Archive for June, 2008
June 30th, 2008
A lender can legitimately determine that…. (las vegas tax advantages of mortgages)
Posted in Bad Credit Mortgages by Admin
A lender can legitimately determine that you are at a higher risk of defaulting on your mortgage based on the lower down payment.
The risk is also the most important reason that many borrowers will not consider an adjustable rate mortgage.
Such correction may require a written statement to each of the above-mentioned agencies.
The mortgage lender you choose is just as crucial to the home buying process and the loan itself.
Adjustable rate mortgages are sometimes confused with graduated payment mortgages.
Higher interest rates would mean you may have to settle for a bit smaller home than you originally had planned.
requirements bond IOU Sectional
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By David Clerkin Borrowers who took out interest-only mortgages have seen the cost of servicing their loans soar by more than 70 per cent since the European Central Bank (ECB) began hiking interest comparisons 18 months ago.Interest-only loans were popular Authors *NEW* Publishers Blotter Shop enormous vending by-goods, recommended resources, and can be father in Jun. Mortgage Refinance comparisons Mortgages piece brought to you by rateempire, Posted on: 2007-06-23 ==> Refinancing your existing mortgages has various advantages related lowering the monthly payments or interest amounts paid. Sometimes invitationed material demesne shakedown, that blazon of crime is Refinance is paying off an Submitted By: Jim Olenbush on 2007-06-20 We’d amity Your Opinion: Not yet Rated Rate that exposition The crime of debit shakedown has developed absolutely a bit in that country bygone the anterior few senescence.
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Mortgage Secrets Exposed
The new book that reveals the truth behind bad credit mortgages and the banking industry.
Popularity: 34% [?]
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June 30th, 2008
The other thing to check is your current…. (henderson requirements for mortgage)
Posted in Bad Credit Mortgages by Admin
The other thing to check is your current debt and other expenses, i.
You would save money each month and be rebuilding your credit rating at the same time.
When you are applying for first time loans for a mortgage you know that your home will be the biggest piece of collateral.
To make up for the risk associated with the lower mortgage down payment, the lender can charge a higher interest rate to your loan.
Debt: The Good, The Bad And The Ugly
An article of 750 words describing the different kinds of debt and how understanding debt can help you make better decisions when making purchases with credit.
Neither a borrower, nor a lender be, cautions Shakespeare in Hamlet. The reality is, most of us carry debt. From a money management standpoint, that is not necessarily bad. Sometimes debt is good. Sometimes its downright ugly. The key is to carry the right kind of debt, and not too much of it.
Most Certified Financial Planner practitioners recommend that no more than 10 to 15 percent of a persons take-home pay go to nonmortgage debt; that is debt thats paid to student loans, car loans, personal loans, credit cards and so on. Just as important is carrying the right kind of debt.
Good Debt Good debt is generally debt that can provide a long-term financial payoff. An educational loan, either for your children or perhaps career education for yourself, is a good example. The improved earning power from the education should more than pay back the cost of the loan.
Mortgage debt is another good debt. To begin with, few consumers can afford to pay cash for a home. Also, a mortgage is good debt in the sense that a home is considered an investment, as most homes will appreciate in value over time.
The bigger issue is whether homeowners should pay off their mortgage early if they can. Say you have a 30-year mortgage and you come into an inheritance that will allow you to pay it off. Or youre thinking of paying extra toward the principal each month, which can dramatically cut down the total interest you pay. Should you?
That depends. Lets assume you can reasonably expect to earn a higher return investing the extra money than the interest rate youre paying on your mortgage. Keep in mind that the tax break you get for a mortgage decreases its real cost to you. If you have an 8 percent mortgage and youre in the 28 percent income-tax bracket, youre really only paying 5.76 percent on the loan. You probably can reasonably invest your money over time for a higher return than that, though taxes might eat away some of the difference unless you put the money into a tax-deductible retirement plan or IRA. On the other hand, if youre paying a very high mortgage rate, paying down your mortgage may be the better place for your money (consider refinancing, too).
Car loans could fit into the good or bad debt category. Borrowing to buy a car that you need to get to work is usually justified. However, unlike most homes, most cars lose value over time, often quickly.
There is such a thing as too much good debt. Busting your budget by buying the most expensive home you can possibly afford or a high-end sports car to get to work generally isnt financially wise.
Bad Debt This tends to be short-term debt in which the loan lasts longer than the item you bought with the debt, and for which there is no financial payback. Most credit card debt falls into this category. People pay for everything from dinner to toys to clothing to vacations on their credit card and theyre still paying for them long after the vacation is done or the toy is broken. Also, credit card debt tends to be very expensive18 percent or more is common.
Loans for furniture, appliances, cars and other personal needs also can be fairly expensive, though usually not as high as credit cards. Save for these items, whenever possible, and pay for them in cash.
Ugly Debt Some people would lump credit cards in this category, and it is a toss up. But weve reserved this category for the really expensive debt that comes from whats commonly called fringe banking. This includes payday loans, unsolicited loans in the mail (take this check and cash it), interest on pawned items and furniture rental (where you end up paying a lot more than if youd simply borrowed from your credit card to buy the TV set). Interest rates for some of these loans can run 25 percent to 100 percent or more.
Living with minimal debt will help create more abundance in your life and is critical to financial success. As a rough rule of thumb, many planners recommend that people
Popularity: 34% [?]
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June 29th, 2008
Adjustable rate mortgage is a fixed rate…. (risk of a mortgage in nevada)
Posted in Bad Credit Mortgages by Admin
Adjustable rate mortgage is a fixed rate mortgage that remains fixed for short periods of time and adjusts itself at the end of each such period of time.
When you check the current mortgage rate?. (rates for home equity line in nevada)
When you check the current mortgage rate make sure it is a reputable source.
This could affect any sales contracts you have negotiated based on the mortgage quote you received.
Bad Credit Mortgages
In a home equity credit line, your payments balloons at the end when you need to pay the principal amount of debt.
You will want to …
This is because you have better future i?. (rates for home loan in las vegas)
This is because you have better future if you are able to finish college; this is true in American and even in the other parts of the world.
If the homeowner can prove that the claim for money is spurious then the homeowner has an opportunity to raise his credit score.
Try and get to the total …
Whether you are searching for the best m?. (las vegas on line home loan)
Whether you are searching for the best mortgage rate of the fixed type or the best mortgage rate of the adjustable type, your comparisons will always be based on the tenure of the loan.
Bad Credit Mortgages
How To Offer Seller Financing Safely
Why offer seller financing when you sell? A higher price, a good return on your …
With a national lender you often find di?. (risk of a home loan in green valley)
With a national lender you often find diversity in the products offered as well as advanced funding capability.
These differences are frequently based on the interest rate charged the homeowner.
The ability to find home loans with bad credit can be difficult but not impossible.
Moreover, the mortgage rates are also dependent on the term of loan i.
Bad …
Do You Need Bad Credit Help
Do you need bad credit help? Are you one of thousands
Popularity: 38% [?]
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June 29th, 2008
Take the cash back on the equity you hav…. (mortgages in las vegas)
Posted in Bad Credit Mortgages by Admin
Take the cash back on the equity you have and use this to pay off high interest credit cards, liens, or collections.
Thus, Americans, even married once still continue to go to college.
This can occur when a particular loan as a cap on payments that keeps them from covering the amount of interest on the mortgage.
With a graduated payment mortgage the interest rate remains fixed while the payment amounts change.
An adjustable rate mortgage is just what its name implies-a home mortgage loan with an interest rate that is adjusted throughout the term of the loan.
Make sure you read the articles on online mortgage at the bad credit home loan lenders websites.
Whether you are searching for the best m?. (las vegas on line home loan)
Whether you are searching for the best mortgage rate of the fixed type or the best mortgage rate of the adjustable type, your comparisons will always be based on the tenure of the loan.
Bad Credit Mortgages
How To Offer Seller Financing Safely
Why offer seller financing when you sell? A higher price, a good return on your …
When you check the current mortgage rate?. (rates for home equity line in nevada)
When you check the current mortgage rate make sure it is a reputable source.
This could affect any sales contracts you have negotiated based on the mortgage quote you received.
Bad Credit Mortgages
In a home equity credit line, your payments balloons at the end when you need to pay the principal amount of debt.
You will want to …
With a national lender you often find di?. (risk of a home loan in green valley)
With a national lender you often find diversity in the products offered as well as advanced funding capability.
These differences are frequently based on the interest rate charged the homeowner.
The ability to find home loans with bad credit can be difficult but not impossible.
Moreover, the mortgage rates are also dependent on the term of loan i.
Bad …
Bad Credit Debt Consolidation Loans - Getting A Debt Consolidation Loan, Even With Poor Credit
An online debt consolidation loan allows even people with a poor credit to reduce their overall monthly payments and regain their financial footing. While there are personal loans that allow you to do this, tapping into your home’s equity is a better option.
Choosing A Loan
Refinancing your home to access your home’s equity enables you to pay off your short-term debt and write off the interest on your taxes. A line of credit won’t let you do that.
With bad credit, your interest rates will be slightly higher than a traditional mortgage, but they will be lower than a line of credit. You also have the option to refinance your loan in two years, after you have established a good credit record.
Applying To Online Lenders
Online mortgage lenders offer financing to all sorts of credit situations, including those with bankruptcy or a foreclosure in their records. Before you begin the process, take the time to research refinance options by different lenders. Compare rates and terms to find the best fit for your situation by requesting quotes.
One you have picked a lender, go ahead and apply online for the deepest discounts. Usually a lender will reduce fees or interest rates for online applications. Unlike a regular mortgage, your home equity loan will take some time to approve since the lender has to verify the value of your home.
If you believe the listed price of your home is undervalued, request an appraisal. With today’s hot real estate market, home values are rising between 5% and 50% a year.
Plan To Refinance In The Future
When you have received your home equity loan, make plans to refinance again in two years. In those two years, you can build your credit score to good by making regular payments on all your bills. You can also raise your score by closing credit card accounts with lenders.
If your lender doesn’t automatically refinance your loan, approach them with a request for a quote to refinance. Typically, your lender will give you a better than market rate. However, you still should compare quotes of other lenders to see if you can find a better finance deal.
About The Author:
Carrie Reeder is the owner of http://www.abcloanguide.com, an informational website about various types of loans. To view our list of recommended debt consolidation companies online, visit this page: http://www.abcloanguide.com/debtconsolidation.shtml
Copyright Carrie Reeder - http://www.abcloanguide.com/debtconsolidation.shtml
Popularity: 36% [?]
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June 29th, 2008
After this process you can try and quali…. (second line equity credit loan home in nevada)
Posted in Bad Credit Mortgages by Admin
After this process you can try and qualify for one of the more common and lower rated loan.
You have just seen the house of your dreams but you have had credit problems.
The Most Common Small Business Web Site Traffic Killers
Copyright 2005 John Jantsch
A prospective client asked me to view his web site and give him some advice on how to make the site better. Unfortunately, his site was such a mess it became the inspiration for this article.
One of the primary reasons to have a web site is to attract and educate visitors. However, this obvious concept seems to be lost on many web designers. The way your site is designed, whats there and whats not there, including what’s in the unseen HTML code, can have a great impact on how much traffic your site will generate.
Heres my list of the most common web site design sins and traffic killers. Use this list as you design your own site or show it to your web designer. If your web designer doesnt understand these points or dismisses them as unimportant. . .move on!
One word of warning, we are going to look under that hood of that shiny web page and see some of what makes it run from the search engine view. This is not always for the squeamish.
No title tag or meaningless title tags. Title tags are part of the HTML structure of every web page. Think of them as the informal name of the page. See for yourself. Go to http://www.ducttapemarketing.com . Look up there at the top of browser window and you will see the words - Small Business Marketing Ideas and Strategies thats the title of that page. Now right click your mouse in the page and hit view source or view page source. When you do this, you are looking at the HTML code for this page. Now, see that titleSmall Business Marketing Ideas and Strategies/title Every page has got them and they are one of the most important aspects of your web site. . .yet most people dont even use them. NOTE: While you are looking at this source code realize that this is what the search engines see. No matter what your page looks like it wont be found if this code doesnt help you get found. More on that.
Your title tags can be a great tool for getting you search engine traffic if they are combined with good page content. Notice that my title tag is not Duct Tape Marketing or the often used Welcome to My Site. My tag is Small Business Marketing Ideas and Strategies. Now, think about this for a minute. Not too many people search for Duct Tape Marketing and nobody searches for Welcome to My Site, but small business marketing, now thats another story. Most small business owners waste the effectiveness of their title tags with something like: The name of their business or our products. Use title tags and make them part of your site content. Think about what people search for in your industry and name your pages based on that.
Flash Intro pages Dont get me started on this one. You know those pages that do all this really cool animated motion graphics and then present you with an entry or splash screen. Ill admit, these are works of art and I couldnt design one if I had to, but visit http://www.superclubs.com/home.asp and do that View Source trick again and tell me if you think a search engine could tell what that page was about. Remember, search engine spiders can’t see pictures or hear sounds!
Cleverness There are lots of little things that designers like to do because they can. The question is whats it costing your site. One of my favorites is that date thing. Youve likely been to a site that publishes todays date. Perhaps there is a good reason for that but go on back to view source on one these pages and you will see the price of that little trick. This date trick adds 300-400 lines of JavaScript code at the beginning of your page. All of this makes it hard for those search engines to find your real content. Think long and hard about adding stuff that gets in the way.
No Anchor Text Hyperlinks Web site designs like to make little buttons and badges for navigation links. Now, this can be okay but this is also a place where less is more. Text with a hyperlink is easily understood by search engines. Remember, they cant see images. Help them understand what your page is all about. Even if you have images navigation, put text links at the bottom of your page with all of your navigation.
Referral Marketing - This is a text link
Contact info hidden There are some web site owners out there that dont want to be easy to contact but Im guessing thats not you. Put your address and contact information on every page and make them text. More and more people are turning to their web browser like a phone book. Lots of local address and content links can make it easier to find you in your own town.
Most important content out of order Search engines read your source code in the order they come on it. Some engines only read a small portion so you should make sure that your most important content is early on your page. Left side navigation columns, commonly found on web sites, appear at the top of the source code and could be hindering your site from receiving proper credit for the content it contains.
No use of Heading tags HTML uses a series of H or heading tags to help structure a page like an outline. H1 for the most important headings h2 for subheads and so on. Each of your pages will do well to contain a keyword rich headline, much like an ad for the page, and h1,/h1 mark-up in the code to let the search engines know that this is a really important part of the page. Then, do the same with sub sections with h2,/h2 tags. I know that most designers understand these tags when it comes to styling a page but few get the important role they play in the search engine game.
Look, there is plenty more to learn about this subject and certain aspects will change from week to week but now that you have a better understanding of how search engines view your site you can go out there and make pages that get found.
About the author:
John Jantsch is a marketing consultant based in Kansas City, Mo. He writes frequently on real world small business marketing tactics and is the creator of Duct Tape Marketing a turn-key small business marketing system. Check out his blog at http://www.DuctTapeMarketing.com/weblog.php
How To Crank Out Killer Web Copy That Sucks In Money Like Crazy! Part 2Dan LokCopyright 2005 Quick Turn Marketing International, Ltd.
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KILLER CONCEPT 6
Tell ‘em Before You Sell ‘em
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The essence of this concept is the promise of a reward just for reading the content. The lure that theres a payoff at the end that will justify the extra effort and time required to read further.
These headlines tell readers what they can accomplish and how they can do things better. Provide tips, helpful advice, or reveal some valuable, usable information and your reader will be hooked.
For example, you can use headlines such as:
* How To Remove Carpet Stains In Minutes!
* How to Make Your Stomach Flat And Hard In 30 Days!
* Do You Do Any Of These Embarrassing Things?
* 17 Stocks You Should Dump Right Away
* 12 Special Tax Strategies That Are Making Doctors Rich!
This strategy works great with service-type business. If youre a realtor, a plumber, a consultant, or whatever, I highly recommend you creating some sort of information product — a free report, a free audiocassette or videotape — that gives your prospects information.
Lets say youre a mortgage broker, you can try something like this…
Case Study 6
Warning! Do NOT Refinance or Get a Home Equity Loan Until You Have Read This Free Report That Reveals The Biggest Mistakes People Make With Their Finances and Their Mortgages!
The purpose of your FREE report is to provide enough helpful advice and establish you as a “leader” in your field. It will demonstrate to customers that they would benefit from working with you in the future when they need your products or services.
The reports deliver a non-threatening, non-salesy message that shows the prospect that you have empathy and compassion for their life and their concerns.
This empathy is the building block of trust. And once the trust is established from the first reports, then you can follow-up with phone calls or mailings to “seal the deal.”
Put yourself in your prospects shoes, when youre ready to buy… who you gonna call? (Ghostbusters?) The guy who just wants to vacuum your VISA or the guy who takes time to educate YOU?
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KILLER CONCEPT 7
An Ethical Bribe
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There’s a reason they put a “prize” in every box of Crackerjack. People are greedy. They love something extra, or something for nothing.
So make your offer as irresistible as possible! Not just compellingirresistible. Theres always something you can include in your offer that will turn a “no” into a “yes.”
Unleash the mercenary from within! Pile on the bonuses till your prospects are crushed under the weight and simply give in! Do not stop until they say, You win, take my money!
Heres a perfect example…
Case Study 7 Dan Kennedys Inner Circle Newsletter
From Dan Kennedy
I want to give you the tapes of my latest Marketing & Moneymaking Super Conference, which people paid ,487.00 each to attend, free.
FREE:
6 Audio Tapes, 8 Special Reports, 1 Book, 2 Critique Certificates, Telephone Consulting & Coaching, a veritable truckload of moneymaking information and assistance…ALL FREE…and all you have to do to get all of it is say maybe.
Have I finally lost my mind?
Dan’s newsletter only costs $ 149 a year, but look at all the FREE stuff he gives to people who subscribe.
If thats not a shameless bribe, I dont know what is. And this is an instance where you can really see why Dan Kennedy is considered the king of marketing: he makes the product (in this case the newsletter) secondary to the bribe.
This offer has worked for Dan Kennedy for many years and has brought in thousands and thousands of new subscribers.
Lesson learned: Everybody loves a good deal.
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KILLER CONCEPT 8
Bill me later/free trial offers
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This concept is similar to the ethical bribe concept. Again, youre taking the risk off the prospects shoulders and putting in right into your pocket. How’s that for trust-inspiring?
Magazines do this all the time. You simply send in a reply form saying you want to subscribe, and they bill you later.
Case Study 8 Nightingale Conant
At last! For the first time, there is a complete self-training program on the most amazing achievement technique ever discovered…
Announcing The Power of Visualization
by Lee Pulos, Ph.D.
- we invite you to try it for 30 days FREE!
This concept is wonderfully powerful, but dont overuse it. It can cheapen the value of your products.
And one more thing: Make sure the prospect believes your product is a good deal or you will get a lot of returns. The three most important words in the “Bill me later” book are: Over-deliver. Over-deliver. Over-deliver.
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KILLER CONCEPT 9
Oops… I Screwed Up
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If youre offering an incredible deal that sounds almost too good to be true, you’d better explain why. If you don’t, consumers will just assume your “too good to be true” deal is just that — a fake. They won’t walk away from your sale… they’ll run.
And in a related story: if theres a flaw in what youre selling, admit it.
Here’s an example. You bought too much inventory in the fall when business was hot, and now its winter and its the off-season for what youre selling. Don’t try and hide the truth. Tell it to the world.
Case Study 9
MY MISTAKE IS YOUR WINDFALL
Im practically giving my widgets away just to clear our Widget Warehouse
You get these one of a kind widgets at 70% off for one simple reason: I over bought in the fall, and now Ive got inventory just sitting here. If I dont sell it, Ill have to lay-off 2 of the guys in the warehouse. Rather than do that, I thought Id generate a little revenue and give you (my loyal customers) a great deal at the same time.
Being open and honest like this can boost the credibility and believability of your offer. Makes perfect sense doesn’t it?
When you admit to a flaw or take responsibility for a mistake, people perceive that youre being honest with them. People like that. And nine times out of ten, when you tell someone you’ve got a problem, they’ll want to help (if they can.) YOU like that!
I encourage you to give it a try.
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KILLER CONCEPT 10
No Wind-upJust Pitch
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Sometimes — when you have a truly great product or servicewhen you know you’ve got an unbeatable price… when you know the audience reading your ad is hungry “like the wolf” for what you have to offer — sometimes, less is more. Just make your pitch.
No gimmicks. No secrets. No stories. No excuses. No ums and ahs. No ifs, ands, or buts. Just make your case in a simple, straightforward way.
Case Study 10 John Childers Speaking Course
If youve been wondering how to make an obscene amount of money as a speaker, just as Ive done for 20 years…
Ill reveal all my strategies, step-by-step in a powerful 4-day Speaker Training course
I’ve assumed ALL the risk and taken ALL the excuses out of your way to success in what has been called “the world’s highest paid profession!”
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KILLER CONCEPT 11
Dont believe a word I say, listen to THIS guy.
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This is a relatively advanced technique. It’s called 3rd party endorsement.
Basically, instead of doing your own selling, you have someone else pitch your stuff for you. Say how fantastic you stuff is. How it has changed their lives. How your stuff is the best thing since sliced bread or flush toilets.
The best way is illustrate this concept is by showing you a headline of a lead generating ad Joe Polish placed in various carpet-cleaning magazines. Joe didn’t do the writing, himself; a carpet cleaner named Jim Wolverton wrote this free report.
Free report, nothing — it’s a great big, hairy advertorial (an advertisement in an editorial’s clothing). Wait and see.
Case Study 11 Joe Polishs Free Report
EXPOSED!
Small Town Carpet Cleaner Speaks Out And Reveals The Raw Truth About That Marketing Guy, Joe Polish, Who Advertises In This Magazine All The Time!
The whole story, or should we say “ad,” centers on how Jimbo was skeptical about Joes marketing course.
Jim didnt really believe that Joe’s course could deliver, but he was desperate so he bought the package. Of course, it blew him away and he learned a ton of stuff. Hes now making money hand over fist and is as happy as a pig in truffles. At the end, he closed by saying he wasnt paid or given anything to write this ad (letter) up about Joe Polish.
“Exposed!” is basically a LONG and DETAILED testimonial written like a feature article in a newspaper or magazine. This kind of ad theme is especially effective as a follow-up. If youre doing direct mail, this could be your 2nd or 3rd letter in your mailing sequence.
Wrapping Things Up
Can you see how these amazing concepts might work for your business?
There are probably another dozen ad themes that are commonly used. But these are the diamonds in amongst lesser gems. Ive been using these concepts successfully for many years. Other marketers have been using them for decades.
If you only use these ad themes, youll be so stinking rich you’ll need a special “Moneybags Deoderant” and have to rent a Brinks truck to get your money to the bank.
Now go out there and apply this stuff!
Dan Lok
About the author:
Dan Lok is known as “The World’s ##1 Website Conversion Expert”, with a proven track record of selling over $25.7 million dollars of merchandise and services. Dan has resuscitated copy that was previously in “critical condition” and helped his clients to double and triple their conversion rates some as much as 417%!!! More than 200 websites have been “Lok-ed” and loaded for Internet action. Go to: http://www.WebsiteConversionExpert.com
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