With today's Internet technology, you can get a student loan consolidation quickly and easily. The Internet makes research and finding great programs, easy as a few clicks of the mouse. You can learn everything you need to know from information sites that provide the latest news and data in regards to student loan consolidation. With just a few clicks of the mouse, you now can get loan quotes and compare loan companies without having to run all over town.
Student Loan Consolidation Helps Relieve Stress
Student loan consolidation can help student loan borrowers focus on their education, instead of debt. With a single new loan and lower monthly payments, you can focus on what's most important, education and your new career. There is no need to lose sleep stressing out about how you're going to pay back all those student loans. There are several agencies and companies online that can help with many resources and information to get the help you need.
Friday, August 31, 2012
Wednesday, August 22, 2012
Three Major International Business Risks You Need To Be Aware Of
Companies rapidly expanding to the global marketplace may have the great opportunities for profit, however, if unable to carefully evaluate the international business risks involve, the golden opportunity perceived may soon turn into an expensive mistake.
Doing business in the domestic marketplace may involve looking only as far as the potential customer's ability to pay and willingness to pay. When doing business internationally however, the definition of risk expands beyond customer commercial risk that includes country risk. In fact, the first thing that should be analyzed before evaluating the elements of risks associated to individual customers, is the country risk. If the country risk shows of great risk then it is senseless to continue information on the customer, but if the country risk is acceptable then the nature and extent of the country risk can help formulate the method of customer risk analysis.
International Business Risks #1 Country Risk
Approving and accepting credit to a foreign customer is also accepting the risk of the customer's country. Country risk analysis means being decisive of the country credit-worthiness in terms of the willingness and ability of a foreign government to make available to local companies' foreign exchange essential to service their foreign currency denominated responsibility or debts to foreign suppliers.
Evaluation of country risks takes into account the possibility of delayed payment or credit loss which can result from any one or a combination of four wide risk conditions such as the resource base, external accounts, political risks, and government policy. Always remember that these factors are interrelated and often overlap with each other.
International Business Risks #2 Political Risks
Analyzing the political outlook of a country maybe more important than analyzing the financial and economic matters of the country. In political risk analysis, one should look into reasonable assurance that if ever political change comes, as it always does, the change will be orderly and there will be practical continuity in basic economic and financial policies.
The possibility of suspension on external debt or even rejection should be carefully assessed. Leadership changes can also change the way in which international investment community views the economic future of the country. Wide fluctuations in currency markets can occur as well as government policies threatening to destroy investment and property of commercial investors in a country. Capital flight is inevitable usually resulting to restrictions of the country's government on the flow of currency and disruption in international trade.
International Business Risk #3 Foreign Exchange Risks
Like any other commodity, currencies also follow the law of supply and demand which is subject to economic as well as political conditions. Exchange rates can fluctuate uncontrollably, sometimes a lot of times in a day, harshly complicating a company's short-term and long-term financial strategic decisions.
The importance of analyzing international business risks should never be underestimated as all these risks have a tremendous impact on the trade of goods and services between nations and thus affecting the failure or success of a business internationally.
Doing business in the domestic marketplace may involve looking only as far as the potential customer's ability to pay and willingness to pay. When doing business internationally however, the definition of risk expands beyond customer commercial risk that includes country risk. In fact, the first thing that should be analyzed before evaluating the elements of risks associated to individual customers, is the country risk. If the country risk shows of great risk then it is senseless to continue information on the customer, but if the country risk is acceptable then the nature and extent of the country risk can help formulate the method of customer risk analysis.
International Business Risks #1 Country Risk
Approving and accepting credit to a foreign customer is also accepting the risk of the customer's country. Country risk analysis means being decisive of the country credit-worthiness in terms of the willingness and ability of a foreign government to make available to local companies' foreign exchange essential to service their foreign currency denominated responsibility or debts to foreign suppliers.
Evaluation of country risks takes into account the possibility of delayed payment or credit loss which can result from any one or a combination of four wide risk conditions such as the resource base, external accounts, political risks, and government policy. Always remember that these factors are interrelated and often overlap with each other.
International Business Risks #2 Political Risks
Analyzing the political outlook of a country maybe more important than analyzing the financial and economic matters of the country. In political risk analysis, one should look into reasonable assurance that if ever political change comes, as it always does, the change will be orderly and there will be practical continuity in basic economic and financial policies.
The possibility of suspension on external debt or even rejection should be carefully assessed. Leadership changes can also change the way in which international investment community views the economic future of the country. Wide fluctuations in currency markets can occur as well as government policies threatening to destroy investment and property of commercial investors in a country. Capital flight is inevitable usually resulting to restrictions of the country's government on the flow of currency and disruption in international trade.
International Business Risk #3 Foreign Exchange Risks
Like any other commodity, currencies also follow the law of supply and demand which is subject to economic as well as political conditions. Exchange rates can fluctuate uncontrollably, sometimes a lot of times in a day, harshly complicating a company's short-term and long-term financial strategic decisions.
The importance of analyzing international business risks should never be underestimated as all these risks have a tremendous impact on the trade of goods and services between nations and thus affecting the failure or success of a business internationally.
Sunday, August 19, 2012
Off Lease And Repo Commercial, Work Trucks And Construction Equipment For Public Sale With Dealer Leasing.
In today's present day's unbalanced economy, the start up and experienced business has a rare occasion to buy an advantageous deal for off lease and repossessed commercial, work trucks and construction equipment for auction with dealer banking. Due to a contracting market, many banks have extra inventories on their books that they want to put furnish on the street. These in-house inventories are non income producing, therefore putting strain on the bank to make a deal with the consumer. These deals can be originate in the cost, the leasing or a combination of both.
An off lease commercial vehicle and/or cementequipment has been brought back to the financial institution as the lease has termnated. The lessee has made a assessment to return the item in lieu of excercising the buyout opportunity. A repo has arisen due to a failure to pay of the lessee for non payment conditions or a breach of the provisions of the lease. Either way, the bank has taken these trucks and/or equipment back and it is necessary to put them back into working order and either retail these work, commerical trucks and construction equipment or re-lease them. The financial institution will either advertise their listing through their internal sales force or outside professionals such as brokers to reposition their inventories as fast asachievable. At times as these inventories either sit or whatever reason isn't moving, the financial institution could put these items up for sale.
For this commentary, the form of items we are going to make out as prospective deals for the patron is the following
Dump trucks, boom trucks trucks, grapple and landscape trucks, fuel and lube trucks, bucket and concrete trucks, over the road and day cabs, water trucks, tow trucks, box vans and straight trucks, dry van and drop deck trailers, conclusion and bottom dump trailers, flatbed trailers, backhoes, bulldozers, crawler tractors, forestry equipment, excavators, backhoes, and other type loaders.
A quantity of of the ways the startup and/or experienced business can obtain these deals are through trade publications, surfing internet search engines, contacting lease brokers for information and speaking to lenders directly.
A quantity of the financial institutions in the marketplace have advertised personal credit qualifications. as little as 550, former bankruptcy rules amended or overlooked and startups acceptable. In addition, the front means to commence the lease can commence as little as first payment to whatever you might able to reach a deal.
In ending, this is a buyers marketplace for commercial and work trucks, commercial trailers, and construction equipment. Check out all the opportunities in the marketplace and make sure that you have a stable income base to assume anything debt that you could occur.
Happy hunting for your commercial truck and construction equipment acquistion and its related financing.
An off lease commercial vehicle and/or cementequipment has been brought back to the financial institution as the lease has termnated. The lessee has made a assessment to return the item in lieu of excercising the buyout opportunity. A repo has arisen due to a failure to pay of the lessee for non payment conditions or a breach of the provisions of the lease. Either way, the bank has taken these trucks and/or equipment back and it is necessary to put them back into working order and either retail these work, commerical trucks and construction equipment or re-lease them. The financial institution will either advertise their listing through their internal sales force or outside professionals such as brokers to reposition their inventories as fast asachievable. At times as these inventories either sit or whatever reason isn't moving, the financial institution could put these items up for sale.
For this commentary, the form of items we are going to make out as prospective deals for the patron is the following
Dump trucks, boom trucks trucks, grapple and landscape trucks, fuel and lube trucks, bucket and concrete trucks, over the road and day cabs, water trucks, tow trucks, box vans and straight trucks, dry van and drop deck trailers, conclusion and bottom dump trailers, flatbed trailers, backhoes, bulldozers, crawler tractors, forestry equipment, excavators, backhoes, and other type loaders.
A quantity of of the ways the startup and/or experienced business can obtain these deals are through trade publications, surfing internet search engines, contacting lease brokers for information and speaking to lenders directly.
A quantity of the financial institutions in the marketplace have advertised personal credit qualifications. as little as 550, former bankruptcy rules amended or overlooked and startups acceptable. In addition, the front means to commence the lease can commence as little as first payment to whatever you might able to reach a deal.
In ending, this is a buyers marketplace for commercial and work trucks, commercial trailers, and construction equipment. Check out all the opportunities in the marketplace and make sure that you have a stable income base to assume anything debt that you could occur.
Happy hunting for your commercial truck and construction equipment acquistion and its related financing.
Friday, August 17, 2012
Long Term Payday Loans
Have you heard something about long term payday loans? Or, are there really long term payday loans? What do you think? Well, many have asked such questions and in the end most of them are left without answers. For that matter, it is then interesting to know some facts about long term payday loans, if there could be any. So read on.
Payday loans, in general, have been featured in some advertisements on the radio, television, newspaper and magazines, the Internet, and even the email. And, in recent years, payday loans have enjoyed an increased popularity as more and more loan consumers have found them to be a convenient way to obtain cash in the short term. In relation to this, several companies have experienced a high demand for payday loans from those customers who lack the credit necessary to obtain credit cards or bank accounts. For this matter, it is somehow understandable that as payday loans are considered as the convenient way to obtain cash in the short term, the idea for long term payday loans is somehow impossible. Consider the following information.
Payday loans are particularly designed as short term solutions to any kind of financial emergencies and unexpected expenses. They are not intended to serve as a long term weapon to financial issues, which most of the financial counseling firms commonly resolve. Payday loans are pretty heavily advertised even till now for the reason that companies who offer payday loans often make a very good profit on every payday loan they provide. And, as a short term loan, payday loans allow you to borrow money using your next paycheck as collateral.
In a payday loans transaction, the customer actually writes a personal check for the sum of the payday loan amount and the finance charge. The payday loans company then agrees in writing to keep the check until the loaner's next payday, which is usually about two weeks. It is noted that within this timeframe, the payday loan customer has the option to redeem the check by way of paying back the payday loan amount as well as the additional finance charges, or the payday loan company will just cash the check on the exact date dealt to by both parties.
In some instances, given that payday loans are short term and not long term loans, the transactions are usually fast. You get the money from such loans right away. And, in terms of its amount, it is a usual idea that the amount range from under two hundred dollars to five hundred dollars.
However, while payday loans can be great in an emergency, always note that there is a basic pitfall with payday loans and that is you pay far more for your money. These loans do not only charge you with very high interest, but the fact that most of the companies today offering such loans may even charge robust administrative fees for payday loans. Thus, you may end up paying more than 800 percent on a particular payday loan if you do not pay it off with your next paycheck. The problem then is that these credit services are meant to be used in the short term and only occasionally.
So, are there long term payday loans?
Payday loans, in general, have been featured in some advertisements on the radio, television, newspaper and magazines, the Internet, and even the email. And, in recent years, payday loans have enjoyed an increased popularity as more and more loan consumers have found them to be a convenient way to obtain cash in the short term. In relation to this, several companies have experienced a high demand for payday loans from those customers who lack the credit necessary to obtain credit cards or bank accounts. For this matter, it is somehow understandable that as payday loans are considered as the convenient way to obtain cash in the short term, the idea for long term payday loans is somehow impossible. Consider the following information.
Payday loans are particularly designed as short term solutions to any kind of financial emergencies and unexpected expenses. They are not intended to serve as a long term weapon to financial issues, which most of the financial counseling firms commonly resolve. Payday loans are pretty heavily advertised even till now for the reason that companies who offer payday loans often make a very good profit on every payday loan they provide. And, as a short term loan, payday loans allow you to borrow money using your next paycheck as collateral.
In a payday loans transaction, the customer actually writes a personal check for the sum of the payday loan amount and the finance charge. The payday loans company then agrees in writing to keep the check until the loaner's next payday, which is usually about two weeks. It is noted that within this timeframe, the payday loan customer has the option to redeem the check by way of paying back the payday loan amount as well as the additional finance charges, or the payday loan company will just cash the check on the exact date dealt to by both parties.
In some instances, given that payday loans are short term and not long term loans, the transactions are usually fast. You get the money from such loans right away. And, in terms of its amount, it is a usual idea that the amount range from under two hundred dollars to five hundred dollars.
However, while payday loans can be great in an emergency, always note that there is a basic pitfall with payday loans and that is you pay far more for your money. These loans do not only charge you with very high interest, but the fact that most of the companies today offering such loans may even charge robust administrative fees for payday loans. Thus, you may end up paying more than 800 percent on a particular payday loan if you do not pay it off with your next paycheck. The problem then is that these credit services are meant to be used in the short term and only occasionally.
So, are there long term payday loans?
Monday, August 13, 2012
Ordinary Income v. Capital Gains on Selling Foreclosed Property
Ordinary Income v. Capital Gains on Selling Foreclosed Property
WENDELL V. AND SHARON T. GARRISON v. COMMISSIONER
U.S. TAX COURT
December 1, 2010
Facts: Wendell Garrison, in the years under question, 1998 to 2000, was a Mortgage Broker making about ,000 a year from his mortgage business. Also during this time period he and his wife bought and sold foreclosed properties, flipping them as quickly as possible, holding them for a period averaging about four months. The Garrisons reported the income from the properties as capital gains rather than ordinary income. The IRS claimed that the properties were not bought as longer-term investments, but were merely inventory in the ongoing business of buying and quickly reselling foreclosed houses. The IRS sent a notice of deficiency stating that since this was ordinary income, self-employment taxes were also due against the earnings. The Garrisons appealed the ruling to the Tax Court
Analysis and Conclusion: Prior Court rulings have outlined the criteria for whether the buying and selling of property should be considered capital gains or ordinary income (see box below). Since the Court saw the Garrisons as buying and selling homes on an ongoing basis, rather than investing in them for the longer term, the Court considered their activities to be a Schedule C business earning ordinary business income. Therefore, they had to pay employment taxes on their selfemployment income. The ruling was in favor of the IRS.
Notes: This is a particularly timely case with the vast amount of foreclosures currently on the market. No doubt, if one of your clients dabbles in the business of buying and selling foreclosed properties, they need to understand that their activities can be considered a side business earning ordinary income.
Source: National Society of Tax Professionals: Federal Tax Alert, December 2010
WENDELL V. AND SHARON T. GARRISON v. COMMISSIONER
U.S. TAX COURT
December 1, 2010
Facts: Wendell Garrison, in the years under question, 1998 to 2000, was a Mortgage Broker making about ,000 a year from his mortgage business. Also during this time period he and his wife bought and sold foreclosed properties, flipping them as quickly as possible, holding them for a period averaging about four months. The Garrisons reported the income from the properties as capital gains rather than ordinary income. The IRS claimed that the properties were not bought as longer-term investments, but were merely inventory in the ongoing business of buying and quickly reselling foreclosed houses. The IRS sent a notice of deficiency stating that since this was ordinary income, self-employment taxes were also due against the earnings. The Garrisons appealed the ruling to the Tax Court
Analysis and Conclusion: Prior Court rulings have outlined the criteria for whether the buying and selling of property should be considered capital gains or ordinary income (see box below). Since the Court saw the Garrisons as buying and selling homes on an ongoing basis, rather than investing in them for the longer term, the Court considered their activities to be a Schedule C business earning ordinary business income. Therefore, they had to pay employment taxes on their selfemployment income. The ruling was in favor of the IRS.
Notes: This is a particularly timely case with the vast amount of foreclosures currently on the market. No doubt, if one of your clients dabbles in the business of buying and selling foreclosed properties, they need to understand that their activities can be considered a side business earning ordinary income.
Source: National Society of Tax Professionals: Federal Tax Alert, December 2010
Sunday, August 12, 2012
Impact Of Global Slowdown On Leather Exports And Remedies
Problem behind leather export industries :
Indian Leather industry is moving towards an unprecedented crisis with the slowdown of global economy. With the economies of US, Europe and Japan plummeting together, India has also witnessed fall in GDP growth from around 9% last financial year to 7% in the current financial year. It is projected to dip even further to around 5.5 % - 6% for Year 2009 10.
The leather exports sector which witnessed a growth 20% in the first half of 2009 got dented by the global slowdown in the subsequent months. The main reason is attributed to the decline in orders from Western markets, especially the US and UK. The European Union and the US are the two biggest markets for Indian leather export firms which stand at 65% and 25% respectively in terms of India's export share of Leather products.
Secondly Chinese Govt. is generously helping Chinese exporters to follow an aggressive exports policy which help them to bag the orders in the competition.
It is a matter of big concern for our Leather Industry which is mainly dependent upon its exports rather than domestic sales. Indian exports of leather is estimated at 3.5 billion INR and its domestic market is hovering around 2.5 billion INR. The main reason behind this could be that our leather industry cannot rely on its domestic market as the retail sector is still immature to sell the export products.
Leather exporters are being inextricably caught in a situation where buyers are delaying fresh orders besides delaying their payments on existing orders and on top of that they are also asking for huge discounts. It seems that if the problem is not addressed on time, it would adversely affect the small scale and tiny industries and also have an impact on big businesses, leading to job-loss and closure of units over the next few months.
It is estimated that around 2-3 lakh workers can lose their jobs in leather industry which has employed around 25 lakh total workers.
Remedies to boost leather export industries:
Need of the hour is to take proactive and logical steps to tackle the situation effectively which can only happen with the matched efforts on the part of both Government and Industry.
Mr. Habib Hussain (Chairman of leather exports council) while addressing the issue has suggested a three-pronged approach to tackle the situation.
He emphasized on creating the required infrastructure and have long-term plans,
Providing subsidized term loans to exporters who have suffered losses due to slow down
Treating US and Europe in focus markets scheme.
Innovative product designs at competitive rates.
In addition to the above, some immediate measures are needed to alleviate the plight of the leather exporters. Govt. should increase the drawback rates, reduce delays in export incentive reimbursement, Increase duty free import limit for manufacturing exporter on the % of export value, and increase weight age of leather goods under focus product scheme.
All these steps are necessary to retain the big global brands which source from India which can otherwise go to China who has cost advantage to play with.
Indian Leather industry is moving towards an unprecedented crisis with the slowdown of global economy. With the economies of US, Europe and Japan plummeting together, India has also witnessed fall in GDP growth from around 9% last financial year to 7% in the current financial year. It is projected to dip even further to around 5.5 % - 6% for Year 2009 10.
The leather exports sector which witnessed a growth 20% in the first half of 2009 got dented by the global slowdown in the subsequent months. The main reason is attributed to the decline in orders from Western markets, especially the US and UK. The European Union and the US are the two biggest markets for Indian leather export firms which stand at 65% and 25% respectively in terms of India's export share of Leather products.
Secondly Chinese Govt. is generously helping Chinese exporters to follow an aggressive exports policy which help them to bag the orders in the competition.
It is a matter of big concern for our Leather Industry which is mainly dependent upon its exports rather than domestic sales. Indian exports of leather is estimated at 3.5 billion INR and its domestic market is hovering around 2.5 billion INR. The main reason behind this could be that our leather industry cannot rely on its domestic market as the retail sector is still immature to sell the export products.
Leather exporters are being inextricably caught in a situation where buyers are delaying fresh orders besides delaying their payments on existing orders and on top of that they are also asking for huge discounts. It seems that if the problem is not addressed on time, it would adversely affect the small scale and tiny industries and also have an impact on big businesses, leading to job-loss and closure of units over the next few months.
It is estimated that around 2-3 lakh workers can lose their jobs in leather industry which has employed around 25 lakh total workers.
Remedies to boost leather export industries:
Need of the hour is to take proactive and logical steps to tackle the situation effectively which can only happen with the matched efforts on the part of both Government and Industry.
Mr. Habib Hussain (Chairman of leather exports council) while addressing the issue has suggested a three-pronged approach to tackle the situation.
He emphasized on creating the required infrastructure and have long-term plans,
Providing subsidized term loans to exporters who have suffered losses due to slow down
Treating US and Europe in focus markets scheme.
Innovative product designs at competitive rates.
In addition to the above, some immediate measures are needed to alleviate the plight of the leather exporters. Govt. should increase the drawback rates, reduce delays in export incentive reimbursement, Increase duty free import limit for manufacturing exporter on the % of export value, and increase weight age of leather goods under focus product scheme.
All these steps are necessary to retain the big global brands which source from India which can otherwise go to China who has cost advantage to play with.
Thursday, August 9, 2012
Pros and Cons of Pass/Fail College Course
The concept of rating college courses rather than grading them has a long and checkered history. The debate about whether a Pass/Fail College course is better than the traditional 4-point grading system has been recently renewed. A number of top-ranked Universities and Colleges are reintroducing the Pass/Fail system on elective and non-major classes.
The major complaint about the Pass/Fail system for college courses is that many educators feel it leads to the student not applying himself or herself to the work as diligently as they might otherwise do. Some studies do show a drop in student interest when the competitive grading system is removed. Students on the other hand feel the Pass/Fail system allows them to concentrate on favored topics while not becoming academically depressed in subjects they do not excel in. Also, a Pass/Fail ranking is not an option for college courses that are required or needed to fulfill the requirements for a Major.
One of the major concepts behind the 4-Point Grading System is the public exhibition of performance; a competition to achieve the highest possible grade. This grading system does provide a more stratified modifier on the passing grade levels. It can indicate the difference between a student that excels and one who merely manages to keep from failing the course. This lack of distinguishing between outstanding and ordinary students is why the Pass/Fail system is not universally used for indicating students' academic achievements.
Pass/Fail ratings are handled differently than grade points. Where the 4-Point system is used to determine one's Grade Point Average (GPA), Pass/Fail is usually only partially calculated in a student's overall scoring. A Pass grade, while being registered as a passing grade on the student transcript, is not used to calculate into the cumulative GPA. A Fail grade does, however, affect your GPA. They are generally entered as a 0.0 when calculating the average. This is regardless of whether you barely failed or if you made no appreciable effort in the course.
Even among proponents of the Pass/Fail system in college, they recognize that the 4-Point grading system is needful on the high school level. This helps monitor the effectiveness of the education the student is receiving and creates the GPA that helps determine scholarships and loans. In college the main focus of your education should be on career training. Having to maintain a high GPA is not as critical for placement. Regardless of the system used, the bottom line when job hunting is whether or not you have the degree, not what your GPA was.
Since there are good uses for both systems, there will always be a place for their use in the world of academics. The Pass/Fail system tends to be more popular with students as it removes some of the pressure to donate excessive time to less important subjects. Education professionals still have a higher tendency to want the 4-point system to encourage that same drive in any course taken whether it is applied to the Major requirements or not.
The major complaint about the Pass/Fail system for college courses is that many educators feel it leads to the student not applying himself or herself to the work as diligently as they might otherwise do. Some studies do show a drop in student interest when the competitive grading system is removed. Students on the other hand feel the Pass/Fail system allows them to concentrate on favored topics while not becoming academically depressed in subjects they do not excel in. Also, a Pass/Fail ranking is not an option for college courses that are required or needed to fulfill the requirements for a Major.
One of the major concepts behind the 4-Point Grading System is the public exhibition of performance; a competition to achieve the highest possible grade. This grading system does provide a more stratified modifier on the passing grade levels. It can indicate the difference between a student that excels and one who merely manages to keep from failing the course. This lack of distinguishing between outstanding and ordinary students is why the Pass/Fail system is not universally used for indicating students' academic achievements.
Pass/Fail ratings are handled differently than grade points. Where the 4-Point system is used to determine one's Grade Point Average (GPA), Pass/Fail is usually only partially calculated in a student's overall scoring. A Pass grade, while being registered as a passing grade on the student transcript, is not used to calculate into the cumulative GPA. A Fail grade does, however, affect your GPA. They are generally entered as a 0.0 when calculating the average. This is regardless of whether you barely failed or if you made no appreciable effort in the course.
Even among proponents of the Pass/Fail system in college, they recognize that the 4-Point grading system is needful on the high school level. This helps monitor the effectiveness of the education the student is receiving and creates the GPA that helps determine scholarships and loans. In college the main focus of your education should be on career training. Having to maintain a high GPA is not as critical for placement. Regardless of the system used, the bottom line when job hunting is whether or not you have the degree, not what your GPA was.
Since there are good uses for both systems, there will always be a place for their use in the world of academics. The Pass/Fail system tends to be more popular with students as it removes some of the pressure to donate excessive time to less important subjects. Education professionals still have a higher tendency to want the 4-point system to encourage that same drive in any course taken whether it is applied to the Major requirements or not.
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