Buying guides 9 picks
The best AI coding tools in 2026
Claude Code wins on surface breadth, Codex wins on EU data residency, and the two biggest names in this category changed owner in 2026.
The short answer
Claude Code
9.3 /10The strongest agent for real work across the most surfaces, if you can live inside Anthropic's models
Key takeaways
- Claude Code is the best choice for sustained work because one agent runs in the terminal, VS Code, JetBrains, desktop, web and CI from the same CLAUDE.md, at EUR 15.64 per month on Pro.
- OpenAI Codex is the only tool here whose vendor documents EU data residency for the serving model, which usually decides it for an EU company.
- Cursor was acquired by SpaceX on 14 August 2026 and its plans were rebuilt on 12 October into The X Subscription, which bundles Grok and X Premium and excludes third-party models from the included usage.
- Windsurf no longer exists under that name, it was renamed Devin Desktop on 2 June 2026 after Cognition acquired it.
- Aider is the one tool we cannot recommend for new work: last commit 22 May 2026, last release v0.86.0 from 9 August 2025.
Side by side
| Rank | Product | Score | From | Best for | Strengths | Weaknesses | More |
|---|---|---|---|---|---|---|---|
| 1 | Claude Code | 9.3/10 | €15.64per user / month on Claude Pro, billed annually, converted from USD 17 | The strongest agent for real work across the most surfaces, if you can live inside Anthropic's models | Terminal CLI, VS Code, JetBrains, desktop, web and CI all run the same engine and share CLAUDE.md and MCP config | Anthropic models only, there is no open-model or local-model path | View all |
| 2 | OpenAI Codex | 8.9/10 | €18.40per user / month on ChatGPT Plus, converted from USD 20 | Teams that need documented EU data residency on the model that writes their code | Documented EU data residency on GPT-6.1 Sol, which the other vendors here do not match | Usage is shared with ChatGPT, so heavy chat use eats your coding budget | View all |
| 3 | GitHub Copilot | 8/10 | €9.20per user / month, converted from USD 10 | The cheapest credible paid entry point, and the only one with a genuinely useful free tier | EUR 9.20 per month is the cheapest credible paid plan in this comparison | Credit accounting on top of the subscription makes the monthly bill unpredictable | View all |
| 4 | Cursor | 7.6/10 | €7.36per user / month on the Plus tier of The X Subscription, converted from USD 8 | Developers who want the best agent-native editor and do not mind buying an X subscription with it | Still the most comfortable agent-native editor, Plan Mode and multi-file diffs included | Paid plans bundle X Premium features such as an ad-free timeline and a verification checkmark, which most developers did not ask for | View all |
| 5 | Cline | 8.4/10 | Free planfree and open source extension, you pay only for model usage | Anyone who wants an agent in their existing editor and full control over which model and which bill | No subscription at all, you pay inference costs and nothing else | Usage-based model billing is cheap until an agent loop runs long, and there is no spending cap by default | View all |
| 6 | Zed | 8.2/10 | €9.20per user / month on Pro, converted from USD 10 | Developers who want a fast native editor and intend to bring their own agent | Personal plan is free forever and fully usable with your own keys or an external agent | Pro includes only USD 5 of tokens, so heavy agent use becomes usage billing quickly | View all |
| 7 | Devin Desktop, formerly Windsurf | 7.2/10 | €18.40per user / month on Devin Pro, converted from USD 20 | Teams that want an agent manager rather than an editor, and knew Windsurf before the rename | Agent Client Protocol support means you can run Claude Code or Codex inside it | The product you may have bookmarked as Windsurf was renamed on 2 June 2026, so documentation and tutorials are split across two names | View all |
| 8 | JetBrains AI | 7/10 | Price on requestprice on request, JetBrains does not render AI Pro and AI Ultimate prices in its own store page | Shops already standardised on IntelliJ, PyCharm or Rider that want agents inside the IDE they pay for | Hosts Junie, Claude Agent and Codex in one chat via the Agent Client Protocol | The individual AI Pro and AI Ultimate prices are not readable on the vendor store page | View all |
| 9 | Aider | 5.8/10 | Free planfree and open source, Apache-2.0, you pay only for model usage | Scripted terminal work where you want a small, inspectable tool and no subscription | No subscription, bring any provider key including local models | Last repository commit 22 May 2026, last release v0.86.0 from 9 August 2025 | View all |
Scroll the table sideways to see every column.
- From
- €15.64
- Best for
- The strongest agent for real work across the most surfaces, if you can live inside Anthropic's models
Our take
Claude Code is a terminal CLI agent first, and the same engine now runs in a VS Code extension, a JetBrains plugin, a desktop app, the browser and CI. It reads a repo, edits files, runs commands and keeps session state across surfaces, and CLAUDE.md plus skills and hooks make team conventions enforceable. The price is Claude Pro at EUR 15.64 per month billed annually, and the Free plan does not include it. You are tied to Anthropic models, though the CLI and IDE plugins can route through Bedrock or Vertex.
Strengths
- Terminal CLI, VS Code, JetBrains, desktop, web and CI all run the same engine and share CLAUDE.md and MCP config
- Subagents, hooks and skills turn repeated review and deploy work into repeatable commands
- Usage-based tiers from Pro to Ultra rather than per-request credit accounting
- Third-party providers supported on the CLI, VS Code and JetBrains
Weaknesses
- Anthropic models only, there is no open-model or local-model path
- No free tier at all, Claude Code starts on Pro
- Terminal-first design is a real learning curve for people who have never left an IDE
- From
- €18.40
- Best for
- Teams that need documented EU data residency on the model that writes their code
Our take
Codex is the same product name across a CLI, an IDE extension, a cloud agent, the web, the desktop app, mobile, a Slack integration and an SDK, and usage is shared with your ChatGPT plan. It is the only tool in this list whose vendor documents EU data residency for the model serving it, which for an EU company is often the deciding fact. Entry is ChatGPT Plus at EUR 18.40 per month, Business is USD 20 per user per month on annual billing, and the GPT-6.1 Sol family is the sensible default.
Strengths
- Documented EU data residency on GPT-6.1 Sol, which the other vendors here do not match
- CLI, IDE extension, cloud, web, desktop, mobile, Slack and SDK, all one plan
- Approval policies and sandbox modes are configurable per project in config.toml
- Sign in with ChatGPT or with an API key, so CI and personal use can be separated
Weaknesses
- Usage is shared with ChatGPT, so heavy chat use eats your coding budget
- Model naming across Sol, Terra, Astra and Luna is hard to reason about
- The Pro tier splits into USD 100, 200 and 500 levels, which makes budgeting awkward
- From
- €9.20
- Best for
- The cheapest credible paid entry point, and the only one with a genuinely useful free tier
Our take
Copilot is an IDE extension, not an editor and not primarily a CLI, and that is the honest classification: it installs into VS Code, Visual Studio, JetBrains IDEs, Neovim and Xcode, with a CLI and a coding agent alongside. Pro costs EUR 9.20 per month and includes unlimited completions plus USD 15 of monthly credits for chat and agent work. The free plan gives 2,000 completions a month on entry-level models, which is the only free tier here that is actually usable day to day.
Strengths
- EUR 9.20 per month is the cheapest credible paid plan in this comparison
- A free tier with 2,000 completions a month that does not expire
- Installs into the editor your team already uses, no migration
- Business and Enterprise add IP indemnity, SSO and spending controls
Weaknesses
- Credit accounting on top of the subscription makes the monthly bill unpredictable
- Agent behaviour still lags the dedicated CLI agents on multi-file work
- Four consumer tiers from Free to Max at USD 100 is a confusing ladder
- From
- €7.36
- Best for
- Developers who want the best agent-native editor and do not mind buying an X subscription with it
Our take
Cursor is a standalone editor, a VS Code fork, plus a CLI, cloud agents and the Bugbot review bot. Two things changed in 2026 and both matter more than any feature: SpaceX completed its acquisition of Anysphere on 14 August 2026, and on 12 October the plans were rebuilt into The X Subscription, where Plus at USD 8, Premium at USD 30, Super at USD 100 and Ultra at USD 200 bundle Cursor with Grok and X Premium. Grok models are included. Anthropic, OpenAI and Google models are not, and cost API list price from prepaid credit on Premium and above.
Strengths
- Still the most comfortable agent-native editor, Plan Mode and multi-file diffs included
- Plus at EUR 7.36 per month is the cheapest paid tier in this list
- Cloud agents, automations and AI code review in one product
- Legacy Pro, Pro+, Ultra and Teams plans keep working for existing customers
Weaknesses
- Paid plans bundle X Premium features such as an ad-free timeline and a verification checkmark, which most developers did not ask for
- Third-party models are excluded from the included usage and billed separately at API list price
- Plus is limited to Grok models with no cloud agents
- Ownership moved to SpaceX in August 2026, so model and roadmap decisions now sit with one AI lab
- From
- Free plan
- Best for
- Anyone who wants an agent in their existing editor and full control over which model and which bill
Our take
Cline is an open-source extension, Apache-2.0, that turns VS Code into an agentic coding environment, with a CLI, a desktop app and an SDK alongside. There is no seat fee and no subscription: you bring an API key from Anthropic, OpenAI, Google, OpenRouter, Bedrock, Vertex, Groq, Cerebras or DeepSeek and pay the provider directly. Release v4.1.26 landed on 26 October 2026 and the repository was pushed to on the day we checked, so this is a live project, not a hobby.
Strengths
- No subscription at all, you pay inference costs and nothing else
- Works with almost any provider, including local and open models, so no vendor lock-in
- Apache-2.0 and actively developed, v4.1.26 on 26 October 2026
- Enterprise tier exists when you need SSO, SCIM, audit logs and VPC deployment
Weaknesses
- Usage-based model billing is cheap until an agent loop runs long, and there is no spending cap by default
- The JetBrains extension sits behind the Enterprise tier
- You own the configuration work that a bundled product would do for you
- From
- €9.20
- Best for
- Developers who want a fast native editor and intend to bring their own agent
Our take
Zed is a standalone editor written in Rust, not an extension and not a CLI, and its distinguishing move is that the Personal plan is free forever with unlimited use of your own API keys or external agents such as Claude Code and the Codex CLI. Pro at EUR 9.20 per month adds Zed-hosted models with USD 5 of tokens included and usage billing beyond that. Business is USD 30 per seat per month for org-wide AI policies and spend visibility, with no minimum seat count.
Strengths
- Personal plan is free forever and fully usable with your own keys or an external agent
- Genuinely fast, a Rust editor with GPU rendering rather than another Electron fork
- Business has no minimum seat count, which small teams rarely get
- Multiplayer collaboration is built in rather than an extension
Weaknesses
- Pro includes only USD 5 of tokens, so heavy agent use becomes usage billing quickly
- The extension ecosystem is far smaller than VS Code's
- Business seats bundle no fixed AI credit allotment
- From
- €18.40
- Best for
- Teams that want an agent manager rather than an editor, and knew Windsurf before the rename
Our take
Windsurf no longer exists as a brand: windsurf.com now resolves to Devin Desktop, after Cognition acquired Windsurf in 2025 and renamed the editor on 2 June 2026. What you install today is an IDE that doubles as a command centre for agents, local or cloud, connected over the Agent Client Protocol. Free is USD 0 with a light quota, Pro is EUR 18.40 per month, Max is USD 200, and Teams is USD 80 per month plus USD 40 per full developer seat for up to 100 users. The default model is Cognition's own SWE-2.
Strengths
- Agent Client Protocol support means you can run Claude Code or Codex inside it
- Teams pricing is a flat platform fee plus per-seat, which is unusually readable
- You can attach your existing ChatGPT plan instead of buying more quota
- Free tier includes unlimited tab completion and inline edits
Weaknesses
- The product you may have bookmarked as Windsurf was renamed on 2 June 2026, so documentation and tutorials are split across two names
- Teams billing is a USD 80 platform fee on top of seats, which is a surprise for a five-person shop
- Cognition has now absorbed two editors into one brand, so roadmap continuity is a fair question
- From
- Price on request
- Best for
- Shops already standardised on IntelliJ, PyCharm or Rider that want agents inside the IDE they pay for
Our take
JetBrains AI is a plugin layer inside JetBrains IDEs, not a separate editor, and in 2026 it became an agent host rather than just an assistant: Junie is JetBrains' own agent, and Claude Agent and Codex run inside the same chat through the Agent Client Protocol. Bring-your-own key and bring-your-own subscription are both supported, and completion runs on JetBrains' own models at no AI credit cost. The individual AI Pro and AI Ultimate list prices are not rendered in the vendor's store page, so we treat them as price on request.
Strengths
- Hosts Junie, Claude Agent and Codex in one chat via the Agent Client Protocol
- Bring your own API keys and subscriptions, explicitly no vendor lock-in
- Code completion uses JetBrains models and consumes no AI credits
- SOC 2 Type 2 certification, and JetBrains Air Basic governance is free
Weaknesses
- The individual AI Pro and AI Ultimate prices are not readable on the vendor store page
- Credit-based quotas are harder to budget than a flat usage tier
- Only useful if you are already inside a JetBrains IDE
- From
- Free plan
- Best for
- Scripted terminal work where you want a small, inspectable tool and no subscription
Our take
Aider is a terminal CLI pair programmer, Apache-2.0, that maps a repository, edits files and commits with sensible messages, and it works with almost any provider because you supply the key. It is also the one tool here with a maintenance problem worth stating plainly: the last commit to the repository was on 22 May 2026 and the last tagged release, v0.86.0, is from 9 August 2025. The homepage still recommends Claude 3.7 Sonnet and GPT-4o. The design is good, the pace has stopped.
Strengths
- No subscription, bring any provider key including local models
- Automatic git commits with readable messages, easy to review and revert
- Small and inspectable, which matters if you need to audit what the tool does
Weaknesses
- Last repository commit 22 May 2026, last release v0.86.0 from 9 August 2025
- Documentation recommends model generations that are two years old
- No team features, no governance, no managed option
Short answer
Claude Code is the best AI coding tool in 2026 for people doing sustained work on a real codebase, because the same agent runs in the terminal, VS Code, JetBrains, a desktop app, the browser and CI while sharing one CLAUDE.md and one MCP configuration. OpenAI Codex is the better answer for an EU company, because it is the only tool here whose vendor documents EU data residency for the serving model. GitHub Copilot is the cheapest credible paid entry at EUR 9.20 per month and the only usable free tier. Cline is the answer if you refuse a subscription.
What each of these tools actually is
Almost every article about this category gets the categories wrong, so here is the table first.
| Tool | What it is | Other surfaces | Default model | Bring your own key |
|---|---|---|---|---|
| Claude Code | Terminal CLI agent | VS Code, JetBrains, desktop app, web, mobile, GitHub Actions, Slack | Anthropic Claude models | Yes, on CLI, VS Code and JetBrains, including Bedrock and Vertex |
| OpenAI Codex | CLI agent and cloud agent | IDE extension, web, desktop, mobile, Slack, SDK | GPT-6.1 Sol family | Yes, sign in with an API key instead of ChatGPT |
| GitHub Copilot | IDE extension | CLI, coding agent, code review | Entry models on Free, selectable on paid | No, models are selected inside Copilot |
| Cursor | Standalone editor, a VS Code fork | CLI, cloud agents, Bugbot review, mobile | Grok models | Third-party models at API list price from prepaid credit |
| Cline | Open-source VS Code extension | CLI, desktop app, cloud, SDK | None, you choose | Yes, this is the point of it |
| Zed | Standalone editor written in Rust | None, it is the editor | Zed-hosted models on Pro | Yes, and unlimited on the free Personal plan |
| Devin Desktop, formerly Windsurf | Standalone IDE and agent manager | Devin Cloud, CLI, review | Cognition SWE-2 | Yes, including attaching your ChatGPT plan |
| JetBrains AI | Plugin layer inside JetBrains IDEs | None, it lives in the IDE | Junie, plus Claude Agent and Codex via ACP | Yes, keys and subscriptions |
| Aider | Terminal CLI pair programmer | None | None, you choose | Required, there is no hosted option |
Three of those rows are the ones people get wrong. Copilot is an extension, not an editor. Cursor is an editor, not an extension. Cline is an extension that behaves like an agent, which is why it competes with the CLI tools rather than with Copilot.
Two things changed in 2026 that invalidate most comparisons
Cursor belongs to SpaceX. Cursor's own blog records the acquisition on 14 August 2026, and on 12 October the plans were rebuilt into The X Subscription: Plus at USD 8, Premium at USD 30, Super at USD 100 and Ultra at USD 200, each bundling Cursor with Grok and with X Premium features including a verification checkmark and an ad-free timeline. Grok models are included in the usage pool. Anthropic, OpenAI and Google models are not, and are billed at API list price from prepaid credit on Premium and above. The old Hobby, Pro and Pro+ plans still work for existing customers as legacy plans.
Windsurf is now Devin Desktop. Cognition acquired Windsurf in 2025, and on 2 June 2026 the editor was renamed. Today windsurf.com resolves to Devin Desktop, and the product is positioned as an agent command centre with an IDE around it rather than an editor with AI bolted on. If you are reading a Windsurf tutorial written before June 2026, it is describing this product under a name that no longer exists.
The best AI coding tools in 2026, ranked
1. Claude Code, EUR 15.64 per month
A terminal CLI agent, and the same engine behind a VS Code extension, a JetBrains plugin, a desktop app, the web app and GitHub Actions. The reason it ranks first is continuity: a session can start in the terminal and continue in the desktop app, and the repository's CLAUDE.md, skills, hooks and MCP servers apply identically on every surface. Entry is Claude Pro at EUR 15.64 per month billed annually, and the Free plan does not include Claude Code at all. Max is USD 100, Ultra is USD 200, Team standard seats are USD 20 per seat per month on annual billing.
The honest limit is model choice. You get Anthropic models, and nothing else, although the CLI and IDE plugins can route through Amazon Bedrock or Google Vertex.
2. OpenAI Codex, EUR 18.40 per month
One product name across a CLI, an IDE extension, a cloud agent, the web, the desktop app, mobile, Slack and an SDK, with usage shared against your ChatGPT plan. Codex earns second place on one fact that matters disproportionately in Europe: OpenAI's own Codex documentation states EU data residency support on GPT-6.1 Sol. No other vendor in this list documents the equivalent.
Entry is ChatGPT Plus at EUR 18.40 per month, with Go at USD 8 below it and Business at USD 20 per user per month on annual billing for two or more users. The downside of a shared quota is that heavy chat use eats your coding budget.
3. GitHub Copilot, EUR 9.20 per month
An IDE extension for VS Code, Visual Studio, JetBrains, Neovim and Xcode, with a CLI and a coding agent beside it. Pro at EUR 9.20 per month is the cheapest credible paid plan here, and the Free tier gives 2,000 completions a month on entry-level models, which is the only free tier in this comparison you could actually work with.
Above Pro, the ladder is Pro+ at USD 39 with USD 70 of monthly credits and Max at USD 100 with USD 200 of credits. That credit accounting on top of a subscription is the main complaint, because the monthly number is not the monthly bill.
4. Cursor, EUR 7.36 per month
The most comfortable agent-native editor, and now the most complicated purchase. Plus at EUR 7.36 per month is the cheapest paid tier in this list, but it is limited to Grok models with no cloud agents, and every paid tier bundles X Premium consumer features. If you want Claude or GPT models inside Cursor, you need Premium at USD 30 or above and you pay API list price on top from prepaid credit.
For a developer who works in Grok models and also wants an X subscription, the bundle is good value. For a team standardised on Claude or GPT, the effective price is the tier plus metered third-party usage.
5. Cline, free extension plus model usage
An Apache-2.0 VS Code extension with a CLI, desktop app and SDK, pushed to on the day we checked and shipping v4.1.26 on 26 October 2026. There is no seat fee. You bring a key from Anthropic, OpenAI, Google, OpenRouter, Bedrock, Vertex, Groq, Cerebras or DeepSeek, or point it at a local model, and you pay the provider. For anyone who wants agentic editing without a subscription, or who needs to keep inference inside their own cloud account, this is the answer. Budget carefully: there is no default spending cap on a long agent loop.
6. Zed, EUR 9.20 per month
A standalone Rust editor with GPU rendering, and the most honest free plan in this comparison: Personal is free forever with unlimited use of your own API keys or external agents such as Claude Code and the Codex CLI. Pro at EUR 9.20 adds Zed-hosted models with USD 5 of tokens included. Business is USD 30 per seat per month with no minimum seat count, which small teams almost never get offered. The trade is a much smaller extension ecosystem than VS Code.
7. Devin Desktop, formerly Windsurf, EUR 18.40 per month
An IDE that doubles as an agent command centre, speaking the Agent Client Protocol so you can run Claude Code or Codex inside it. Free gives a light quota with unlimited tab completion, Pro is EUR 18.40, Max is USD 200, and Teams is USD 80 per month plus USD 40 per full developer seat for up to 100 users. The default model is Cognition's SWE-2. The USD 80 platform fee on top of seats is the surprise in that structure for a small shop.
8. JetBrains AI, price on request
A plugin layer, not an editor, and in 2026 an agent host: Junie alongside Claude Agent and Codex in one chat through the Agent Client Protocol, with bring-your-own keys and subscriptions explicitly supported and completion running on JetBrains models at no credit cost. We cannot publish a price, because the individual AI Pro and AI Ultimate figures are not rendered in JetBrains' own store page. What is published is JetBrains Air, the governance layer: Basic free, Business at USD 20 per seat per month, Enterprise on request.
9. Aider, free plus model usage
A well-designed terminal pair programmer under Apache-2.0, and the one tool here we cannot recommend for new work. The last commit to the repository was 22 May 2026 and the last tagged release, v0.86.0, is from 9 August 2025. The homepage still recommends Claude 3.7 Sonnet and GPT-4o. If you already run it in a script that works, keep it. If you are choosing today, Cline does the same job on a live codebase.
Which AI coding tool has a free tier that is actually usable?
Three, and only three. GitHub Copilot Free gives 2,000 completions a month on entry-level models. Zed Personal is free forever and does not limit you at all if you bring your own key or an external agent. Cline has no subscription by design, so the extension is free and you pay only for inference. Cursor Free, Codex Free and Devin Free all exist but are sampling quotas. Claude Code has no free tier.
Which one can you run with your own API key?
Cline and Aider require it. Zed Personal is built around it. Claude Code supports third-party providers on the CLI, VS Code and JetBrains, including Bedrock and Vertex. Codex accepts an API key instead of a ChatGPT sign-in. JetBrains AI accepts both keys and subscriptions. Cursor allows third-party models at API list price from prepaid credit on Premium and above. GitHub Copilot is the outlier: model choice happens inside Copilot, not through your own key.
For an EU team the shortlist narrows fast. Documented EU data residency points at Codex. Keeping inference inside your own cloud account points at Cline, Zed Personal or Claude Code through Bedrock or Vertex in an EU region.
We compare the two tools people argue about most in Cursor vs Claude Code, the full Claude Code profile with every tier is at Claude Code, and if you are also choosing where the work gets tracked, see the best project management software for small teams.
Vendors: prices here were read from your own pages on 11 November 2026. If something has changed, send the primary source through get listed and we will date the correction.
Weekly, Thursday morning, Central European Time.
The Thinking briefing
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Questions and answers
What is the difference between a CLI agent, an AI editor and an AI extension?
Which AI coding tool can I use with my own API key?
Is Cursor still independent?
Which AI coding tool is cheapest?
Sources
- [1] Claude Code overview, surfaces and installation accessed 2026-11-11
- [2] Claude plans and pricing, USD converted at 1 USD = 0.92 EUR accessed 2026-11-11
- [3] Cursor pricing, The X Subscription tiers accessed 2026-11-11
- [4] Cursor models and pricing, usage pools and third-party models accessed 2026-11-11
- [5] Cursor blog, Cursor is now a part of SpaceX, 14 August 2026 accessed 2026-11-11
- [6] GitHub Copilot plans and pricing accessed 2026-11-11
- [7] Devin plans and pricing, the destination of windsurf.com accessed 2026-11-11
- [8] Devin Desktop, the former Windsurf editor accessed 2026-11-11
- [9] ChatGPT and Codex pricing accessed 2026-11-11
- [10] Codex CLI documentation, install and sign-in options accessed 2026-11-11
- [11] Codex manual, models and EU data residency accessed 2026-11-11
- [12] Zed pricing, Personal, Pro and Business accessed 2026-11-11
- [13] Aider, AI pair programming in your terminal accessed 2026-11-11
- [14] Aider repository, last commit 22 May 2026 and release v0.86.0 accessed 2026-11-11
- [15] AI in JetBrains IDEs, agents, BYOK and SOC 2 accessed 2026-11-11
- [16] JetBrains Air plans and pricing accessed 2026-11-11
- [17] Cline pricing, free extension with usage-based inference accessed 2026-11-11
- [18] Cline repository, Apache-2.0, release v4.1.26 on 26 October 2026 accessed 2026-11-11
