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)。