docs: private static boolean verifyChecksum(final String hrp, final byte[] values) {
          byte[] hrpExpanded = expandHrp(hrp);
          byte[] combined = new byte[hrpExpanded.length + values.length];
          System.arraycopy(hrpExpanded, 0, combined, 0, hrpExpanded.length);
          System.arraycopy(values, 0, combined, hrpExpanded.length, values.length);
          return polymod(combined) == 1;
      }