FIND THE EXPLANATION

Which place’s debt rules apply—and who can help?

Use the notice, agreement, and places connected to the debt to find the right court, regulator, or legal-help service.

This address preserves a dated source document behind the guide. The complete explanation covers the questions, comparisons and next steps for this subject.

If you came here to check a specific citation, open the original archive below. It includes its source dates and recorded qualifications.

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About this archive

The explanation above is written for readers. These original working documents preserve the evidence trail, including technical language, dated passages and known corrections. They have not all received independent professional review. Use the marked limits before relying on a particular rule or figure.

DETAILED RESEARCH · EVIDENCE & LIMITS INCLUDED

Bounded P04 claim-link and source-pinpoint repair

S_IA · pass-09Captured 2026-10-274 tables · 1 claim records · 3 source recordsScoped coordinator review completed

Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.

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SettleADebt — S_IA PASS-09

Bounded P04 claim-link and source-pinpoint repair

Fresh access: October 27, 2026, Pacific Daylight Time and UTC. The session clock was observed at 10:25:28 PDT / 17:25:28 UTC; that is not an individual source-fetch timestamp.

Correction: Add S_IA-P4-C026, link P04 §3.3 and the existing “Chapter 533C bank reconciliations” coverage row to it, and correct the specified source locators. S_IA-P4-C017 remains unchanged as the transmission-licensing gateway claim. Original P04 read history, source identities, other claims, and examples are not rewritten.

1. One added atomic records claim

Claim ID	Precise assertion	Source and exact pinpoint	Predicates, qualifications, and confidence
S_IA-P4-C026	A Chapter 533C licensee must retain chapter-compliance records, in any form, for at least three years. Required records include a general ledger posted at least monthly, covering asset, liability, capital, income, and expense accounts, plus bank statements and bank-reconciliation records. Monthly posting qualifies the general ledger; the provision does not prescribe a bank-reconciliation cadence. Records may be maintained outside Iowa if accessible to the superintendent on seven business days’ notice sent by the superintendent in a record. Required records are open to the superintendent’s inspection pursuant to §533C.203. The remaining record categories in §533C.606(1) also remain applicable.	S_IA-P4-S004, §533C.606(1), particularly (b)–(c), and (2)–(3): printed p.18 / zero-based PDF index17; operative extracted lines L980–L995. Licensee definition: §533C.102(14), printed p.3/index2. Inspection cross-reference: §533C.203. Iowa Legislature+1	High for the identified 2026 compilation. The out-of-state access condition is not a universal advance-examination notice requirement. No actual license, system, record, reconciliation, or compliance was verified. This three-year provision does not resolve or shorten any separately applicable Chapter 533A retention requirement.

2. Minimal body-link and coverage replacements

P04 §3.3 — Chapter 533C paragraph

Retain the paragraph’s existing substantive distinction. Replace or complete its claim/source link with:

S_IA-P4-C026; S_IA-P4-S004, §533C.606(1)(b)–(c), (2)–(3), printed p.18/PDF index17. The express monthly requirement concerns general-ledger posting, not bank-reconciliation frequency. Iowa Legislature

The preceding Chapter 533A reconciliation discussion is unchanged.

Existing coverage row — same identity

Component	Status	Claims — corrected	Exact missing evidence / next action — replacement
Chapter 533C bank reconciliations	Answered conditionally	S_IA-P4-C026, replacing the incorrect C017 link	Actual Chapter 533C licensee status and applicable records, retention, accessibility, and inspection facts remain unverified. The source establishes the records obligation, not a universal reconciliation frequency. Required next evidence is the applicable entity status and actual recordkeeping facts—not an inference from the administrator label.

This corrects an existing coverage link; it does not create another coverage category.

3. Corrected source-use entries

Notation: “Printed page” means the page number visible in the document. “PDF index” is zero-based. L-numbers below are global tool-extraction lines, not printed legislative line numbers.

All three entries were freshly checked on October 27, 2026 PDT / October 27, 2026 UTC. These PASS-09 annotations supplement—but do not retroactively replace—the original P04 access history. No new source IDs are created.

Stable source ID / issuer / full literal URL	Corrected exact-passage locator	Version and status	PASS-09 read bounds and limitations
S_IA-P4-S004 — Iowa Legislature, Iowa Code 2026, Chapter 533C — Uniform Money Transmission Modernization Act. https://www.legis.iowa.gov/docs/code/2026/533C.pdf	§533C.102(19): printed p.3/index2. §533C.102(28)–(29): printed p.4/index3. §533C.103: introductory language begins on printed p.4/index3; the originally selected (8), (9), (14), and (17)–(19) are on printed p.5/index4. §533C.301: printed p.8/index7. §533C.501: printed pp.15–16/indices14–15. §533C.502: printed p.16/index15. §533C.606: printed p.18/index17; heading/body/source note at extracted L979–L996, operative body L980–L995. §533C.701: printed pp.19–20/indices18–19. §533C.702: printed p.20/index19. Narrow C026 supporting reads: §533C.102(14), p.3/index2; §533C.203, pp.7–8/indices6–7, including the access provision in subsection2.	Official 2026 Code compilation, footer December 9, 2025. Section606’s source note identifies 2023 Acts, chapter83, §26; that note is not a newly verified effective-date or complete amendment-history determination.	Complete §606 was freshly read. Relevant definitions, selected exemption provisions, inspection cross-reference, and requested locator boundaries were checked. Actual page images were inspected at indices2,3,4,7,14,15,17,18,19. Section203’s body was also read in parsed text; no claim of visual inspection of index6. Not a comprehensive read of the 31-page chapter or later-law audit. Iowa Legislature+8
S_IA-P4-S007 — Iowa Legislature, Senate File 2298 — Introduced. https://www.legis.iowa.gov/docs/publications/LGI/91/SF2298.pdf	Cover: PDF index0. Bill §1, proposed amendment of §533A.8(5)(a): printed p.1/index1, printed legislative lines1–7, corresponding to extracted L12–L18. The old broader extracted range L12–L22 corresponds to printed p.1 lines1–11 and also reaches §§2–3; it is not a printed-line citation. Explanation: printed p.2/index2, not printed p.3. Extracted L72–L83 corresponds to printed legislative lines23–34. The specific account-language explanation is printed lines25–34, extracted L74–L83.	Introduced proposal, document identifier LSB 5596SV (1) 91; not operative Code authority. The explanation’s own qualification appears at printed p.2, lines21–22.	Freshly checked the cover identity in parsed text and the cited body/explanation passages. Actual images of indices1–2 were inspected. No bill history, amendments, final text, enactment status, or effective-date audit was rerun. Earlier HF2326 status observations remain dated observations, not a fresh enactment conclusion. Iowa Legislature+2
S_IA-P4-S001 — limited locator qualification only — Iowa Legislature, Iowa Code 2026, Chapter 533A — Debt Management. https://www.legis.iowa.gov/docs/code/2026/533A.pdf	§533A.9(5) starts on printed p.10/index9, extracted L562–L563. Its final sentence continues on printed p.11/index10, extracted L565–L566. Thus, the complete subsection requires printed pp.10–11/indices9–10, not a locator ending at p.10.	Official 2026 Code compilation, footer December 9, 2025. Compilation date is not a legal effective date.	Freshly read the complete subsection across the break and inspected both page images. This repairs the locator only; no fee interpretation, entitlement, or post-compilation currentness finding is added. All other S001 source-use descriptions remain unchanged. Iowa Legislature+2

Read-bound clarification: The original selected §533C.103 subsections are all on printed page5, although the section’s introductory language starts on page4. Likewise, §533C.702 is wholly on printed page20; §533C.701 is the provision crossing the page19–20 break. The replacements distinguish those bodies rather than merely shifting every old page number by one.

4. Affected-original-entry crosswalk

Original P04 entry	Exact repair	Unchanged boundary
S_IA-P4-C017	No substantive change. Remove its use as support for the bank-reconciliation coverage proposition.	Remains the transmission-licensing gateway claim; no records language is inserted into it.
Claim register	Append S_IA-P4-C026, as stated above.	C001–C025 retain their identities and original propositions.
§3.3, Chapter 533C paragraph	Link to C026 / S004 §533C.606 and expressly distinguish ledger-posting frequency from reconciliation frequency.	No reopening of Chapter 533A reconciliation, custody, fee, or retention analysis.
Coverage: “Chapter 533C bank reconciliations”	Replace claim link C017 → C026; use the qualified evidence-gap cell above.	Same coverage identity and conditional status; not new accepted coverage.
S004 exact-passage cell	Correct printed-page/PDF-index placements; identify complete §606 and its narrow definition/inspection references.	Same document and source group; original read history and broader currentness holds remain.
S007 exact-passage cell	Correct explanation to printed p.2/index2 and distinguish extracted from printed legislative lines.	Introduced-proposal status; no fresh legislative-status determination.
S001, §533A.9(5) locator	Include its continuation on printed p.11/index10.	Same substantive claim and source group; no fee reanalysis.
Examples, other claims, other coverage	No change.	Seven P04 examples and all supplied checked quantities/comparisons are preserved, not rerun.

Net scope: One added claim, one existing coverage crosslink repaired, one body crosslink clarified, and three existing source-use entries corrected or qualified. No source-count inflation or duplicate coverage row.

5. Preserved holds and researcher self-check

The Chapter 533A five-year-versus-compiled-rule-36-month retention issue remains separate and unresolved here. C026 does not use Chapter 533C’s three-year minimum to shorten either obligation.

Reciprocal exemptions and entity-specific status remain conditional. In particular, the agent-of-payee provision retains the requirement that the relevant goods or services be other than money transmission itself, together with all its actual statutory conditions; no automatic administrator permission follows from this repair. Iowa Legislature

All prior currentness, ARC0368D, original2018-order, later-law, actual control/actor/account, fee-earning, interpretation, insolvency, local, tribal, sector, state, and parent holds remain. P06 supplies no premise. P08 limitations and P05/P07 corporate-surety work are not reopened.

Fresh work: The three specified official PDFs were opened; complete §533C.606 and the narrow supporting provisions were read; the requested page placements were checked against parsed bodies and the specific page images identified above. All three document routes succeeded. No whole-chapter or latest-law verification is claimed.

Supplied rather than repeated: The coordinator’s complete-P04 review, raw-hash checks, and 19 scalar/relative-period checks are supplied provenance. I did not repeat those checks, rerun examples, inspect actual records, or verify any license, system, account, reconciliation, fee, or transaction.

No local artifact was written, no filing or contact occurred, and no publication or account was changed. This is a bounded same-coordinator correction, not independent review, and provides no component, Iowa, parent, A066, operational, or publication acceptance.

END S_IA PASS-09

Every captured table

Captured cells with original header handling and explicitly labeled bounded correction overlays. Downloaded JSON retains original cells. Tables may contain source limitations, historical examples and identified corrections; the complete reading supplies context.

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Captured table 01

Claim ID · Precise assertion · Source and exact pinpoint · 1 data rows

Claim ID	Precise assertion	Source and exact pinpoint	Predicates, qualifications, and confidence
S_IA-P4-C026	A Chapter 533C licensee must retain chapter-compliance records, in any form, for at least three years. Required records include a general ledger posted at least monthly, covering asset, liability, capital, income, and expense accounts, plus bank statements and bank-reconciliation records. Monthly posting qualifies the general ledger; the provision does not prescribe a bank-reconciliation cadence. Records may be maintained outside Iowa if accessible to the superintendent on seven business days’ notice sent by the superintendent in a record. Required records are open to the superintendent’s inspection pursuant to §533C.203. The remaining record categories in §533C.606(1) also remain applicable.	S_IA-P4-S004, §533C.606(1), particularly (b)–(c), and (2)–(3): printed p.18 / zero-based PDF index17; operative extracted lines L980–L995. Licensee definition: §533C.102(14), printed p.3/index2. Inspection cross-reference: §533C.203. Iowa Legislature +1	High for the identified 2026 compilation. The out-of-state access condition is not a universal advance-examination notice requirement. No actual license, system, record, reconciliation, or compliance was verified. This three-year provision does not resolve or shorten any separately applicable Chapter 533A retention requirement.

Source links captured in this table

Iowa Legislature +1

Captured table 02

Component · Status · Claims — corrected · 1 data rows

Component	Status	Claims — corrected	Exact missing evidence / next action — replacement
Chapter 533C bank reconciliations	Answered conditionally	S_IA-P4-C026, replacing the incorrect C017 link	Actual Chapter 533C licensee status and applicable records, retention, accessibility, and inspection facts remain unverified. The source establishes the records obligation, not a universal reconciliation frequency. Required next evidence is the applicable entity status and actual recordkeeping facts—not an inference from the administrator label.

Captured table 03

Stable source ID / issuer / full literal URL · Corrected exact-passage locator · Version and status · 3 data rows

Stable source ID / issuer / full literal URL	Corrected exact-passage locator	Version and status	PASS-09 read bounds and limitations
S_IA-P4-S004 — Iowa Legislature, Iowa Code 2026, Chapter 533C — Uniform Money Transmission Modernization Act. https://www.legis.iowa.gov/docs/code/2026/533C.pdf	§533C.102(19): printed p.3/index2. §533C.102(28)–(29): printed p.4/index3. §533C.103: introductory language begins on printed p.4/index3; the originally selected (8), (9), (14), and (17)–(19) are on printed p.5/index4. §533C.301: printed p.8/index7. §533C.501: printed pp.15–16/indices14–15. §533C.502: printed p.16/index15. §533C.606: printed p.18/index17; heading/body/source note at extracted L979–L996, operative body L980–L995. §533C.701: printed pp.19–20/indices18–19. §533C.702: printed p.20/index19. Narrow C026 supporting reads: §533C.102(14), p.3/index2; §533C.203, pp.7–8/indices6–7, including the access provision in subsection2.	Official 2026 Code compilation, footer December 9, 2025. Section606’s source note identifies 2023 Acts, chapter83, §26; that note is not a newly verified effective-date or complete amendment-history determination.	Complete §606 was freshly read. Relevant definitions, selected exemption provisions, inspection cross-reference, and requested locator boundaries were checked. Actual page images were inspected at indices2,3,4,7,14,15,17,18,19. Section203’s body was also read in parsed text; no claim of visual inspection of index6. Not a comprehensive read of the 31-page chapter or later-law audit. Iowa Legislature +8
S_IA-P4-S007 — Iowa Legislature, Senate File 2298 — Introduced. https://www.legis.iowa.gov/docs/publications/LGI/91/SF2298.pdf	Cover: PDF index0. Bill §1, proposed amendment of §533A.8(5)(a): printed p.1/index1, printed legislative lines1–7, corresponding to extracted L12–L18. The old broader extracted range L12–L22 corresponds to printed p.1 lines1–11 and also reaches §§2–3; it is not a printed-line citation. Explanation: printed p.2/index2, not printed p.3. Extracted L72–L83 corresponds to printed legislative lines23–34. The specific account-language explanation is printed lines25–34, extracted L74–L83.	Introduced proposal, document identifier LSB 5596SV (1) 91; not operative Code authority. The explanation’s own qualification appears at printed p.2, lines21–22.	Freshly checked the cover identity in parsed text and the cited body/explanation passages. Actual images of indices1–2 were inspected. No bill history, amendments, final text, enactment status, or effective-date audit was rerun. Earlier HF2326 status observations remain dated observations, not a fresh enactment conclusion. Iowa Legislature +2
S_IA-P4-S001 — limited locator qualification only — Iowa Legislature, Iowa Code 2026, Chapter 533A — Debt Management. https://www.legis.iowa.gov/docs/code/2026/533A.pdf	§533A.9(5) starts on printed p.10/index9, extracted L562–L563. Its final sentence continues on printed p.11/index10, extracted L565–L566. Thus, the complete subsection requires printed pp.10–11/indices9–10, not a locator ending at p.10.	Official 2026 Code compilation, footer December 9, 2025. Compilation date is not a legal effective date.	Freshly read the complete subsection across the break and inspected both page images. This repairs the locator only; no fee interpretation, entitlement, or post-compilation currentness finding is added. All other S001 source-use descriptions remain unchanged. Iowa Legislature +2

Source links captured in this table

Captured table 04

Original P04 entry · Exact repair · Unchanged boundary · 8 data rows

Original P04 entry	Exact repair	Unchanged boundary
S_IA-P4-C017	No substantive change. Remove its use as support for the bank-reconciliation coverage proposition.	Remains the transmission-licensing gateway claim; no records language is inserted into it.
Claim register	Append S_IA-P4-C026, as stated above.	C001–C025 retain their identities and original propositions.
§3.3, Chapter 533C paragraph	Link to C026 / S004 §533C.606 and expressly distinguish ledger-posting frequency from reconciliation frequency.	No reopening of Chapter 533A reconciliation, custody, fee, or retention analysis.
Coverage: “Chapter 533C bank reconciliations”	Replace claim link C017 → C026; use the qualified evidence-gap cell above.	Same coverage identity and conditional status; not new accepted coverage.
S004 exact-passage cell	Correct printed-page/PDF-index placements; identify complete §606 and its narrow definition/inspection references.	Same document and source group; original read history and broader currentness holds remain.
S007 exact-passage cell	Correct explanation to printed p.2/index2 and distinguish extracted from printed legislative lines.	Introduced-proposal status; no fresh legislative-status determination.
S001, §533A.9(5) locator	Include its continuation on printed p.11/index10.	Same substantive claim and source group; no fee reanalysis.
Examples, other claims, other coverage	No change.	Seven P04 examples and all supplied checked quantities/comparisons are preserved, not rerun.

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S_IA-P4-C026 Saved research record

A Chapter 533C licensee must retain chapter-compliance records, in any form, for at least three years. Required records include a general ledger posted at least monthly, covering asset, liability, capital, income, and expense accounts, plus bank statements and bank-reconciliation records. Monthly posting qualifies the general ledger; the provision does not prescribe a bank-reconciliation cadence. Records may be maintained outside Iowa if accessible to the superintendent on seven business days’ notice sent by the superintendent in a record. Required records are open to the superintendent’s inspection pursuant to §533C.203. The remaining record categories in §533C.606(1) also remain applicable.

Recorded check status: bounded correction checked requested repairs addressed with retained holds

Source and exact pinpoint: S_IA-P4-S004, §533C.606(1), particularly (b)–(c), and (2)–(3): printed p.18 / zero-based PDF index17; operative extracted lines L980–L995. Licensee definition: §533C.102(14), printed p.3/index2. Inspection cross-reference: §533C.203. Iowa Legislature +1
Predicates, qualifications, and confidence: High for the identified 2026 compilation. The out-of-state access condition is not a universal advance-examination notice requirement. No actual license, system, record, reconciliation, or compliance was verified. This three-year provision does not resolve or shorten any separately applicable Chapter 533A retention requirement.

Sources, pinpoints and access limits

Keep the source version, actual read extent and jurisdiction with the proposition. A link or researcher access claim is not a substitute for an operative primary passage.

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S_IA-P4-S004 Saved research record

S_IA-P4-S004 — Iowa Legislature, Iowa Code 2026, Chapter 533C — Uniform Money Transmission Modernization Act. https://www.legis.iowa.gov/docs/code/2026/533C.pdf

Recorded check status: bounded correction checked requested repairs addressed with retained holds

Corrected exact-passage locator: §533C.102(19): printed p.3/index2. §533C.102(28)–(29): printed p.4/index3. §533C.103: introductory language begins on printed p.4/index3; the originally selected (8), (9), (14), and (17)–(19) are on printed p.5/index4. §533C.301: printed p.8/index7. §533C.501: printed pp.15–16/indices14–15. §533C.502: printed p.16/index15. §533C.606: printed p.18/index17; heading/body/source note at extracted L979–L996, operative body L980–L995. §533C.701: printed pp.19–20/indices18–19. §533C.702: printed p.20/index19. Narrow C026 supporting reads: §533C.102(14), p.3/index2; §533C.203, pp.7–8/indices6–7, including the access provision in subsection2.
Version and status: Official 2026 Code compilation, footer December 9, 2025. Section606’s source note identifies 2023 Acts, chapter83, §26; that note is not a newly verified effective-date or complete amendment-history determination.
PASS-09 read bounds and limitations: Complete §606 was freshly read. Relevant definitions, selected exemption provisions, inspection cross-reference, and requested locator boundaries were checked. Actual page images were inspected at indices2,3,4,7,14,15,17,18,19. Section203’s body was also read in parsed text; no claim of visual inspection of index6. Not a comprehensive read of the 31-page chapter or later-law audit. Iowa Legislature +8
Direct source URLs: https://www.legis.iowa.gov/docs/code/2026/533C.pdf

S_IA-P4-S007 Saved research record

S_IA-P4-S007 — Iowa Legislature, Senate File 2298 — Introduced. https://www.legis.iowa.gov/docs/publications/LGI/91/SF2298.pdf

Recorded check status: bounded correction checked requested repairs addressed with retained holds

Corrected exact-passage locator: Cover: PDF index0. Bill §1, proposed amendment of §533A.8(5)(a): printed p.1/index1, printed legislative lines1–7, corresponding to extracted L12–L18. The old broader extracted range L12–L22 corresponds to printed p.1 lines1–11 and also reaches §§2–3; it is not a printed-line citation. Explanation: printed p.2/index2, not printed p.3. Extracted L72–L83 corresponds to printed legislative lines23–34. The specific account-language explanation is printed lines25–34, extracted L74–L83.
Version and status: Introduced proposal, document identifier LSB 5596SV (1) 91; not operative Code authority. The explanation’s own qualification appears at printed p.2, lines21–22.
PASS-09 read bounds and limitations: Freshly checked the cover identity in parsed text and the cited body/explanation passages. Actual images of indices1–2 were inspected. No bill history, amendments, final text, enactment status, or effective-date audit was rerun. Earlier HF2326 status observations remain dated observations, not a fresh enactment conclusion. Iowa Legislature +2
Direct source URLs: https://www.legis.iowa.gov/docs/publications/LGI/91/SF2298.pdf

S_IA-P4-S001 Saved research record

S_IA-P4-S001 — limited locator qualification only — Iowa Legislature, Iowa Code 2026, Chapter 533A — Debt Management. https://www.legis.iowa.gov/docs/code/2026/533A.pdf

Recorded check status: bounded correction checked requested repairs addressed with retained holds

Corrected exact-passage locator: §533A.9(5) starts on printed p.10/index9, extracted L562–L563. Its final sentence continues on printed p.11/index10, extracted L565–L566. Thus, the complete subsection requires printed pp.10–11/indices9–10, not a locator ending at p.10.
Version and status: Official 2026 Code compilation, footer December 9, 2025. Compilation date is not a legal effective date.
PASS-09 read bounds and limitations: Freshly read the complete subsection across the break and inspected both page images. This repairs the locator only; no fee interpretation, entitlement, or post-compilation currentness finding is added. All other S001 source-use descriptions remain unchanged. Iowa Legislature +2
Direct source URLs: https://www.legis.iowa.gov/docs/code/2026/533A.pdf

What was examined—and what is still missing

The saved component-level coverage record keeps answered, partial, blank and unresolved branches distinct. A coverage label is not acceptance of a whole subject or jurisdiction.

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coverage-1 Saved research record

Chapter 533C bank reconciliations

Recorded check status: recorded; no individual primary acceptance inferred

Status: Answered conditionally
Claims — corrected: S_IA-P4-C026, replacing the incorrect C017 link
Exact missing evidence / next action — replacement: Actual Chapter 533C licensee status and applicable records, retention, accessibility, and inspection facts remain unverified. The source establishes the records obligation, not a universal reconciliation frequency. Required next evidence is the applicable entity status and actual recordkeeping facts—not an inference from the administrator label.

Recorded coordinator check boundaries

coordinator acceptance: bounded_correction_checked_requested_repairs_addressed_with_retained_holds

Corrections, review and scope

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No currently queued material correction is mapped to this component. This does not remove its currentness, access, jurisdiction or application limits.

Recorded review disposition

scoped review complete requested repairs addressed with holds

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Record integrity

Original saved Markdown SHA-256: 7b7b5169ded4154b88bb48a1bcc2681c1190835a2bdf83378bfa4153edeb8493. Public formatting, private-reference removal and correction annotations are separate from that immutable original.