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Источник: ЦБ РФ

3 Best Car Insurance Companies for 2017

Have you been car insurance shopping lately? Then you know that the auto insurance market is packed with companies boasting clever taglines, annoying jingles and little reptile mascots. But beneath the advertising hype, is there really much of a difference between the top players in the industry? (See also: How to Find the Right Car Insurance.)

Actually, as it turns out, there is – and not just in premium costs, although those can vary a lot between companies. Some companies do a much better job with handling claims, and others excel at customer service overall. Some companies offer more policy and vehicle coverage options. The bottom line is that you need to shop around to find the best car insurance company based on your own particular needs and preferences. (See also: Tips for Cheaper, Better Car Insurance.)

That said, a few companies rise to the top across the board, with high marks in customer satisfaction, competitive rates, easy claims processing and overall convenience in managing your policy. So before you sign up for a new car insurance policy in 2017, check out what's available from these top companies.

1. Amica Mutual Insurance Company

If you're scratching your head over the first name on the list, it's because Amica definitely lacks the name recognition of some of the other insurance companies. At number 22 in terms of size, it's not the largest company, but Amica comes out on top when it comes to customer satisfaction according to J.D. Power’s satisfaction survey, with perfect scores in four out of seven categories.

Amica also offers the broadest selection of vehicle and driver coverage of the companies on this list as well as prices near or at the bottom for comparable policies. And as a mutual insurance company, it doesn't have shareholders looking for dividends – premium surpluses are shared with policyholders. It is worth noting that Amica's mobile app offering is not as robust as some of the larger companies, in case that's a deal-breaker for you.

2. State Farm Insurance

State Farm is the largest auto insurer in the country, with roughly 19% of the market. You don't get that big without doing something right. For starters, it's extremely easy to manage your policy – you can call an agent (there are 18,000 of them), use online chat or even use the convenient Pocket Agent app. The shopping experience is pretty painless, too.

State Farm offers great discount programs, including the Drive Safe & Save, which can knock 50% off your premium based on your driving behavior as measured by your OnStar, SYNC system or mobile device. The company also has excellent rental car and travel expense reimbursement coverage. However, State Farm gets dinged a bit on overall claims satisfaction, where it lags behind other insurance giants.

3. Geico

Geico is known for its low premiums (and yes, the gecko). If affordability is your primary consideration and you're comfortable managing your policy online or over a mobile app, this is a great choice. Overall customer satisfaction is higher than average, as is satisfaction with the claims process.

Geico has some optional coverage choices that are pretty appealing as well, including mechanical breakdown coverage and emergency roadside assistance. There's also a hybrid product for ride-sharing drivers who don't want to have multiple policies for the same vehicle. Discount programs are available for good students and members of the military, while federal employees also get special rates. Geico prides itself on its robust mobile app offering and online tools, but if a full-service agent experience is more your style, this may not be your best choice.

3 Best Car Insurance Companies for 2017

Have you been car insurance shopping lately? Then you know that the auto insurance market is packed with companies boasting clever taglines, annoying jingles and little reptile mascots. But beneath the advertising hype, is there really much of a difference between the top players in the industry? (See also: How to Find the Right Car Insurance.)

Actually, as it turns out, there is – and not just in premium costs, although those can vary a lot between companies. Some companies do a much better job with handling claims, and others excel at customer service overall. Some companies offer more policy and vehicle coverage options. The bottom line is that you need to shop around to find the best car insurance company based on your own particular needs and preferences. (See also: Tips for Cheaper, Better Car Insurance.)

That said, a few companies rise to the top across the board, with high marks in customer satisfaction, competitive rates, easy claims processing and overall convenience in managing your policy. So before you sign up for a new car insurance policy in 2017, check out what's available from these top companies.

1. Amica Mutual Insurance Company

If you're scratching your head over the first name on the list, it's because Amica definitely lacks the name recognition of some of the other insurance companies. At number 22 in terms of size, it's not the largest company, but Amica comes out on top when it comes to customer satisfaction according to J.D. Power’s satisfaction survey, with perfect scores in four out of seven categories.

Amica also offers the broadest selection of vehicle and driver coverage of the companies on this list as well as prices near or at the bottom for comparable policies. And as a mutual insurance company, it doesn't have shareholders looking for dividends – premium surpluses are shared with policyholders. It is worth noting that Amica's mobile app offering is not as robust as some of the larger companies, in case that's a deal-breaker for you.

2. State Farm Insurance

State Farm is the largest auto insurer in the country, with roughly 19% of the market. You don't get that big without doing something right. For starters, it's extremely easy to manage your policy – you can call an agent (there are 18,000 of them), use online chat or even use the convenient Pocket Agent app. The shopping experience is pretty painless, too.

State Farm offers great discount programs, including the Drive Safe & Save, which can knock 50% off your premium based on your driving behavior as measured by your OnStar, SYNC system or mobile device. The company also has excellent rental car and travel expense reimbursement coverage. However, State Farm gets dinged a bit on overall claims satisfaction, where it lags behind other insurance giants.

3. Geico

Geico is known for its low premiums (and yes, the gecko). If affordability is your primary consideration and you're comfortable managing your policy online or over a mobile app, this is a great choice. Overall customer satisfaction is higher than average, as is satisfaction with the claims process.

Geico has some optional coverage choices that are pretty appealing as well, including mechanical breakdown coverage and emergency roadside assistance. There's also a hybrid product for ride-sharing drivers who don't want to have multiple policies for the same vehicle. Discount programs are available for good students and members of the military, while federal employees also get special rates. Geico prides itself on its robust mobile app offering and online tools, but if a full-service agent experience is more your style, this may not be your best choice.

Best Balance Transfer Credit Cards for 2017

Experts agree, it’s best to pay off your entire balance each month. But when that isn’t possible, balance transfer credit cards can help you get your debt under control. The strategy is simple: transfer your debt from a high-interest card to one with 0% introductory APR, and you’ll pay off what you owe sooner.

The Discover it® 18 Month Balance Transfer Offer is our favorite balance transfer card for several reasons. 1) It offers extra-long 0% intro APR to pay off what you owe interest-free. 2) It also has great rewards potential, with 5% back on rotating categories and 1% on everything else. 3) Its first-year bonus for new customers is one of the best out there: Discover will match the cash back you earn at the end of your first year, automatically.

Card Highlights

Card Highlights Provided by Discover: You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.

Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.

Redeem your cash back for any amount, any time. Cash rewards never expire.

100% U.S. based customer service.

Get your FICO® Credit Score for free on monthly statements, on mobile and online.

No annual fee.

Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Have a large balance to transfer? If so, balance transfer fees (rather than rewards) may be your top concern. The Chase Slate® charges no fee on balance transfers made during your first 60 days (plus, you’ll get 0% intro APR on those transfers).

Each of the cards we’ll describe would be a good choice for transferring a balance — but the best fit will depend on your priorities and circumstances. Ready to find the card that works best for you? Check out our top picks for balance transfer cards that will help you knock out your debt this year.

Longest 0% Interest Period:
Discover it® 18 Month Balance Transfer Offer

The Discover it® 18 Month Balance Transfer Offer is our top pick right now. It offers an extremely long 0% intro APR period with no annual fee, so you can make a big dent in your balance without paying a dime in interest.

Discover’s popular cash back program makes it easy to earn rewards quickly. You’ll get 5% cash back in rotating categories like gas, restaurants, and online shopping (up to the quarterly maximum), plus 1% back on all other purchases. Amazon shoppers will be happy to learn they can apply Discover cash back instantly at checkout.

This card also includes an amazing offer for new cardmembers: automatic, dollar-for-dollar match of all cash back earned at the end of your first year. All told, the Discover it® 18 Month Balance Transfer Offer strikes a great balance between a rewards card and a balance transfer card.

Card Highlights Provided by Discover: You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.

Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.

Redeem your cash back for any amount, any time. Cash rewards never expire.

100% U.S. based customer service.

Get your FICO® Credit Score for free on monthly statements, on mobile and online.

No annual fee.

Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Best for Large Balances:
Chase Slate®

The Chase Slate® is also worth a look, especially if you’re looking to transfer a large balance. In addition to extended intro APR, it offers $0 intro balance transfer fees. If the balance you’re looking to transfer has crept into the hundreds or even thousands, your savings with the Chase Slate® could be significant. (Note: to get the $0 balance transfer fee, you’ll need to transfer your balance within 60 days of opening your account. Transfers after that period will be subject to a fee of 5% or $5, whichever is greater.)

One caveat to keep in mind: you won’t be able to transfer a balance from another Chase account to the Chase Slate®. Your balance transfer must come from a card backed by another bank, like Bank of America or Discover. The Chase Slate® doesn’t include a rewards program, so it will work best for tackling your existing debt. Use it to pay off your balance quickly— then consider making the switch to a card with a rewards program.

$0 Introductory balance transfer fee for transfers made during the first 60 days of account opening

0% Introductory APR for 15 months on purchases and balance transfers

Monthly FICO® Score and Credit Dashboard for free

No Penalty APR – Paying late won't raise your interest rate (APR). All other account pricing and terms apply

$0 Annual Fee

Great Signup Bonus:
Chase Freedom®

In addition to a generous intro APR period, the Chase Freedom® offers access to a popular rewards program. Like the Discover it 18 Month Balance Transfer Offer, this card features rotating 5% cash back categories that change quarterly. There’s also an easy-to-earn $150 signup bonus — all with no annual fee.

If you happen to have the Chase Sapphire Preferred® Card, the Chase Freedom® is a no-brainer: Chase Ultimate Rewards® points are transferrable between the two cards, so you can earn rewards even faster while you’re paying off your transferred balance!

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate

Unlimited 1% cash back on all other purchases – it's automatic

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum

Enjoy new 5% categories every 3 months

Cash Back rewards do not expire as long as your account is open

No annual fee

Best Rewards for Everyday Purchases:
Blue Cash Everyday® Card from American Express

Want a balance transfer card that will double as an excellent everyday card even after you pay your balance off? The Blue Cash Everyday® Card from American Express hits all the marks.

In addition to extended 0% intro APR, it offers a rewards program that aligns well with most people’s spending habits. Cardmembers earn 3% cash back on up to $6,000 per year at U.S. supermarkets per year (then 1%), 2% cash back at U.S. gas stations and at select U.S. department stores, and 1% cash back on everything else. Additionally, the $100 signup bonus is easy to earn — just spend $1,000 in purchases in your first three months. And there’s no annual fee!

Our Verdict

$100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

No annual fee.

3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).

2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.

Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.74% to 24.74%.

Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.

Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.

Terms Apply.

See Rates & Fees

Honorable Mention:
Barclaycard Ring™ Mastercard®

Everyone loves a good rewards program. But if you have a large balance, balance transfer costs and terms should take precedence when choosing your new card. Most balance transfer credit cards charge a fee of 3-5% per transfer — but the Barclaycard Ring™ Mastercard® is different. It offers a rare combination of features that make it an especially powerful tool for paying down high balances.

Why the Barclaycard Ring™ Mastercard® is Best for Large Balances

No balance transfer fees
Some cards offer $0 balance transfer fees for a set period after you open your account. But the Barclaycard Ring™ Mastercard® doesn’t charge them at all.

Extended 0% intro APR on balance transfers and purchases
This will give you more time to make a dent in your balance interest-free. And if you need to make a large purchase, you can save on interest there too (as long as you pay off the total amount during the intro APR period). Note: you’ll need to transfer your balance in the first 45 days to secure the 0% intro APR.

While the Barclaycard Ring™ Mastercard® doesn’t offer a rewards program, it’s very effective as a debt-elimination tool. In addition to $0 balance transfer fees, it has no annual fee, so you can transfer balances within your first 45 days without an upfront cost.

Our Verdict

0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.74%

No balance transfer fees

No foreign transaction fees

Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad

Free online access to FICO® Credit Score

The Best Way To Use A Balance Transfer Card

Let’s say you have a high balance to transfer and don’t want to get hung up on the fees charged by most cards. The Chase Slate® is the only card on my list that doesn’t have any fees for transferring a balance for the first 60 days of account opening. If you need as long as possible to pay down your debts, you may want to consider a different balance transfer card with a longer timeline.

Also, balance transfer cards extend the 0% APR offer to balance transfers and purchases. These cards simply offer more flexibility to manage your cash flow and pay down debt without donating your money to high interest payments. So, you can use a balance transfer offer to make a large purchase at 0% APR, then use the promotional period to pay it off over time. The best 0% balance transfer cards will usually offer 0% on new purchases for at least 6 months.

This is obviously to incentivize people to keep spending on the cards, but if you’re not in debt, you can take advantage of it. Maybe you want to buy a couch, pay a medical bill, or tackle a home renovation project.

Other reasons to get a balance transfer card:

Consolidate your debts or get rid of cards with fees

Upgrade your credit card to earn more rewards

Add a card with great service and amenities

If your credit is good and you’re in this camp you should check out my reviews of the best rewards credit cards, best cash back credit cards, or best travel credit cards.

Research More Balance Transfer Credit Cards

Our team also created a directory of the most popular balance transfer credit cards available today. This directory was used as a starting point for my research and analysis. It is updated weekly to reflect any new changes to balance transfer offers, to add new cards, and to remove any expired deals.

The balance transfer credit cards directory is customized to highlight the most important features for balance transfer credit cards. It includes every credit card that has a 0% intro APR on balance transfers and rates each offer based on a number of key factors.

Balance Transfer Credit Card Directory

In order to value each of these cards, certain features were balanced accordingly based on overall importance to the prospective cardholder. The most relevant features for balance transfer credit cards are Balance Transfer Fee, Introductory Balance Transfer APR, Ongoing APR, and Annual Fee.

Obviously the biggest feature is having a 0% intro APR. You can also use the directory to filter by signup bonus or ongoing rewards if those are features that are more important to you.

Rating Methodology

To come up with a list of top balance transfer credit cards, I used the information shown in the directory above in addition to other data gathered on each credit card. For a better explanation of what was analyzed, I’ve included additional details below. Sometimes the terminology in the credit card world can be a bit confusing, so take a look if you’re unsure of anything.

Balance Transfer Fee

Credit card companies usually charge a fee of up to 3% when you transfer a balance to a new card. This means that if you transfer a $10,000 balance, you will pay an extra $300 to the credit card company. Even some of the best balance transfer credit cards on this list charge this fee.

The Balance Transfer Fee carries high importance because it can likely cost you a decent amount of money. However, depending on the card you choose, the fee may be worth it to get a few extra months of zero interest.

The Chase Slate® does not have a balance transfer fee for the first 60 days of account opening, making it the top choice on my list. The Discover it® has an industry-leading intro offer of 18 months for a balance transfer, which is six months longer than any other card, including the Chase Slate®. Deciding which of these cards to commit to may come down to knowing how much you’ll transfer, so you can decide between having no fee or the longer introductory period.

Balance Transfer Intro APR

The Balance Transfer Intro APR refers to the promotional interest rate charged for transferring a balance or making new purchases. The Intro APR is 0% for the best balance transfer credit cards. Nothing higher should be considered unless you can’t get approved.

Intro APR holds a high importance level when ranking all the top balance transfer cards simply because the main reason to transfer a balance is to stop paying interest for a period of time by taking advantage of a 0% APR.

Many times, the Intro APR is also extended to new purchases, not just balance transfers. This way, you can take advantage by purchasing items and paying them off over the introductory period without accruing interest.

Balance Transfer Intro Period

The Balance Transfer Intro Period is the time frame for which the Intro APR or other promotion is valid. As I mentioned earlier, the best balance transfer credit cards will run a 0% Intro APR on a combination of balance transfers or new purchases for at least 12 months, with some offering up to 18 months.

The Intro Period is of high importance because it controls the amount of time you can start paying down a high balance without accruing interest.

3 Best Car Insurance Companies for 2017

Have you been car insurance shopping lately? Then you know that the auto insurance market is packed with companies boasting clever taglines, annoying jingles and little reptile mascots. But beneath the advertising hype, is there really much of a difference between the top players in the industry? (See also: How to Find the Right Car Insurance.)

Actually, as it turns out, there is – and not just in premium costs, although those can vary a lot between companies. Some companies do a much better job with handling claims, and others excel at customer service overall. Some companies offer more policy and vehicle coverage options. The bottom line is that you need to shop around to find the best car insurance company based on your own particular needs and preferences. (See also: Tips for Cheaper, Better Car Insurance.)

That said, a few companies rise to the top across the board, with high marks in customer satisfaction, competitive rates, easy claims processing and overall convenience in managing your policy. So before you sign up for a new car insurance policy in 2017, check out what's available from these top companies.

1. Amica Mutual Insurance Company

If you're scratching your head over the first name on the list, it's because Amica definitely lacks the name recognition of some of the other insurance companies. At number 22 in terms of size, it's not the largest company, but Amica comes out on top when it comes to customer satisfaction according to J.D. Power’s satisfaction survey, with perfect scores in four out of seven categories.

Amica also offers the broadest selection of vehicle and driver coverage of the companies on this list as well as prices near or at the bottom for comparable policies. And as a mutual insurance company, it doesn't have shareholders looking for dividends – premium surpluses are shared with policyholders. It is worth noting that Amica's mobile app offering is not as robust as some of the larger companies, in case that's a deal-breaker for you.

2. State Farm Insurance

State Farm is the largest auto insurer in the country, with roughly 19% of the market. You don't get that big without doing something right. For starters, it's extremely easy to manage your policy – you can call an agent (there are 18,000 of them), use online chat or even use the convenient Pocket Agent app. The shopping experience is pretty painless, too.

State Farm offers great discount programs, including the Drive Safe & Save, which can knock 50% off your premium based on your driving behavior as measured by your OnStar, SYNC system or mobile device. The company also has excellent rental car and travel expense reimbursement coverage. However, State Farm gets dinged a bit on overall claims satisfaction, where it lags behind other insurance giants.

3. Geico

Geico is known for its low premiums (and yes, the gecko). If affordability is your primary consideration and you're comfortable managing your policy online or over a mobile app, this is a great choice. Overall customer satisfaction is higher than average, as is satisfaction with the claims process.

Geico has some optional coverage choices that are pretty appealing as well, including mechanical breakdown coverage and emergency roadside assistance. There's also a hybrid product for ride-sharing drivers who don't want to have multiple policies for the same vehicle. Discount programs are available for good students and members of the military, while federal employees also get special rates. Geico prides itself on its robust mobile app offering and online tools, but if a full-service agent experience is more your style, this may not be your best choice.

How Can I Recover Data from a Dead or Erased Hard Drive?

Dear Lifehacker,

I have a hard drive with valuable information on it, but I can't seem to access it—the drive is either damaged or erased. Is there any way I can see what's on the drive and get it off?

Sincerely,
Drive Paramedic

Dear Paramedic,
Don't worry, we're not going to ask where you got the drive, but there are plenty of ways to examine it and see if any of the data is recoverable. With a little time, the right tools, and some care, you may be able to get some data off of that drive.

Step One: Assemble Your Tools and Examine The Drive's Condition

The first thing to do is make sure you have the tools required to connect this drive to another computer safely. Ideally, you'll have some kind of SATA/IDE to USB cable or USB drive enclosure or sled that you can mount the drive into and connect it to your computer easily. Sure, if you have a desktop and like getting your hands dirty you can try to install the drive as an internal one, but an external connection is faster and easier.

Next, take a look at the drive itself. Is it damaged in any way? Are the pins bent or broken? Make sure that the drive is in good enough condition to actually use before you try anything in the first place that may damage it even further. If the drive is too physically damaged to attempt recovery, you may need more drastic measures that we'll get to later. If everything looks good and you have the equipment required to connect the drive to your system, we can proceed.

Step Two: Grab Some Data Recovery Software and Connect the Drive

Before you do much else, make sure your antivirus and antimalware tools are up to date. You don't know what you'll find on this drive, and you don't want it to start misbehaving once the drive is connected to an active system. Once you've done that, it's time to download and install some data recovery tools. Here are a few we love:

Recuva (Windows, Free): Personally, Recuva has been indispensible. Made by the same folks behind CCleaner, Recuva makes data recovery simple and easy. if you're only interested in browsing and restoring selected files off of the drive, Recuva is a great option. Alternatively, check out Undelete Plus for Windows.

FileSalvage (OS X, $80): File Salvage for Mac will set you back some serious coin, but it's one of the best tools to pull data off of a connected hard drive in OS X. It can recover virtually any type of file on multiple partition types, and prides itself on its ability to recover from damaged drives and corrupt media. If you want an alternative, try Data Rescue for Mac ($100).

TestDisk (Win/OS X/Linux, Free): If you're not afraid of the command line, TestDisk is an open source utility that can run against almost any platform or partition type. It does a great job of recovering data quickly, and won't do unnecessary writes against the drive you're trying to recover from.

Bootable Linux distros for drive recovery: If you're not interested in messing around with apps (or paying for them), consider burning a bootable CD or USB key with BackTrack, Bart PE, or SpinRite on it, so you can boot to an OS that's not your primary drive, avoid writing or touching the drive you want to recover from, and run a host of recovery and forensics tools against that drive that are highly effective and completely free. Photo by Roman Soto.

A number of these tools can recover from formatted drives, especially if the data hasn't been overwritten. We've tackled this topic before, and used Knoppix as our bootable linux distro, but the steps apply to the ones we've mentioned as well. For more reading, check out this old but still largely accurate guide at Linux.com to recovering from formatted drives.

Remember, the less you work with the drive you want to recover data from, the better. As you read from the drive, you run the risk of exacerbating any damage it may have. The more you write to the drive, the more likely you are to overwrite something you want to recover. Bootable linux distros—many of which have tools like TestDisk pre-installed (among other, more advanced tools)—are the best way to go if you're familiar with the method and if you're interested in recovering entire partitions, or making a non-bootable drive bootable again. If you're just looking for files and you know the drive was in a Windows system or a Mac, a stand-alone app is an easier way to go.

Step Three: Get Out the Big Guns (and Your Wallet)

Okay, so the drive is physically damaged, has been wiped and overwritten, or nothing else you try works and you really, really need the data off of it. You're even willing to pay a lotfor it. We're not going to ask why, but at this point it's time to call in the professionals. Photo by Glenn Fleishman.

Pick up the phone and call the folks at DriveSavers and OnTrack to see what they can do for you. I've had good experiences with OnTrack. DriveSavers is well known and loved, both because they came to the rescue with free drive recovery services after September 11, 2001 and more recently helping Wired's Mat Honan recover from his epic hacking. Both companies do a superb job at pulling data even off of drives that have been formatted, overwritten, or even severely physically damaged. Keep in mind though that these services generally run in the tens of thousands of dollars thousand dollar range, according to DriveSavers (thanks for reaching out!) and higher.

If the drive is yours, or the data you get from the drive is valuable, we'd strongly suggest you make sure your data is backed up, both locally and online. After all, it's better to be able to get the data back quickly than have to jump through these hoops every time a drive fails. Remember, every hard drive will fail eventually, it's just a matter of time. Now go forth, use this knowledge for good, and recover!