var index []byte
	if opts.IndexCB != nil {
		index = opts.IndexCB()
	}

	actualSize := data.ActualSize()
	if actualSize < 0 {
		_, encrypted := crypto.IsEncrypted(fi.Metadata)
		compressed := fi.IsCompressed()
		switch {
		case compressed:
			// ... nothing changes for compressed stream.
			// if actualSize is -1 we have no known way to
			// determine what is the actualSize.
		case encrypted:

	if opts.MTime.IsZero() {
		modTime = UTCNow()
	}

	kind, encrypted := crypto.IsEncrypted(userDefined)
	actualSize := data.ActualSize()
	if actualSize < 0 {
		compressed := fi.IsCompressed()
		switch {
		case compressed:
			// ... nothing changes for compressed stream.
			// if actualSize is -1 we have no known way to
			// determine what is the actualSize.
		case encrypted: