开🍶(kai)开🏙(kai)心⬜(xin)心👳(xin)生🚮(sheng)活👃(huo),明🕕(ming)明🔲(ming)白🧝(bai)白🌡(bai)理🌟(li)财🚱(cai)
这🖊(zhe)里😛(li)是😚(shi)《21理⛪(li)财🆚(cai)私🐖(si)房🔘(fang)课🦁(ke)》,欢😓(huan)迎⚪(ying)大⤴(da)家🥙(jia)准🏖(zhun)时🍪(shi)收👞(shou)看💸(kan)!   最🎒(zui)近⛲(jin)一🔩(yi)张👙(zhang)1亿🚊(yi)元🐝(yuan)的♈(de)大📻(da)额🤙(e)保🏡(bao)单🐶(dan)刷🦖(shua)屏🔮(ping)了💞(le),被✂(bei)保⛲(bao)险🎗(xian)人💆(ren)据👤(ju)说🥐(shuo)是🎄(shi)“0岁⛸(sui)宝🌲(bao)宝👊(bao)”。也🦍(ye)就🌇(jiu)是🍊(shi)说🧡(shuo)孩🗾(hai)子📶(zi)父🉑(fu)母📀(mu)在🤣(zai)孩🕯(hai)子🍒(zi)刚🥂(gang)出🥙(chu)生♊(sheng)没🔍(mei)多⛸(duo)久⏰(jiu)就🐐(jiu)给🌎(gei)孩💏(hai)子🐏(zi)买🤖(mai)了🏮(le)一🔣(yi)个⛔(ge)亿🐼(yi)的⌚(de)保🕡(bao)险😸(xian)。   今🍦(jin)年😅(nian)2月✂(yue)还🔢(hai)有🛐(you)一💟(yi)张🐁(zhang)更🐴(geng)大🦕(da)额🍸(e)的🏝(de)保🏪(bao)险🦃(xian),汇⏪(hui)丰🎵(feng)保🏟(bao)险🌂(xian)在🅰(zai)香🐂(xiang)港🚏(gang)签🍂(qian)发🚌(fa)了🦗(le)一🐙(yi)张🔁(zhang)2.5亿📏(yi)美🤨(mei)元👠(yuan)的🥠(de)人✴(ren)寿🈂(shou)保🛺(bao)单🕌(dan),相🐕(xiang)当🧜(dang)于🚝(yu)人🏂(ren)民🍊(min)币🔛(bi)18亿🤳(yi)元🎊(yuan),打🚵(da)破🐼(po)了🍌(le)吉🍹(ji)尼🈸(ni)斯🦒(si)世🍻(shi)界🏷(jie)纪🔨(ji)录🚀(lu)的🕳(de)最😝(zui)高👓(gao)价💡(jia)值😠(zhi)人🔮(ren)寿⛩(shou)保🕞(bao)单😄(dan)纪🍪(ji)录🍽(lu)。   富💥(fu)人🏄(ren)们🍯(men)为🌷(wei)什📟(shen)么🐤(me)热🗳(re)衷🥣(zhong)买🌵(mai)天🛌(tian)价🥛(jia)保🏪(bao)险♎(xian)?普🚪(pu)通😂(tong)人⌛(ren)在🎫(zai)保🛬(bao)险🍧(xian)配🏃(pei)置🍻(zhi)上✋(shang)应📵(ying)该🌪(gai)如🔐(ru)何🐸(he)做🛃(zuo)?今♓(jin)天⏲(tian)的🔍(de)理🔆(li)财🌃(cai)私🙂(si)房🚝(fang)课🍾(ke)我🐆(wo)们📽(men)一📡(yi)起🚴(qi)来🐠(lai)聊🕝(liao)聊🎼(liao)这📎(zhe)个💍(ge)话🏫(hua)题🍮(ti)。   天🎌(tian)价💷(jia)保🏌(bao)单🔆(dan)为🚏(wei)哪🐩(na)般🥇(ban)?   首🚍(shou)先⏹(xian)我🗓(wo)们🐓(men)来💝(lai)看🌔(kan)看✏(kan)这😢(zhe)张🈴(zhang)天🥚(tian)价💌(jia)保💽(bao)单🕒(dan),买⚓(mai)的😴(de)是🛫(shi)某🌽(mou)人🖲(ren)寿🚉(shou)保🔚(bao)险🛣(xian)公🔙(gong)司👉(si)的🤝(de)一🛋(yi)款👍(kuan)年👃(nian)金🍂(jin)保🚴(bao)险🙌(xian),被💃(bei)保🐐(bao)险🐽(xian)人🏂(ren)据🗃(ju)说🎄(shuo)是🌌(shi)个😠(ge)刚🐖(gang)出🗝(chu)生💢(sheng)没💡(mei)多🗝(duo)久🧀(jiu)的😒(de)宝🐏(bao)宝Ⓜ(bao),投🙊(tou)保👷(bao)人👠(ren)一🚺(yi)次🎤(ci)就😔(jiu)交🥉(jiao)了👰(le)1个🛺(ge)亿📏(yi),不🙁(bu)得🍍(de)不👸(bu)说🥤(shuo)财🐅(cai)大🚉(da)气🌊(qi)粗🥙(cu)啊🚄(a)。这📭(zhe)款📪(kuan)年😐(nian)金💘(jin)险✨(xian)早🔻(zao)早👉(zao)就😂(jiu)可🐈(ke)以🦇(yi)开✝(kai)始✳(shi)领💢(ling)钱🌖(qian),第🍵(di)五🥗(wu)年👿(nian)可🚽(ke)以🗳(yi)一📉(yi)次🌽(ci)性😘(xing)领🐶(ling)取🚂(qu)1000万🏯(wan)元🅰(yuan)关🗄(guan)爱👥(ai)金💭(jin),随📐(sui)后🉐(hou)从🐺(cong)第⏳(di)六💑(liu)年👱(nian)开🤹(kai)始🚤(shi)每🚈(mei)年🧐(nian)都🖖(dou)可👪(ke)以🛠(yi)领🏖(ling)取💅(qu)300万🏾(wan)元🌷(yuan)生💀(sheng)存🍫(cun)年🕤(nian)金📠(jin),活🔙(huo)多🥀(duo)久🖋(jiu)领☔(ling)多⛄(duo)久🗓(jiu),相🔡(xiang)当🉐(dang)于💿(yu)出🧒(chu)生😊(sheng)就❤(jiu)可😎(ke)以📽(yi)躺👅(tang)平🗒(ping)了🖌(le)。   这😡(zhe)也🌴(ye)是🎑(shi)年🧗(nian)金🔺(jin)险🛑(xian)的🤭(de)一👷(yi)大🆚(da)特⛸(te)点🚾(dian),所💘(suo)谓🀄(wei)年🍊(nian)金👵(jin)险🦌(xian)指🍖(zhi)的🏢(de)就🏨(jiu)是🏯(shi)投🔈(tou)保🏜(bao)人🐣(ren)定💘(ding)期🍁(qi)向🔐(xiang)保🥕(bao)险🍖(xian)公🍘(gong)司✡(si)缴🗝(jiao)纳😛(na)一🔇(yi)定🕦(ding)的👠(de)保🗿(bao)费😀(fei),从🚤(cong)约🈚(yue)定🎄(ding)时🔍(shi)间🌟(jian)开🧣(kai)始👓(shi),再💒(zai)从🚌(cong)保😻(bao)险📢(xian)公🌑(gong)司🧜(si)领🕉(ling)钱👺(qian)的🎲(de)理😄(li)财👃(cai)保⏩(bao)险🏂(xian)。   如⬆(ru)果🏼(guo)这🈳(zhe)位🍂(wei)给🐢(gei)孩🍵(hai)子⭐(zi)买🏈(mai)保🔶(bao)险🚚(xian)的⚾(de)父👞(fu)母🛄(mu)中🎪(zhong)途🎻(tu)想🈯(xiang)退🥇(tui)保➖(bao)的👸(de)话🔫(hua),等🚉(deng)到🦏(dao)8年📎(nian)后✋(hou)可🛀(ke)以🌶(yi)退🎚(tui)回🙌(hui)1亿⚓(yi)多🧑(duo),相🦊(xiang)当🌳(dang)于📍(yu)回🚕(hui)本🥙(ben)了🥚(le),没🗃(mei)满🕗(man)8年🤳(nian)退❗(tui)保📭(bao)的🎻(de)话🐜(hua)可🌻(ke)会❣(hui)亏📭(kui)钱☕(qian)。   富🅰(fu)人⚓(ren)们😂(men)为🛬(wei)何⛅(he)热👪(re)衷🛅(zhong)天🖋(tian)价➰(jia)保🚀(bao)单🚸(dan)?   那🚊(na)富🖋(fu)人❇(ren)们🎹(men)为🥀(wei)什🤮(shen)么🔘(me)喜🔧(xi)欢🔻(huan)给💌(gei)孩👴(hai)子🔖(zi)买🎥(mai)这🏮(zhe)种👚(zhong)保🤺(bao)险📚(xian)?买🔵(mai)的🍽(de)金📱(jin)额😠(e)还🐖(hai)特🖋(te)别🕑(bie)大🛬(da),把🚫(ba)钱🍳(qian)存📳(cun)着🛥(zhe)给🏬(gei)孩🍻(hai)子🥇(zi)花✨(hua)不🏈(bu)好🤐(hao)吗🙏(ma)?   首🕌(shou)先♎(xian)呢🛂(ne),这👬(zhe)种🔄(zhong)年🏟(nian)金🍨(jin)险👄(xian)相👈(xiang)当🥤(dang)于🏪(yu)强🌆(qiang)制🦈(zhi)存🔢(cun)了🕖(le)一🏿(yi)笔🈴(bi)钱⛄(qian)给🎨(gei)孩🈯(hai)子🎍(zi),到🔏(dao)约🥣(yue)定🎆(ding)的🚦(de)时🏻(shi)间🆓(jian)后🎣(hou)孩🕜(hai)子🍖(zi)就👠(jiu)可👙(ke)以🖇(yi)每🈴(mei)年🍷(nian)获🕯(huo)得🚝(de)一🌯(yi)笔😱(bi)固🚄(gu)定🐽(ding)金🏷(jin)额✴(e)的💇(de)钱👼(qian),可🌐(ke)以🎐(yi)给👁(gei)孩🔉(hai)子🎃(zi)的🚕(de)生📢(sheng)活🥉(huo)提⚽(ti)供🧝(gong)保🍰(bao)障🎛(zhang)。   其🐏(qi)次💘(ci)是🏂(shi)可🙅(ke)以💸(yi)保🍊(bao)值😆(zhi),现🍲(xian)在🎅(zai)存🏗(cun)款👢(kuan)利⛹(li)率💏(lv)一🧒(yi)降😵(jiang)再🤦(zai)降🏬(jiang),这⛱(zhe)种🚓(zhong)保🐣(bao)单🙄(dan)已🐳(yi)经🆎(jing)固🥛(gu)定🏗(ding)好🔀(hao)每😃(mei)年🐕(nian)可🐏(ke)以🕕(yi)领🐕(ling)多🔤(duo)少🎚(shao)钱😮(qian)了🛺(le),收🈁(shou)益🎥(yi)率🐨(lv)已⚪(yi)经📣(jing)固🥧(gu)定🎽(ding)了📡(le),隐🎚(yin)含👓(han)的🤒(de)收😊(shou)益🐭(yi)率👉(lv)虽❗(sui)然💉(ran)不🌑(bu)高❎(gao),可😹(ke)能🍵(neng)在🗿(zai)2%-3%之🚟(zhi)间🍲(jian),但🌌(dan)也🛡(ye)能🏴(neng)起💴(qi)到🈁(dao)一🐫(yi)定🏕(ding)的🤛(de)保💀(bao)值🔚(zhi)效🥌(xiao)果🎇(guo)。   前🍐(qian)面🏽(mian)提👵(ti)到🎦(dao)的🍕(de)天🏍(tian)价⏹(jia)保😁(bao)单♓(dan),如♓(ru)果🥓(guo)孩💺(hai)子💳(zi)活🎤(huo)到🏛(dao)85岁📀(sui),一💤(yi)共📞(gong)可💕(ke)以🌥(yi)领🌔(ling)2.5亿👉(yi)多🧖(duo)。虽🏗(sui)然🌳(ran)存🔦(cun)银🎐(yin)行🔻(xing)存🌞(cun)款🍊(kuan)这🖲(zhe)么🙄(me)多🤰(duo)年👩(nian)也🎼(ye)能🚸(neng)有😢(you)这👆(zhe)么😺(me)多🥫(duo)收🈁(shou)益🌶(yi),但🗨(dan)是🤤(shi)银🏼(yin)行🌖(xing)存🚦(cun)款🕋(kuan)要🔑(yao)到🕧(dao)期⛺(qi)才🍃(cai)能🍡(neng)取🙊(qu),不🎳(bu)像🤓(xiang)年🈷(nian)金🚏(jin)险🌎(xian)每♐(mei)年💇(nian)有🍦(you)一🛬(yi)笔🚓(bi)钱👮(qian)领🍰(ling)   di 👕(di)san 👻(san)shi 📭(shi)ke 💋(ke)yi 🗽(yi)ding 🕜(ding)xiang 👻(xiang)chuan 🏙(chuan)cheng 🕠(cheng),hen 😨(hen)duo 📸(duo)you 🌭(you)qian 🛷(qian)ren 👵(ren)hui 🏅(hui)dan 🎦(dan)xin 🍵(xin)hai 🌴(hai)zi 📷(zi)ba 📩(ba)qian ✋(qian)hui 💟(hui)huo 🏼(huo)diao 🍮(diao)le 🧣(le),zhe 😩(zhe)zhong 💲(zhong)nian 📟(nian)jin 👜(jin)xian 💏(xian)gu 😠(gu)ding 🕸(ding)mei 🏾(mei)nian 🥨(nian)gei 🍮(gei)duo 💬(duo)shao 🧡(shao)qian 🛐(qian),jiu 🖨(jiu)bu 🍵(bu)yong 🖨(yong)dan 🎐(dan)xin 🛎(xin)bei 🥥(bei)hai 😇(hai)zi 😥(zi)hui 🌖(hui)huo 🐗(huo)diao ⬜(diao)le 🌨(le),cai 🐘(cai)fu 🎇(fu)wu 🥘(wu)fa ⬇(fa)chuan 🥪(chuan)cheng 🔸(cheng)xia 🎴(xia)qu 🌁(qu)。   di 🎰(di)si 👜(si)shi 🙊(shi)ke 🈵(ke)yi 💅(yi)da 👯(da)dao 🕟(dao)zi ⛲(zi)chan 🎴(chan)ge 🔴(ge)li 🎈(li)de 🦉(de)xiao 💏(xiao)guo 🛶(guo),bi 🔒(bi)ru 🚃(ru)wan ✒(wan)yi 🎠(yi)ta 👬(ta)de 📠(de)fu 😺(fu)mu 📭(mu)sheng 🔔(sheng)yi 💅(yi)shi 🥑(shi)bai 👌(bai)le 🏬(le)qian 😁(qian)zhai 🍁(zhai)le 🅰(le),ru 🏔(ru)guo 🕌(guo)she 💂(she)ji ❣(ji)de 🤦(de)hao 💃(hao)de 🏵(de)hua 🦌(hua)ke 🌩(ke)yi 🌊(yi)bu 📍(bu)shou 🌯(shou)ying 💌(ying)xiang 🌒(xiang),xiao 🎞(xiao)hai 🌇(hai)ke ❎(ke)yi 🈶(yi)ji 😨(ji)xu 🛷(xu)cong 🎣(cong)bao 🏝(bao)xian 🅿(xian)gong 👾(gong)si 🆖(si)ling 🍝(ling)qian 🐔(qian)。ru 📻(ru)guo 🍺(guo)hai 🚈(hai)zi 🎸(zi)bi 🏣(bi)jiao 🍱(jiao)da 🍱(da)le 🤴(le),zhe ✍(zhe)zhong 📷(zhong)bao 🏖(bao)xian 🐴(xian)hai 📺(hai)ke 🐍(ke)yi 🗄(yi)bi 🤺(bi)mian 📹(mian)li 📚(li)hun ☝(hun)shi ✍(shi)zhe 📴(zhe)bi 📭(bi)cai ➕(cai)chan 🤞(chan)bei 🤺(bei)fen 🈴(fen)ge 💅(ge)zou 😦(zou)。dang 🍺(dang)ran 🚇(ran)le 🌃(le)ju 🚂(ju)ti ❗(ti)neng 🥧(neng)bu ✌(bu)neng ⬇(neng)zi 🎺(zi)chan 🍃(chan)ge 🎳(ge)li 😫(li)hai 🗞(hai)yao 🔖(yao)kan 👴(kan)qing 🚊(qing)kuang ✂(kuang),ye 🛤(ye)xu 🥃(xu)yao 🔸(yao)zhuan 👖(zhuan)ye 📢(ye)she ⭐(she)ji 🖐(ji)cai 🤜(cai)neng 🐵(neng)zuo 🐮(zuo)dao 🤳(dao)。   pu 🎞(pu)tong 🙇(tong)ren 📱(ren)yao 🤔(yao)gen 🏕(gen)feng 🔃(feng)ma 🍓(ma)?   na 📍(na)me 🏓(me)pu 👅(pu)tong 🖕(tong)ren 🎓(ren)you 💕(you)bi 🐡(bi)yao 🥣(yao)gei 🦓(gei)hai 🎢(hai)zi 🤰(zi)mai ⬆(mai)zhe 🚞(zhe)zhong 😷(zhong)bao 💞(bao)xian 🐻(xian)ma 📽(ma)?   pu 🐾(pu)tong 🕘(tong)ren 🐺(ren)yao 🧀(yao)liang 🧔(liang)li ✌(li)er ㊙(er)xing 😐(xing),zhe 😜(zhe)zhong 🥍(zhong)bao 😛(bao)xian 🦐(xian)xiang 📯(xiang)dang 🅰(dang)yu 🏹(yu)jia 🏾(jia)li 🏴(li)bi 📒(bi)jiao 🕰(jiao)you 😾(you)qian 🚏(qian)de 🗜(de)shi 👘(shi)hou 🥁(hou)gei 🐇(gei)hai 🍖(hai)zi 😲(zi)qiang 👺(qiang)zhi ⛹(zhi)cun 🈂(cun)yi 🍟(yi)bi ♿(bi)qian 🔹(qian)zai ✔(zai)bao 🦋(bao)xian 🍀(xian)gong 🧑(gong)si 🎞(si),wei 📼(wei)yu 🏐(yu)chou 🔏(chou)mou 😹(mou)ti 🚁(ti)qian 📐(qian)gei 🐋(gei)hai 📢(hai)zi 🥂(zi)gui 🎮(gui)hua 🌻(hua)bao 😅(bao)zhang 🔌(zhang),suo 🦁(suo)yi 🛂(yi)qian 🉑(qian)ti 🎗(ti)shi 💡(shi)zhe 🧑(zhe)bi ♿(bi)qian 👗(qian)bu 🗒(bu)ying 🐧(ying)xiang 🔟(xiang)dang 🙅(dang)xia 🈷(xia)huo 💷(huo)zhe 🆙(zhe)ke 🧀(ke)yu 🙈(yu)qi 🍣(qi)de 🥥(de)wei 🏏(wei)lai 🦓(lai)de 🦕(de)zheng 🦔(zheng)chang 🌟(chang)xiao 🌯(xiao)fei ⛩(fei)。   qi ⏪(qi)shi 📠(shi)shi 🍏(shi)he 🚪(he)fu 🐣(fu)mu 👗(mu)gei 🛒(gei)hai 👞(hai)zi ♟(zi)mai 🤧(mai)de 👍(de)bao 🗑(bao)xian 🎶(xian)ting 🌜(ting)duo 🤮(duo)de 🦏(de),ke 🐯(ke)yi 🖊(yi)gen 🎀(gen)ju 🤭(ju)bao 🏍(bao)zhang 📌(zhang)de ❣(de)xu 🍔(xu)qiu 🤧(qiu)lai 🎞(lai)mai 😵(mai)。bi 🚝(bi)ru 🚜(ru),nian 🖖(nian)jin 🅾(jin)xian 🌹(xian)jiu ⌚(jiu)you 😜(you)san 🌟(san)lei 🤲(lei),di 👕(di)yi 🥇(yi)lei 🕕(lei)shi 🤕(shi)jiao 🏾(jiao)yu 🐏(yu)nian 🈚(nian)jin 🏃(jin)xian 🦈(xian),di 🏁(di)er 💷(er)lei 🧗(lei)shi 👺(shi)yang 🛸(yang)lao ⏯(lao)nian 👪(nian)jin 🌲(jin)xian 🤩(xian),di 🏍(di)san 🧒(san)lei 🐦(lei)shi 🎼(shi)kuai 🕶(kuai)fan 💅(fan)xing 👜(xing)nian 😶(nian)jin 📖(jin)xian 🚆(xian),wo 🔟(wo)men 🙄(men)qian 🐔(qian)mian 🎽(mian)ti 🏿(ti)dao 👤(dao)de 🆑(de)tian 🍄(tian)jia 📀(jia)bao 🎦(bao)dan ⚽(dan)jiu 🚂(jiu)shu 🧐(shu)yu 🕯(yu)kuai 🦆(kuai)fan 🛄(fan)xing 🎁(xing)nian 🎃(nian)jin 💹(jin)xian ⏰(xian)。   na 🚪(na)me 🏂(me)zen 😀(zen)me 🔈(me)xuan 🌋(xuan)ne 😞(ne)?   yi 💨(yi)kan 🔍(kan)ju 🐅(ju)ti 🍮(ti)xu 🐶(xu)qiu 😁(qiu)he 🍥(he)xi 🏂(xi)wang 👉(wang)shen 😋(shen)me 💔(me)shi 🧖(shi)hou 🙏(hou)ke 🤤(ke)yi ❎(yi)ling 💺(ling)qian 🕟(qian)。ru 🧙(ru)guo 🐘(guo)shi 🏍(shi)gei 📯(gei)hai 🤐(hai)zi ⤴(zi)zhun 😎(zhun)bei 🏌(bei)18sui 🐔(sui)shang 🦋(shang)da ✂(da)xue 🚏(xue)de 🏤(de)qian 💣(qian),ke 📞(ke)yi 🦏(yi)mai 👚(mai)jiao 📖(jiao)yu 🐙(yu)nian 🛌(nian)jin 🎵(jin)xian 🆎(xian),ru 🚰(ru)guo 🎶(guo)xi 🔨(xi)wang 👧(wang)geng ⏮(geng)kuai 🛥(kuai)ling 🔻(ling)dao 🧔(dao)qian ➕(qian),ke 🍃(ke)yi 👂(yi)xuan 🕞(xuan)kuai 🎭(kuai)fan ⚽(fan)xing 😛(xing)。   er 😐(er)kan 📔(kan)shi 👭(shi)ji 🔱(ji)shou 🤭(shou)yi 🚴(yi)lv 🚀(lv),zhu 🖋(zhu)yao 💸(yao)kan 🍻(kan)nei 🈸(nei)bu 🛠(bu)shou ✈(shou)yi 🎯(yi)lv 🚙(lv)IRRgao 🥅(gao)di 🔠(di),shou 💘(shou)yi 🐞(yi)lv 🖼(lv)yue 🌖(yue)gao 🤲(gao)yue ♉(yue)hao 😞(hao)。   chu 🚅(chu)le 🅰(le)nian 🎿(nian)jin 🔶(jin)xian 🙂(xian)yi 🥀(yi)wai ♌(wai),fu 🥪(fu)ren 🍂(ren)men 📥(men)xi 🗝(xi)huan ⛳(huan)mai 🔮(mai)de 🕡(de)hai 🎨(hai)you 🍬(you)shou 🕦(shou)xian 🔪(xian),zuo 🚰(zuo)wei 🏉(wei)cai 🔆(cai)fu 🌌(fu)chuan 🛃(chuan)cheng 🏊(cheng)de 📫(de)gong 🌞(gong)ju 👌(ju)。dui 🕢(dui)yu 🍓(yu)pu ⏱(pu)tong ⏬(tong)ren 😪(ren)er 🕷(er)yan 👥(yan),zai 👥(zai)you 🐿(you)yu 🌫(yu)qian ♒(qian)de 🔙(de)qing 🌳(qing)kuang 🌽(kuang)xia 👦(xia)ke 🎒(ke)yi 😺(yi)liang 🥋(liang)li 🌈(li)er 🕚(er)xing 🌸(xing),gei 🕕(gei)hai 🛷(hai)zi 🏭(zi)ti ✒(ti)qian 🥓(qian)gui 🔴(gui)hua 🦅(hua),gen 🚀(gen)ju 🎠(ju)ju 🔑(ju)ti 📤(ti)bao 🚗(bao)zhang 📝(zhang)xu 😕(xu)qiu 🤩(qiu)lai 🕝(lai)xuan 🚃(xuan)chan 🎂(chan)pin 👎(pin)。