# Credit Counselors

> Advise and educate individuals or organizations on acquiring and managing debt. May provide guidance in determining the best type of loan and explain loan requirements or restrictions. May help develop debt management plans or student financial aid packages. May advise on credit issues, or provide budget, mortgage, bankruptcy, or student financial aid counseling.
- **Entity Type:** role
- **Schema Version:** role.v1
- **Soc Code:** 13-2071.00
- **Summary:** Advise and educate individuals or organizations on acquiring and managing debt. May provide guidance in determining the best type of loan and explain loan requirements or restrictions. May help develop debt management plans or student financial aid packages. May advise on credit issues, or provide budget, mortgage, bankruptcy, or student financial aid counseling.

## Aliases

- Certified Consumer Credit and Housing Counselor
- Certified Credit Counselor
- Credit Counselor
- Housing Counselor
- Accredited Financial Counselor
- Certified Credit Consultant
- Certified Credit and Housing Counselor
- Financial Health Counselor
- Personal Finance Counselor
- Branch Credit Counselor
- Consumer Credit Counselor
- Consumer Lending Manager

## Tasks

| Text | Type | Iwa |
| --- | --- | --- |
| Calculate clients' available monthly income to meet debt obligations. | Core | 4.A.1.b.3.c |
| Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies. | Core | 4.A.4.a.1.b |
| Create debt management plans, spending plans, or budgets to assist clients to meet financial goals. | Core | 4.A.2.b.2.h |
| Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information. | Core | 4.A.2.a.1.i |
| Prioritize client debt repayment to avoid dire consequences, such as bankruptcy or foreclosure or to reduce overall costs, such as by paying high-interest or short-term loans first. | Core | 4.A.2.b.2.h |
| Recommend strategies for clients to meet their financial goals, such as borrowing money through loans or loan programs, declaring bankruptcy, making budget adjustments, or enrolling in debt management plans. | Core | 4.A.4.b.6.k |
| Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions. | Core | 4.A.4.a.1.d |
| Disburse funds from client accounts to creditors. | Supplemental | 4.A.4.c.1.c |
| Interview clients by telephone or in person to gather financial information. | Core | 4.A.1.a.1.w |
| Estimate time for debt repayment, given amount of debt, interest rates, and available funds. | Core | 4.A.1.b.3.c |
| Prepare written documents to establish contracts with or communicate financial recommendations to clients. | Core | 4.A.3.b.6.m |
| Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries. | Core | 4.A.3.b.6.a |

## Emerging Tasks


## Activities

| Name | Iwa |
| --- | --- |
| Correspond with customers to answer questions or resolve complaints. | 4.A.4.a.8.c |
| Advise others on financial matters. | 4.A.4.b.6.k |
| Assess financial status of clients. | 4.A.2.a.1.i |
| Compute debt repayment schedules. | 4.A.1.b.3.c |
| Develop financial plans for clients. | 4.A.2.b.2.h |
| Explain regulations, policies, or procedures. | 4.A.4.a.1.b |
| Interview clients to gather financial information. | 4.A.1.a.1.w |
| Prepare financial documents. | 4.A.3.b.6.a |
| Negotiate agreements to resolve disputes. | 4.A.4.a.7.b |
| Prepare contracts or other transaction documents. | 4.A.3.b.6.m |
| Educate clients on financial planning topics. | 4.A.4.a.1.d |
| Recommend investments to clients. | 4.A.4.b.6.k |
| Refer clients to community or social service programs. | 4.A.4.a.5.a |
| Disburse funds from clients accounts to creditors. | 4.A.4.c.1.c |
| Interpret financial information for others. | 4.A.4.a.1.d |
| Examine financial records. | 4.A.2.a.3.c |

## Capabilities

| Name | Family | Value |
| --- | --- | --- |
| Customer and Personal Service | knowledge | 4.64 |
| Oral Expression | ability | 4.12 |
| English Language | knowledge | 4.08 |
| Speaking | essential_skill | 4 |
| Oral Comprehension | ability | 4 |
| Reading Comprehension | essential_skill | 3.88 |
| Active Listening | essential_skill | 3.88 |
| Written Comprehension | ability | 3.88 |
| Writing | essential_skill | 3.75 |
| Critical Thinking | essential_skill | 3.75 |
| Written Expression | ability | 3.75 |
| Problem Sensitivity | ability | 3.75 |
| Deductive Reasoning | ability | 3.75 |
| Inductive Reasoning | ability | 3.75 |
| Mathematics | knowledge | 3.64 |
| Active Learning | essential_skill | 3.62 |
| Service Orientation | transferable_skill | 3.62 |
| Complex Problem Solving | transferable_skill | 3.5 |
| Judgment and Decision Making | transferable_skill | 3.5 |
| Administrative | knowledge | 3.48 |
| Education and Training | knowledge | 3.44 |
| Persuasion | transferable_skill | 3.38 |
| Economics and Accounting | knowledge | 3.28 |
| Negotiation | transferable_skill | 3.25 |
| Information Ordering | ability | 3.25 |
| Near Vision | ability | 3.25 |
| Speech Recognition | ability | 3.25 |
| Speech Clarity | ability | 3.25 |
| Mathematics | essential_skill | 3.12 |
| Learning Strategies | essential_skill | 3.12 |
| Social Perceptiveness | transferable_skill | 3.12 |
| Coordination | transferable_skill | 3.12 |
| Time Management | transferable_skill | 3.12 |
| Fluency of Ideas | ability | 3.12 |
| Mathematical Reasoning | ability | 3.12 |
| Number Facility | ability | 3.12 |
| Monitoring | essential_skill | 3 |
| Systems Evaluation | transferable_skill | 3 |
| Psychology | knowledge | 3 |
| Selective Attention | ability | 3 |

## Skills

| Name | Type |
| --- | --- |
| English Language | Common Skill |
| Reading Comprehension | Common Skill |
| Active Listening | Common Skill |
| Writing | Common Skill |
| Inductive Reasoning | Common Skill |
| Deductive Reasoning | Common Skill |
| Critical Thinking | Common Skill |
| Mathematics | Common Skill |
| Active Learning | Common Skill |
| Microsoft Word | Common Skill |
| Microsoft PowerPoint | Common Skill |
| Microsoft Outlook | Common Skill |
| Microsoft Excel | Common Skill |
| Complex Problem Solving | Common Skill |
| Speech Recognition | Specialized Skill |
| Negotiation | Common Skill |
| Information Ordering | Specialized Skill |
| Time Management | Common Skill |
| Social Perceptiveness | Common Skill |
| Learning Strategies | Specialized Skill |
| Psychology | Specialized Skill |
| Microsoft Access | Specialized Skill |
| Systems Analysis | Specialized Skill |
| Instructing | Specialized Skill |
| Telecommunications | Specialized Skill |
| Visualization | Specialized Skill |
| Microsoft Dynamics | Specialized Skill |
| LexisNexis | Specialized Skill |
| Finger Dexterity | Common Skill |
| Email Software | Specialized Skill |
| Foreign Language | Common Skill |
| Geography | Specialized Skill |
| Physics | Specialized Skill |
| Presentation Software | Specialized Skill |
| Installation | Specialized Skill |
| Financial Analysis Software | Specialized Skill |
| Equipment Selection | Specialized Skill |
| Equipment Maintenance | Specialized Skill |
| Depth Perception | Common Skill |
| Chemistry | Specialized Skill |

## Tools

| Example | Category | Hot | In Demand |
| --- | --- | --- | --- |
| Microsoft Excel | Spreadsheet software | yes | yes |
| Microsoft Office software | Office suite software | yes | yes |
| Microsoft Outlook | Electronic mail software | yes | yes |
| Microsoft PowerPoint | Presentation software | yes | yes |
| Microsoft Word | Word processing software | yes | yes |
| Microsoft Access | Data base user interface and query software | yes | no |
| Oracle PeopleSoft | Enterprise resource planning ERP software | yes | no |
| SAP software | Enterprise resource planning ERP software | yes | no |
| Chat software | Network conferencing software | no | no |
| Cooperative Processing Resources DMS Professional Suite | Financial analysis software | no | no |
| CoreLogic DebtorTrace | Data base user interface and query software | no | no |
| Email software | Electronic mail software | no | no |
| Freddie Mac Loan Prospector | Financial analysis software | no | no |
| ICCO CreditSoft | Financial analysis software | no | no |
| Integrant DebtLogic | Financial analysis software | no | no |
| LexisNexis | Information retrieval or search software | no | no |
| LexisNexis Accurint | Data base user interface and query software | no | no |
| Merlin Information Services databases | Data base user interface and query software | no | no |
| Microsoft Dynamics | Enterprise resource planning ERP software | no | no |
| Paragon Financial Services Paragon Financial System | Financial analysis software | no | no |
| Prime Debt Soft Debt Settlement | Financial analysis software | no | no |
| Prime Debt Software Credit Repair | Financial analysis software | no | no |
| Web browser software | Internet browser software | no | no |

## Work Context

| Name | Value |
| --- | --- |
| E-Mail | 4.84 |
| Telephone Conversations | 4.76 |
| Spend Time Sitting | 4.64 |
| Contact With Others | 4.48 |
| Frequency of Decision Making | 4.44 |
| Indoors, Environmentally Controlled | 4.33 |
| Importance of Being Exact or Accurate | 4.32 |
| Freedom to Make Decisions | 4.24 |
| Written Letters and Memos | 4.17 |
| Impact of Decisions on Co-workers or Company Results | 4.08 |
| Importance of Repeating Same Tasks | 4.08 |
| Determine Tasks, Priorities and Goals | 4.04 |
| Face-to-Face Discussions with Individuals and Within Teams | 3.96 |
| Time Pressure | 3.84 |
| Work With or Contribute to a Work Group or Team | 3.76 |
| Spend Time Using Your Hands to Handle, Control, or Feel Objects, Tools, or Controls | 3.64 |
| Deal With External Customers or the Public in General | 3.58 |
| Dealing With Unpleasant, Angry, or Discourteous People | 3.52 |
| Spend Time Making Repetitive Motions | 3.43 |
| Degree of Automation | 3 |
| Coordinate or Lead Others in Accomplishing Work Activities | 2.88 |
| Level of Competition | 2.88 |
| Conflict Situations | 2.71 |
| Public Speaking | 2.6 |
| Physical Proximity | 2.48 |
| Consequence of Error | 2.44 |
| Exposed to Sounds, Noise Levels that are Distracting or Uncomfortable | 2 |
| Work Outcomes and Results of Other Workers | 1.96 |
| Spend Time Standing | 1.8 |
| Health and Safety of Other Workers | 1.46 |
| Spend Time Walking or Running | 1.46 |
| Spend Time Bending or Twisting Your Body | 1.44 |
| Dealing with Violent or Physically Aggressive People | 1.36 |
| Outdoors, Exposed to All Weather Conditions | 1.36 |
| In an Enclosed Vehicle or Operate Enclosed Equipment | 1.36 |
| Pace Determined by Speed of Equipment | 1.29 |
| Exposed to Disease or Infections | 1.25 |
| Outdoors, Under Cover | 1.24 |
| Indoors, Not Environmentally Controlled | 1.21 |
| Exposed to Contaminants | 1.2 |

## Preparation

- **Job Zone:** 4
- **Job Zone Name:** Job Zone Four: Considerable Preparation Needed
- **Education:** Most of these occupations require a four-year bachelor's degree, but some do not.
- **Experience:** A considerable amount of work-related skill, knowledge, or experience is needed for these occupations. For example, an accountant must complete four years of college and work for several years in accounting to be considered qualified.
- **Svp Range:** (7.0 to < 8.0)

### Education Distribution

| Label | Percentage |
| --- | --- |
| Bachelor's Degree | 40 |
| High School Diploma | 36 |
| Post-Secondary Certificate | 12 |
| Some College Courses | 8 |
| Associate's Degree (or other 2-year degree) | 4 |

## Person Fit

| Name | Family | Value |
| --- | --- | --- |
| Dependability | work_style | 9 |
| Attention to Detail | work_style | 8 |
| Integrity | work_style | 7 |
| Cautiousness | work_style | 6 |
| Professional Advising | specific_interest_area | 5.88 |
| Conventional | career_interest_type | 5.35 |
| Accounting | specific_interest_area | 5 |
| Cooperation | work_style | 5 |
| Office Work | specific_interest_area | 4.95 |
| Social | career_interest_type | 4.89 |
| Enterprising | career_interest_type | 4.73 |
| Finance | specific_interest_area | 4.53 |
| Social Service | specific_interest_area | 4.27 |
| Social Orientation | work_style | 4 |
| Personal Service | specific_interest_area | 3.8 |
| Teaching/Education | specific_interest_area | 3.38 |

## Related Roles

| Soc Code | Slug | Title | Tier |
| --- | --- | --- | --- |
| 13-2052.00 | role-13-2052-00 | Personal Financial Advisors | Primary-Short |
| 13-2072.00 | role-13-2072-00 | Loan Officers | Primary-Short |
| 43-4041.00 | role-43-4041-00 | Credit Authorizers, Checkers, and Clerks | Primary-Short |
| 13-2041.00 | role-13-2041-00 | Credit Analysts | Primary-Short |
| 43-4131.00 | role-43-4131-00 | Loan Interviewers and Clerks | Primary-Short |
| 13-2051.00 | role-13-2051-00 | Financial and Investment Analysts | Primary-Long |
| 41-3031.00 | role-41-3031-00 | Securities, Commodities, and Financial Services Sales Agents | Primary-Long |
| 43-4061.00 | role-43-4061-00 | Eligibility Interviewers, Government Programs | Primary-Long |
| 11-3031.00 | role-11-3031-00 | Financial Managers | Primary-Long |
| 43-3011.00 | role-43-3011-00 | Bill and Account Collectors | Primary-Long |
| 43-4141.00 | role-43-4141-00 | New Accounts Clerks | Supplemental |
| 21-1015.00 | role-21-1015-00 | Rehabilitation Counselors | Supplemental |

## Career Clusters

| Cluster | Slug |
| --- | --- |
| Financial Services | financial-services |

## Education Level

- **Category:** Bachelor's degree

## Study Programs

| Title | Slug |
| --- | --- |
| Business, Management, Marketing, and Related Support Services | business-management-marketing-and-related-support-services |

## Market

- **Median Wage:** 50480
- **Mean Wage:** 55890
- **Pct10Wage:** 38980
- **Pct25Wage:** 45420
- **Pct75Wage:** 61760
- **Pct90Wage:** 77920
- **Employment:** 28110
- **Area Title:** U.S.

## Industries


### Top

| Naics | Slug | Title | Level | Employment | Median Wage | Lq |
| --- | --- | --- | --- | --- | --- | --- |
| 61 | 61 | Educational Services | Sector | 13970 | 51860 | 5.62 |
| 62 | 62 | Health Care and Social Assistance | Sector | 3930 | 50370 | 0.93 |
| 52 | 52 | Finance and Insurance | Sector | 3920 | 49580 | 3.45 |
| 54 | 54 | Professional, Scientific, and Technical Services | Sector | 3480 | 48380 | 1.77 |
| 55 | 55 | Management of Companies and Enterprises | Sector | 1330 | 57700 | 2.6 |
| 81 | 81 | Other Services (except Public Administration) | Sector | 640 | 44500 | 0.79 |
| 56 | 56 | Administrative and Support and Waste Management and Remediation Services | Sector | 310 | 43560 | 0.19 |
| 44-45 | 44-45 | Retail Trade | Sector | 250 | 60000 | 0.09 |
| 23 | 23 | Construction | Sector | 50 | 50440 |  |
| 51 | 51 | Information | Sector | 30 | 46860 |  |

### Concentrated

| Naics | Slug | Title | Level | Employment | Lq |
| --- | --- | --- | --- | --- | --- |
| 61 | 61 | Educational Services | Sector | 13970 | 5.62 |
| 52 | 52 | Finance and Insurance | Sector | 3920 | 3.45 |
| 55 | 55 | Management of Companies and Enterprises | Sector | 1330 | 2.6 |
| 54 | 54 | Professional, Scientific, and Technical Services | Sector | 3480 | 1.77 |
| 62 | 62 | Health Care and Social Assistance | Sector | 3930 | 0.93 |
| 81 | 81 | Other Services (except Public Administration) | Sector | 640 | 0.79 |
| 56 | 56 | Administrative and Support and Waste Management and Remediation Services | Sector | 310 | 0.19 |
| 44-45 | 44-45 | Retail Trade | Sector | 250 | 0.09 |
- **Count:** 10

## Ai Signals

| Source | Label | Score | Scale | Release |
| --- | --- | --- | --- | --- |
| frey_osborne | Computerization probability | 0.04 | 0-1 probability | 2013-baseline-2016-employment-snapshot |
| felten_aioe | AI occupational exposure | 1.385381 | relative exposure score | 2021-plus-generative-ai-workbooks |
| felten_image_generation_aioe | Image generation occupational exposure | 0.9322733 | relative exposure score | 2021-plus-generative-ai-workbooks |
| felten_language_modeling_aioe | Language modeling occupational exposure | 1.355321 | relative exposure score | 2021-plus-generative-ai-workbooks |

## Ai Outlook


### Index

- **Value:** 90
- **Percentile:** 95
- **Band:** High
- **Version:** ai-exposure-index-v1

#### Components

| Percentile | Source |
| --- | --- |
| 95 | felten_aioe |
| 90 | openai_gpts_are_gpts |
| 86 | microsoft_working_with_ai |
- **Component Count:** 3

### Exposure

| Source | Label | Value | Percentile | Band | Note |
| --- | --- | --- | --- | --- | --- |
| felten_aioe | Overall AI exposure (Felten et al.) | 1.385381 | 95 | High | How much this job's abilities overlap with what AI systems can do, across many AI capabilities. A relative research score, not a forecast of job loss. |
| eloundou_gamma | LLM task exposure, γ (OpenAI / Eloundou) | 0.9772727272727273 | 90 | High | Share of this job's tasks where a large language model plus simple tools could cut the time to do them by at least half. γ is capped at 1.0 and many jobs reach that ceiling, so treat a top score as 'in the top group', not a precise rank. |
| microsoft_applicability | AI assistant applicability (Microsoft) | 0.28850171786366574 | 86 | High | How applicable today's AI assistants are to this job's activities, measured from real Microsoft Copilot conversations. Applicability is not the same as replacement. |

### Frey Historical

- **Source:** frey
- **Label:** Computerization probability (Frey & Osborne, 2013)
- **Value:** 0.04
- **Percentile:** 22
- **Band:** Low
- **Note:** A pre-LLM (2013) estimate of how automatable this job is by computerization and robotics. Shown for historical context only — it is not part of any current AI ranking.
- **Teleworkable:** yes

### Eloundou

- **Alpha:** 0.2727272727272727
- **Beta:** 0.625
- **Gamma:** 0.9772727272727273

### Usage Tasks

| Task | Usage Percent | Importance |
| --- | --- | --- |
| Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions. | 0.16053227284118501 | 4.64 |
| Recommend strategies for clients to meet their financial goals, such as borrowing money through loans or loan programs, declaring bankruptcy, making budget adjustments, or enrolling in debt management plans. | 0.09746969093172397 | 4.71 |
| Prepare written documents to establish contracts with or communicate financial recommendations to clients. | 0.05145660185120517 | 4.48 |
| Create debt management plans, spending plans, or budgets to assist clients to meet financial goals. | 0.026601317124674933 | 4.76 |
| Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed. | 0.0038001881606678474 | 4.04 |
- **Usage Release:** 2026-01-15-v4-plus-2025-03-27-v2

### Bls

- **Growth Percent:** 3.3
- **Growth Percentile:** 55
- **Direction:** About average
- **Annual Openings Thousands:** 2.2
- **Annual Openings Percentile:** 30
- **Employment2024Thousands:** 31.8
- **Employment2034Thousands:** 32.9

### Sources

| Source | Version |
| --- | --- |
| bls_employment_projections | 2024-2034 |
| dingel_neiman | dingel-neiman-workathome |
| felten_aioe | felten-raj-seamans-aioe |
| frey_osborne | frey-osborne-automation |
| microsoft_working_with_ai | working-with-ai |
| openai_gpts_are_gpts | gpts-are-gpts |

## Ai Playbook

- **Trusted Task Count:** 9
- **Task Count:** 11
- **Total Sample:** 2986
- **Autonomy Median:** 3
- **Dominant Collaboration:** learning
- **Automation Share:** 24.38
- **Augmentation Share:** 71.58
- **Work Use Percent:** 10.4

### Collaboration

| Label | Percent |
| --- | --- |
| learning | 40.8 |
| task iteration | 27.58 |
| directive | 21.42 |
| validation | 3.2 |
| feedback loop | 2.96 |

### Use Case

| Label | Percent |
| --- | --- |
| personal | 81.88 |
| work | 10.4 |
| coursework | 6.19 |

### Delegated Tasks

| Task | Usage Percent | Collaboration | Autonomy Median | Sample Count |
| --- | --- | --- | --- | --- |
| Recommend strategies for clients to meet their financial goals, such as borrowing money through loans or loan programs, declaring bankruptcy, making budget adjustments, or enrolling in debt management plans. | 0.07650956369546193 | task iteration | 4 | 765 |
| Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions. | 0.07460932616577072 | learning | 3 | 746 |
| Create debt management plans, spending plans, or budgets to assist clients to meet financial goals. | 0.053506688336042 | task iteration | 4 | 535 |
| Recommend educational materials or resources to clients on matters such as financial planning, budgeting, or credit. | 0.028303537942242777 | learning | 4 | 283 |
| Teach courses or seminars on topics such as budgeting, managing personal finances, or financial literacy. | 0.020002500312539067 | directive | 4 | 200 |
| Explain services or policies to clients, such as debt management program rules, the advantages and disadvantages of using services, or creditor concession policies. | 0.018702337792224025 | learning | 3 | 187 |
| Estimate time for debt repayment given amount of debt, interest rates, and available funds. | 0.009101137642205276 | directive | 3 | 91 |
| Prepare written documents to establish contracts with or communicate financial recommendations to clients. | 0.0071008876109513695 | task iteration | 3 | 71 |

### Boundary Tasks

| Task | Human Needed Percent | Sample Count |
| --- | --- | --- |
| Explain services or policies to clients, such as debt management program rules, the advantages and disadvantages of using services, or creditor concession policies. | 99.46524064171123 | 187 |
| Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions. | 99.32975871313673 | 746 |
| Recommend educational materials or resources to clients on matters such as financial planning, budgeting, or credit. | 98.93992932862191 | 283 |
| Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed. | 98.4126984126984 | 63 |
| Prepare written documents to establish contracts with or communicate financial recommendations to clients. | 97.1830985915493 | 71 |
| Estimate time for debt repayment given amount of debt, interest rates, and available funds. | 95.6043956043956 | 91 |

### Seed Prompts

| Prompt | Collaboration |
| --- | --- |
| Let's work through this together, step by step: recommend strategies for clients to meet their financial goals, such as borrowing money through loans or loan programs, declaring bankruptcy, making budget adjustments, or enrolling in debt management plans. I'll give feedback as we go. | task iteration |
| Teach me how to explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions, then check my work as I try it myself. | learning |
| Let's work through this together, step by step: create debt management plans, spending plans, or budgets to assist clients to meet financial goals. I'll give feedback as we go. | task iteration |
| Teach me how to recommend educational materials or resources to clients on matters such as financial planning, budgeting, or credit, then check my work as I try it myself. | learning |
| Do this for me: teach courses or seminars on topics such as budgeting, managing personal finances, or financial literacy. Give me a finished draft I can review and adjust. | directive |
- **Release:** 2026-01-15-v4-plus-2025-03-27-v2

## Counts

- **Tasks:** 23
- **Skills:** 41
- **Capabilities:** 120
- **Tools:** 23
- **Related Roles:** 20

## Source

- **Dataset:** gold.onet_role_starter_surface
- **Version:** 30.3
- **Generated At:** 2026-06-02T21:00:32.945303+00:00
- **Content Hash:** 1850f2fb088ef63b