

String

255


 

Your API password

ReferenceCode*

String

8

A1B2C3D4

 

The 8 digit loan code we assign

ExternalReferenceCode*

String

25

Affiliate123456

 

The reference/tracking code you submit

GuidCode*

Guid

N/A

e000000f-e600a-00bc-0000-a0c0000000b0

 

The response Guid used to redirect to our website

 

*  Only one of these are required to perform an update request

 

 

Table 5: Enquiry update response object

Variable Name

Variable Type

Max Length

Example

Description

Error

String

255

null | Invalid 

Any information for the cause of an error (if there is one) will be returned here

Success

Bool

5

True/False

If this bool returns false there has been an error with your request or the application cannot be found

ResponseTime

String

8

A1B2C3D4

The 8 digit loan code we assign

Enquiry

Object

N/A

[obj]

Enquiry object passed on a successful request. Returns null if not found/invalid request

 

 
Table 6: Enquiry Object:

Variable Name

Variable Type

Max Length

Example

Description

SubmissionDate

DateTime

N/A

07/07/2020 09:00:00:000

Any information for the cause of an error (if there is one) will be returned here

LastUpdated

DateTime

N/A

07/07/2020 11:00:00:000

If this bool returns false there has been an error with your request or the application cannot be found

ReferenceCode

String

8

A1B2C3D4

The 8 character unique loan code we assign to our loans

GuidCode

Guid

N/A

e000000f-e600a-00bc-0000-a0c0000000b0

The Guid code returned from a successful API Register Enquiry call

ExternalReferenceCode

String

25

Affiliate123456

Your optional external reference code passed during the API Register Enquiry call

CustomerSigned

Bool

5

True/False

has the customer signed documents

GuarantorSigned

Bool

5

True/False

has the guarantor signed documents

Status

String

255

"Waiting for Guarantor to be provided"

a description of the current status of the enquiry/loan and it's next steps







 

Figure 9: Enquiry update Json Request example

POST : URI https://webservices.1plus1loans.co.uk/Affiliate/GetEnquiryUpdate.ashx

Content type: application/json

{"AuthUser":"EXAMPLE1234", "AuthPassword":"PASSWORD4321", "ReferenceCode":null, "ExternalReferenceCode":null, "GuidCode":"CC3577A2-2D05-413A-88EC-3C11FE679908"}

 

Figure 10: Enquiry update Json Response example

{ "Error": null, "Success": "True", "ResponseTime": "08/07/2020 09:30:00:000",  "Enquiry" : {    "SubmissionDate": "07/07/2020 09:00:00:000",     "LastUpdated": "08/07/2020 09:00:00:000",    "ReferenceCode": "A1B2C3D4",     "GuidCode": "{e000000f-e600a-00bc-0000-a0c0000000b0}",    "ExternalReferenceCode": "Affiliate123456",    "CustomerSigned": "True",     "GuarantorSigned": True",    "Status": "Waiting for cards"  }}

 

Webhooks 

Upon completion of key events we can now submit webhook notifications to an endpoint of your choosing.  These events are as follows: 

Customer Landed – When the customer first reaches the apply form

Customer Signed – When the customer completes our apply form

Guarantor Landed – When a supplied guarantor first lands on the apply form

Guarantor Signed – When a supplied guarantor completes the apply form

Guarantor Accepted – When a supplied guarantor is accepted (passed credit checks, may still be rejected if deemed unaffordable)

Guarantor Rejected – When a guarantor is found unsuitable and rejected 

Customer Rejected – When a customer is found unsuitable and rejected

Completed – When a loan passes underwriting and is paid out

Cancelled – When a previously paid out loan cancels and has refunded the loan

 

 

Table 7: Data submitted to webhook URI

 

Variable Name

Type

Description

Example

leadRef

string (64)

The AffiliateReference passed by you to track an application

Affiliate123456

status

string (50)

A description of the event type. These will be the event name (without spaces) by default however custom status' can be set up by contacting us

CustomerLanded

amount

int

The loan amount (this may be altered either by the customer or for affordability reasons)

3000

declineReason

string(255)

The reason for the customer or guarantor being declined 

Failed Credit Check - Score below minimum

 

This data will be submitted to your endpoint in JSON format, for example: 

 

{"leadRef":" Affiliate123456", "status":"CustomerLanded", "amount":3000, "declineReason":null}

If you are interested in having webhooks configured to get live updates on your leads, contact us at support@1plus1loans.co.uk 


 

Product List

£1000 to £10000 in £250 increments

Loan Amount

Duration Months

12

18

24

30

36

42

48

54

60

1000

 

 

 

 

1250

 

 

 

 

1500

 

 

 

 

1750

 

 

 

 

2000

 

 

2250

 

 

2500

2750

3000

3250

3500

3750

4000

4250

4500

4750

5000

5250

5500

5750

6000

6250

6500

6750

7000

7250

7500

7750

8000

8250

8500

8750

9000

9250

9500

9750

10000

 

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