Document:

<PAGE>

                                                                    Exhibit 10.7

                      FIRST AMENDMENT TO CREDIT AGREEMENT
                      -----------------------------------

     THIS FIRST AMENDMENT TO CREDIT AGREEMENT (herein called this "Amendment")
is made as of the 15th day of November, 2000 by and among Key Production
Company, Inc. ("Borrower"), and Bank of America, N.A. ("Agent"), and the Lenders
under the Credit Agreement referred to below.

                             W I T N E S S E T H:

     WHEREAS, Borrower, Agent, and Lenders have entered into that certain Credit
Agreement dated as of November 12, 1999 (as amended, restated, or supplemented
to the date hereof, the "Original Agreement"), for the purposes and
consideration therein expressed, pursuant to which Lenders made and became
obligated to make loans to Borrower as therein provided;

     WHEREAS, Borrower, Agent, and Lenders desire to amend the Original
Agreement for the purposes described herein;

     NOW, THEREFORE, in consideration of the premises and the mutual covenants
and agreements contained herein and in the Original Agreement, in consideration
of the loans which may hereafter be made by Lenders to Borrower, and for other
good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto do hereby agree as follows:

                                  ARTICLE I.

                          Definitions and References
                          --------------------------

     (S)  1.1.  Defined Terms.  Unless the context otherwise requires or unless
                -------------
otherwise expressly defined herein, the terms defined in the Original Agreement
shall have the same meanings whenever used in this Amendment.  As used herein,
the following terms shall have the following meanings:

     "Amendment" means this First Amendment to Credit Agreement.
      ---------

     "Columbus Acquisition" means the consummation of the transactions described
      --------------------
in the Merger Agreement.

     "Merger Agreement" means the Agreement and Plan of Merger dated as of
      ----------------
August 28, 2000 among Borrower, Key Acquisition Two, Inc., a Colorado
corporation and wholly-owned subsidiary of Borrower, and Columbus Energy Corp.,
a Colorado corporation.

     "Credit Agreement" means the Original Agreement as amended by this
      ----------------
Amendment.

                                  ARTICLE II.
<PAGE>

                          Amendments; Borrowing Base
                          --------------------------

     (S) 2.1.  Commitment Period.  The definition of "Commitment Period"
               -----------------
contained in Section 1.1 of the Original Agreement is hereby amended in its
entirety to read as follows:

               "'Commitment Period' means the period from and including the date
                 -----------------
     hereof until July 1, 2002 (or, if earlier, the day on which the obligations
     of Lenders to make Loans hereunder or the obligations of LC Issuer to issue
     Letters of Credit hereunder have been terminated or the Notes first become
     due and payable in full)."

     (S) 2.2.  Principal Payments.  Section 2.6 of the Original Agreement is
               ------------------
hereby amended in its entirety to read as follows:

               "Section 2.6.  Regularly Scheduled Principal Payments. Borrower
                              --------------------------------------
     shall repay the principal balance of the Loans in fourteen (14) quarterly
     installments, each in an amount equal to one-fourteenth (1/14) of the
     aggregate principal balance of all Loans outstanding on the last day of the
     Commitment Period. Such installments shall be due and payable on each Base
     Rate Payment Date, beginning with the first Base Rate Payment Date which
     occurs after the end of the Commitment Period and ending on the Maturity
     Date."

     (S) 2.3.  Borrowing Base. Agent and Lenders hereby notify Borrower that
               --------------
until the next Determination Date the Borrowing Base shall be $100,000,000;
provided that upon the consummation of the Columbus Acquisition, the Borrowing
Base shall be automatically increased by the Columbus Borrowing Base Amount (as
defined below) which increase shall remain in effect until the next
Determination Date without any further action on behalf of Agent or Lenders.  As
used in this section " Columbus Borrowing Base Amount" means $10,000,000;
provided, however, that such amount may be reduced by Agent and Lenders in the
event that for any reason any interest in any property reviewed by Agent and
Lenders for inclusion in the Borrowing Base is not acquired by the Related
Persons as part of the Columbus Acquisition.

                                 ARTICLE III.

                          Conditions of Effectiveness
                          ---------------------------

     (S) 3.1.  Effective Date.  This Amendment shall become effective as of the
               --------------
date first above written when Agent shall have received all of the following:

               (a)  This Amendment, duly authorized, executed and delivered by
     Borrower, Agent, and each Lender, and in form and substance satisfactory to
     Agent.

                                       2
<PAGE>

               (b)  A certificate of a duly authorized officer of Borrower dated
     the date of this Amendment certifying: (i) that all of the representations
     and warranties set forth in Article IV hereof are true and correct at and
     as of the time of such effectiveness; and (ii) as to such other corporate
     matters as Agent shall deem necessary.

               (c)  A written legal opinion of in-house counsel for Borrower,
     dated as of the date of this Amendment, addressed to Agent, to the effect
     that this Amendment has been duly authorized, executed and delivered by
     Borrower and that the Credit Agreement and each other Loan Document, as
     affected hereby, to which any Restricted Person is a party constitutes the
     legal, valid and binding obligation of each such Restricted Person,
     enforceable in accordance with their terms (subject, as to enforcement of
     remedies, to applicable bankruptcy, reorganization, insolvency and similar
     laws and to general principles of equity) and such other matters of Agent
     may require.

               (d)  Payment of fees and disbursements of Thompson & Knight
     L.L.P. relating to this Amendment and the Credit Agreement as provided in
     the Credit Agreement.

               (e)  Agent shall have additionally received such other documents
     as Agent may reasonably request.

                                  ARTICLE IV.

                        Representations and Warranties
                        ------------------------------

     (S) 4.1.  Representations and Warranties of Borrower.  In order to induce
               ------------------------------------------
each Lender to enter into this Amendment, Borrower represents and warrants on
the date hereof and as of the Effective Date to each Lender that:

               (a)  The representations and warranties contained in Article V of
     the Original Agreement are true and correct at and as of the time of the
     effectiveness hereof (except as such representations and warranties have
     been modified by the transactions contemplated herein).

               (b)  Borrower is duly authorized to execute and deliver this
     Amendment and Borrower is and will continue to be duly authorized to borrow
     monies and to perform its obligations under the Credit Agreement. Borrower
     has duly taken all corporate action necessary to authorize the execution
     and delivery of this Amendment.

               (c)  The execution and delivery by Borrower of this Amendment,
     the performance of its obligations hereunder and the consummation of the
     transactions contemplated hereby do not and will not conflict with any
     provision of law, statute, rule or regulation or of the certificate of
     incorporation and bylaws of Borrower or of any material agreement,
     judgment, license, order or permit applicable to or binding upon Borrower
     or

                                       3
<PAGE>

     result in the creation of any lien, charge or encumbrance upon any assets
     or properties of Borrower. Except for those which have been obtained, no
     consent, approval, authorization or order of any court or governmental
     authority or third party is required in connection with the execution and
     delivery by Borrower of this Amendment.

               (d)  When duly executed and delivered, this Amendment, the Credit
     Agreement, and each other Loan Document, as affected hereby, will be a
     legal and binding obligation of each Restricted Person that is a party
     hereto and thereto enforceable against such Restricted Person in accordance
     with its terms, except as limited by bankruptcy, insolvency or similar laws
     of general application relating to the enforcement of creditors' rights and
     by equitable principles of general application.

               (e)  The audited Consolidated financial statements of Borrower
     dated as of December 31, 1999 and the unaudited Consolidated financial
     statements of Borrower dated as of June 30, 2000 fairly present the
     Consolidated financial position at such dates of Borrower and the
     Consolidated statement of operations and the changes in Consolidated
     financial position for the periods ending on such dates for Borrower.
     Copies of such financial statements have heretofore been delivered to
     Agent. Since June 30, 2000, no material adverse change has occurred in the
     financial condition or business or in the Consolidated financial condition
     or business of Borrower.

                                  ARTICLE V.

                                 Miscellaneous
                                 -------------

     (S) 5.1.  Ratification of Agreements.  The Original Agreement as hereby
               --------------------------
amended is hereby ratified and confirmed in all respects. Any reference to the
Credit Agreement in any Loan Document shall be deemed to be a reference to the
Original Agreement as hereby amended. The Loan Documents, as they may be amended
or affected by this Amendment, are hereby ratified and confirmed in all
respects. The execution, delivery and effectiveness of this Amendment shall not,
except as expressly provided herein, operate as a waiver of any right, power or
remedy of Lenders under the Credit Agreement, the Notes, or any other Loan
Document nor constitute a waiver of any provision of the Credit Agreement, the
Notes, or any other Loan Document.

     (S) 5.2.  Survival of Agreements.  All representations, warranties,
               ----------------------
covenants and agreements of Borrower herein shall survive the execution and
delivery of this Amendment and the performance hereof, including without
limitation the making or granting of the Loans, and shall further survive until
all of the Obligations are paid in full. All statements and agreements contained
in any certificate or instrument delivered by Borrower hereunder or under the
Credit Agreement to any Lender shall be deemed to constitute representations and
warranties by, and/or agreements and covenants of, Borrower under this Amendment
and under the Credit Agreement.

                                       4
<PAGE>

     (S) 5.3.  Loan Documents.  This Amendment is a Loan Document, and all
               --------------
provisions in the Credit Agreement pertaining to Loan Documents apply hereto.

     (S) 5.4.  Governing Law.  This Amendment shall be governed by and construed
               -------------
in accordance the laws of the State of Texas and any applicable laws of the
United States of America in all respects, including construction, validity and
performance.

     (S) 5.5.  Counterparts.  This Amendment may be separately executed in
               ------------
counterparts and by the different parties hereto in separate counterparts, each
of which when so executed shall be deemed to constitute one and the same
Amendment.

     THIS AMENDMENT AND THE OTHER LOAN DOCUMENTS REPRESENT THE FINAL AGREEMENT
BETWEEN THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR,
CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO
UNWRITTEN ORAL AGREEMENTS OF THE PARTIES.

                                       5
<PAGE>

     IN WITNESS WHEREOF, this Amendment is executed as of the date first above
written.

                                        KEY PRODUCTION COMPANY, INC.

                                        By:_____________________________________
                                           Name:
                                           Title:
<PAGE>

                                   BANK OF AMERICA, N.A., as Agent and Lender

                                   By:__________________________________________
                                      Name:
                                      Title:
<PAGE>

                                   U.S. BANK NATIONAL ASSOCIATION,
                                   a Lender

                                   By:__________________________________________
                                      Name:
                                      Title:
<PAGE>

                                   BANK ONE, N.A., a Lender

                                   By:__________________________________________
                                      Name:
                                      Title:
<PAGE>

                                   CIBC, INC., a Lender

                                   By:__________________________________________
                                      Name:
                                      Title:
<PAGE>

                                   BANK OF OKLAHOMA, N.A., a Lender

                                   By:__________________________________________
                                      Name:
                                      Title:
<PAGE>

                                   UNION BANK OF CALIFORNIA, N.A., a Lender

                                   By:__________________________________________
                                      Name:
                                      Title:

                                   By:__________________________________________
                                      Name:
                                      Title:
<PAGE>

                                   BNP PARIBAS, a Lender

                                   By:__________________________________________
                                      Name:
                                      Title:<PAGE>

                                                                 EXECUTION COPY

                                                                EXHIBIT 10.1(h)

                               SEVENTH AMENDMENT

                                      TO

                     AMENDED AND RESTATED CREDIT AGREEMENT

          THIS SEVENTH AMENDMENT TO THE AMENDED AND RESTATED CREDIT AGREEMENT
(hereinafter referred to as the "Amendment") is being executed and delivered as
                                 ---------
of October 31, 2000 by and among Einstein/Noah Bagel Corp., a Delaware
corporation formerly known as Einstein Bros. Bagels, Inc. (as debtor-in-
possession, the "Borrower"), Einstein/Noah Bagel Partners, L.P., a Delaware
                 --------
limited partnership (as debtor-in-possession, the "Partnership", each of the
                                                   -----------
Borrower and the Partnership being hereinafter sometimes referred to
individually as a "Debtor" and hereinafter sometimes referred to collectively as
                   ------
"Debtors"), Einstein/Noah Bagel Partners, Inc., a California corporation
 -------
formerly known as Noah's New York Bagels, Inc. (the "Corporate GP", and together
                                                     ------------
with the Borrower and the Partnership, collectively, the "Credit Parties" and
                                                          --------------
each individually a "Credit Party"), Bank of America, N.A. (as successor to Bank
                     ------------
of America National Trust and Savings Association), as the "Agent" for the
Lenders (the "Agent"), General Electric Capital Corporation, as "Co-Agent" for
              -----
the Lenders (the "Co-Agent"), and the financial institutions from time to time
                  --------
party to the Credit Agreement referred to and defined below (collectively, the

"Lenders", and each individually, a "Lender").  Undefined capitalized terms
--------                             ------
which are used herein shall have the meanings ascribed to such terms in the
Credit Agreement.

                             W I T N E S S E T H:

          WHEREAS, the Borrower, the Lenders, the Agent and the Co-Agent are
parties to that certain Amended and Restated Secured Credit Agreement dated as
of November 21, 1997 (as heretofore amended and modified by that certain First
Amendment and Waiver thereto dated as of March 27, 1998, that certain Consent
thereto dated as of May 7, 1998, that certain Second Amendment thereto dated as
of October 4, 1998, that certain Third Amendment and Waiver thereto dated as of
January 29, 1999, that certain Fourth Amendment and Waiver thereto dated as of
May 15, 1999, that certain Fifth Amendment and Waiver thereto dated as of
February 29, 2000, and that certain Restated Sixth Amendment and Waiver thereto
dated as of April 27, 2000 and restated as of June 15, 2000, in each case among
such parties, collectively, the "Credit Agreement"), pursuant to which the
                                 ----------------
Lenders have agreed to provide, subject to the terms and conditions contained
therein, certain loans and other financial accommodations to the Borrower; and

          WHEREAS, in connection with the Credit Agreement, and to provide
additional security for the Borrower's obligations thereunder, each of the
Partnership and the Corporate GP executed and delivered to the Agent, for the
benefit of the Lenders, certain guaranties, security agreements, pledge
agreements and other Loan Documents;

          WHEREAS, on April 27, 2000, each of the Debtors filed with the United
States Bankruptcy Court for the District of Arizona (the "Bankruptcy Court")
                                                          ----------------
voluntary petitions for
<PAGE>

relief under Chapter 11 of title 11 of the United States Code, 11 U.S.C.
(S)(S)101 et seq. and have continued in the possession of their assets pursuant
          -- ---
to Sections 1107 and 1108 thereof;

          WHEREAS, in connection with such filings and at the Debtors' request,
the Bankruptcy Court entered a final order authorizing the Borrower to borrow
Revolving Loans and to obtain Letters of Credit in a maximum aggregate principal
amount of $36,000,000 under the Credit Agreement subject to the terms and
conditions of such order, this Amendment, and the Loan Documents;

          WHEREAS, pursuant to the Credit Agreement, such Revolving Loans and
Letters of Credit may be provided through and including the Termination Date,
after which date no additional Revolving Loans or Letters of Credit will be
available and upon which date all outstanding Revolving Loans and LC Obligations
must be repaid in full;

          WHEREAS, the Termination Date is currently defined to occur upon the
earliest of (i) December 31, 2000, (ii) the date on which a plan of
reorganization in the Case becomes effective and (iii) the stated expiry date of
the Exit Financing Commitment;

          WHEREAS, the Exit Financing Commitment expires as of the date hereof;

          WHEREAS, the Borrower has obtained a substitute exit financing
commitment from another lender subject to the approval of the Bankruptcy Court,
a copy of which commitment is attached hereto as Exhibit A (the "Replacement
                                                 ---------       -----------
Exit Financing Commitment"); and
-------------------------

          WHEREAS, the Borrower has requested that the Lenders agree, and
subject to the terms and conditions of this Amendment the Lenders have agreed,
to amend the Credit Agreement to allow for a substitution of the Replacement
Exit Financing Commitment for the existing Exit Financing Commitment and a
modification to the definitions of "Exit Financing Commitment" and "Termination
Date" to effect such substitution.

          NOW, THEREFORE, in consideration of the foregoing premises, the terms
and conditions stated herein and other valuable consideration the receipt and
sufficiency of which are hereby acknowledged by the Credit Parties, the Lenders,
the Agent and the Co-Agent, such parties hereby agree as follows:

          1.  Amendment No. 7 to Credit Agreement.  Subject to the satisfaction
              -----------------------------------
of each of the conditions set forth in Paragraph 2 of this Amendment, the Credit
                                       -----------
Agreement is hereby amended as follows (article and section references used
herein refer to those of the Credit Agreement):

          (a)   Article I is amended to delete the definitions of "Exit
                ---------
Financing Commitment" and "Termination Date" in their entirety and to replace
such definitions with the following definitions:

               "'Exit Financing Commitment' means the commitment evidenced and
     governed by that certain commitment letter dated October 26, 2000, as
     modified by that certain letter agreement dated as of November 3, 2000,
     copies of which are attached to

                                       2
<PAGE>

     that certain Seventh Amendment to this Agreement dated as of October 31,
     2000 among the Borrower, the Partnership, the Corporate GP, the Agent, the
     Co-Agent and the Lenders, as Exhibit A to such Seventh Amendment, or such
     other commitment, in form and substance satisfactory to the Agent and the
     Required Lenders, by a lender or financial institution to provide financing
     to the Borrower upon or after the confirmation of a plan of reorganization
     of the Borrower by the Bankruptcy Court pursuant to the Case, which
     financing shall be in an amount equal to or greater than $57,750,000."

               "'Termination Date' means the earliest to occur of (1) December
     31, 2000; (2) the date on which a plan of reorganization in the Case
     becomes effective, (3) the failure of the Bankruptcy Court to enter an
     order approving the Exit Financing Commitment on or before November 9, 2000
     and (4) the expiration of the Exit Financing Commitment."

          (b)   Section 6.18(g) is deleted in its entirety and replaced with the
                ---------------
following provision:

               "(g) Amend or otherwise modify the Exit Financing Commitment in
     any manner to impose additional conditions, covenants or other requirements
     upon the Borrower or its Subsidiaries or the Lenders, or to change the
     stated expiration date set forth therein to an earlier date, or to make any
     existing conditions, covenants or other requirements more onerous to the
     Borrower or its Subsidiaries or the Lenders."

          2.   Effectiveness of this Amendment; Conditions Precedent.  The
               -----------------------------------------------------
provisions of Paragraph 1 hereof shall be deemed to have become effective as of
              -----------
the date hereof, but such effectiveness shall be expressly conditioned upon the
Agent's receipt of an originally-executed counterpart of this Amendment executed
and delivered by a duly authorized officer of the Credit Parties and the
Lenders.

          3.   Representations and Warranties.  Each Credit Party hereby
               ------------------------------
represents and warrants that:

          (a)  this Amendment constitutes the legal, valid and binding
obligation of each Credit Party enforceable against such Credit Party in
accordance with its terms;

          (b)  each Credit Party's execution and delivery of this Amendment, and
its performance hereafter of the Loan Documents as modified by this Amendment,
have been duly authorized by all necessary corporate or partnership action, do
not violate any provision of its certificate of incorporation, bylaws,
partnership agreement or other organizational documents, will not violate any
law, regulation, court order or writ applicable to it, will not require the
approval or consent of any governmental agency (including, without limitation,
the approval of the Bankruptcy Court), and except as may have otherwise been
heretofore obtained, will not require the approval or consent of any third party
under the terms of any contract or agreement to which any Credit Party or any
Subsidiary or other Affiliate of any Credit Party is bound;

          (c)   no Default has occurred and is continuing or will have occurred
and be continuing and all of the representations and warranties of each Credit
Party contained in the Credit Agreement and the other Loan Documents (other than
such representations or warranties

                                       3
<PAGE>

which, in accordance with their express terms, are made only as of a specified
date) are, and will be, true and correct as of the date of the Credit Parties'
execution hereof in all material respects as though made on and as of such date.

          4.   Reference to and Effect on Credit Agreement and Other Loan
               ----------------------------------------------------------
Documents.  The Credit Agreement and each of the other Loan Documents, as
---------
amended hereby, shall remain in full force and effect and are hereby ratified
and confirmed.  Neither the execution, delivery nor effectiveness of this
Amendment shall operate as a waiver of any right, power or remedy of the Agent
or any Lender of any Default under the Credit Agreement, all of which the Agent
and the Lenders hereby expressly reserve.  The Credit Parties, the Lenders and
the Agent agree and acknowledge that this Amendment constitutes a "Loan
Document" under and as defined in the Credit Agreement.

          5.   Governing Law.  This Amendment shall be governed by and construed
               -------------
in accordance with the laws and decisions of the State of Illinois.

          6.   Agents' Expenses.  The Borrower hereby agrees that the Agent has
               ----------------
been authorized by the Borrower to charge all the reasonable out-of-pocket fees
and expenses (including, without limitation, attorneys' and paralegals' fees, it
or the Co-Agent has heretofore or hereafter incurred or incurs in connection
with the preparation, negotiation and execution of this Amendment) to the
Borrower's Account, which authorization is hereby ratified and confirmed by the
Borrower.

          7.   Reaffirmations by the Partnership and the Corporate GP.   The
               ------------------------------------------------------
Partnership and the Corporate GP, in their respective capacities as guarantors,
pledgors, grantors, contributors, or other providers of financial accommodations
under the terms of the Loan Documents (including, without limitation, under that
certain Guaranty dated as of May 17, 1996 executed and delivered by the
Corporate GP in favor of the Agent and the Lenders, that certain Guaranty dated
as of December 5, 1997 executed and delivered by the Partnership in favor of the
Agent and the Lenders, and each of the other Loan Documents to which the
Corporate GP or the Partnership is a party), hereby each reaffirms and ratifies
each of its obligations, covenants, guaranties, grants of security interests,
pledges, grants of liens and other undertakings and accommodations under the
Loan Documents to which it is a party, all of which shall hereafter remain in
full force and effect, with respect to both Pre-Petition Obligations and Post-
Petition Obligations.  Each of the Partnership and the Corporate GP hereby
further agrees to carry out each term, provision, covenant and condition of the
Credit Agreement as modified by Paragraph 1 of this Amendment.  Each of the
                                -----------
Partnership and the Corporate GP hereby agree and acknowledge it is truly and
justly indebted as a guarantor with respect to all Pre-Petition Obligations and
Post-Petition Obligations of the Borrower, without setoff, defense or
counterclaim.

          8.   Counterparts.  This Amendment may be executed in counterparts,
               ------------
each of which shall be an original and all of which together shall constitute
one and the same agreement among the parties.

                                     * * *

                                       4
<PAGE>

          IN WITNESS WHEREOF, this Amendment has been duly executed as of the
day and year first above written.

                              EINSTEIN/NOAH BAGEL CORP., as debtor and debtor-
                              in-possession

                              By: /s/ Paul A. Strasen
                                  -------------------------------------------
                                  Name:  Paul A. Strasen
                                  Title: Sr. Vice President,
                                            General Counsel & Secretary

                              EINSTEIN/NOAH BAGEL PARTNERS, L.P., as debtor and
                              debtor-in-possession

                              By: EINSTEIN/NOAH BAGEL PARTNERS, INC., as General
                              Partner

                              By: /s/ Paul A. Strasen
                                  -------------------------------------------
                                  Name:  Paul A. Strasen
                                  Title: Vice President & Secretary

                              EINSTEIN/NOAH BAGEL PARTNERS, INC.

                              By: /s/ Paul A. Strasen
                                  -------------------------------------------
                                  Name:  Paul A. Strasen
                                  Title: Vice President & Secretary

                              BANK OF AMERICA, N.A.., as the Agent

                              By: /s/ David A. Johanson
                                  -------------------------------------------
                                  Name:  David A. Johanson
                                  Title: Vice President

                              BANK OF AMERICA, N.A.., as a Lender

                              By: /s/ Michael Staunton
                                  -------------------------------------------
                                  Name:  Michael Staunton
                                  Title: Vice President

                                       5
<PAGE>

                              GENERAL ELECTRIC CAPITAL CORPORATION, as a Lender
                              and as Co- Agent

                              By: /s/ Jeff Fitts
                                  -------------------------------------------
                                  Name:  Jeff Fitts
                                  Title: Senior Risk Manager

                              LASALLE BANK NATIONAL ASSOCIATION, (as successor
                              to LaSalle National Bank), as a Lender

                              By: /s/ David C. Shapiro
                                  -------------------------------------------
                                  Name:  David C. Shapiro
                                  Title: First Vice President

                                       6

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