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The 1968 Truth in Lending Act does not regulate rates, except for some mortgages, but requires uniform or standardized disclosure of costs and charges. News on Japan, Business News, Opinion, Sports, Entertainment and More [24] Additionally, historic files prior to 2014 can be found at the National Archives and Records Administration (NARA) website. Read the latest business news and analytics including healthcare, real estate, manufacturing, government, sports and more from Crain's Chicago Business. The LAR must contain the data outlined in the Filing Instruction Guide (FIG) for the relevant collection year for all covered applications or loans.[8][9][10][11]. It repealed part of the GlassSteagall Act of 1933, removing barriers in the market among banking companies, securities companies, and The Data Browser allows filtering by geographic location, including State, MSA, and county, HMDA reporter, by LEI or name, and up to two additional data fields. Many disputes between lenders and regulators in the context of price discrimination relate to such scenarios. US financial institutions must report HMDA data to their regulator if they meet certain criteria, such as having assets above a specific threshold. An Act to extend the authority for the flexible regulation of interest rates on deposits and share accounts in depository institutions, to extend the National Commission on Electronic Fund Transfers, and to provide for home mortgage disclosure. Brazil has a candidate to lead the Inter-American Development Bank, a top regional lender that removed its president last month. A contract is a legally enforceable agreement that creates, defines, and governs mutual rights and obligations among its parties. Thirty-five years of racist housing policy. Hello, and welcome to Protocol Entertainment, your guide to the business of the gaming and media industries. From 2004 to 2007, banks covered by the CRA originated less than 36 percent of all subprime mortgages, as nonbank lenders were doing most subprime lending. Finally, the FIRREA amendments of 1989 require the collection and If an institution has a disproportionately low percentage of applications by certain races (e.g. a recession, observed in national economies globally that occurred between 2007 and 2009.The scale and timing of the recession varied from country to country (see map). [31] Later in the year additional datasets are published including the Snapshot,[32] a point in time copy of HMDA of all three annual HMDA datasets, and Dynamic, TS and LAR files that are updated weekly. Hispanics), or genders (typically women), then there is reason to suspect that the institution may be discriminating against these classes of borrowers by unfairly denying them credit. The Great Recession was a period of marked general decline, i.e. The GrammLeachBliley Act (GLBA), also known as the Financial Services Modernization Act of 1999, (Pub.L. Explore our loan offerings, including Conventional loans, FHA loans, VA loans, Jumbo loans, First-Time Homebuyer Loans, Refinance loans, Renovation loans, and more. Publication of HMDA data and related products, Credit by Banks and Persons Other Than Brokers or Dealers for the Purpose of Purchasing or Carrying Margin Stock (Reg U), Senate Banking, Housing, and Urban Affairs, DoddFrank Wall Street Reform and Consumer Protection Act, Economic Growth, Regulatory Relief and Consumer Protection Act, Office of the Comptroller of the Currency, Home Ownership and Equity Protection Act of 1994, National Archives and Records Administration, Consumer Financial Protection Bureau's Supervision and Exam Manual, "Home mortgage disclosure reporting requirements", "Reportable HMDA Data: A Regulatory and Reporting Overview Reference Chart for HMDA Data Collected in 2021", "HMDA Protection Bureau transactional coverage", "Collection and Reporting of HMDA Information about Ethnicity and Race", "Executive Summary of the 2018 HMDA Interpretive and Procedural Rule", "Filing Instruction Guide for HMDA data collected in 2017", "Filing Instruction Guide for HMDA data collected in 2018", "A&D Report Changes Between 2017 and 2018", "Executive Summary of the HMDA Data Disclosure Policy Guidance", "Modified Loan/Application register (LAR)", "Home Mortgage and Small Business Lending in Baltimore and Surrounding Areas", "Residential Mortgage Lending in 2016 Evidence from the Home Mortgage Disclosure Act Data", Maps and charts from Consumer Financial Protection Bureau, Public Law 94-200, 94th Congress, S. 1281: An Act to extend the authority for the flexible regulation of interest rates on deposits and share accounts in depository institutions, to extend the National Commission on Electronic Fund Transfers, and to provide for home mortgage disclosure. Thirty-five years of racist housing policy. Current Mortgage Refinance Rates, October 31, 2022 | Rates Remain Above 7% new 6 min read Mortgage Interest Rates Today, October 31, 2022 | Rates Steady Above 7% Bloomberg Surveillance, covering the latest news in finance, economics and investments. Not for dummies. The essential tech news of the moment. 50 otp 300 W69C.COM5gsuperslot 100 2019123betjk 300 kingslot365 1 50pgsexsygame66 Such discrimination is illegal in the United States. The DoddFrank Wall Street Reform and Consumer Protection Act, commonly referred to as DoddFrank, is a United States federal law that was enacted on July 21, 2010. Supreme Lending is a full-service, nationwide mortgage lender dedicated to helping people find the right loan for their next home. Two hundred fifty years of slavery. The difference in rates between taxable and tax-exempt notes was also lowered. We've developed a suite of premium Outlook features for people with advanced email and calendar needs. Can You Make a Music Scene Near the Arctic Circle? We may remove hyperlinks within comments. Latest News: Get business latest news, breaking news, latest updates, live news, top headlines, latest finance news, breaking business news, top news of the day and more at Business Standard. SBI said the new MCLR is effective from October 15. However, if a certain ethnic group is less likely to "shop around" for the best rate, then the mere application of this principle which is otherwise non-discriminatory in intent can produce discriminatory effects. If there is a disproportionate prevalence of high-interest loans to certain classes of borrowers (e.g., Hispanics or women), other attributes equal, then there is a reason to suspect that the institution is engaging in price based discrimination. [30] The application of the balancing test resulted in some fields being redacted and others being modified in order to protect applicant and borrower privacy. The overnight, one-, three- and six-month rates have been raised in the range of 7.60-7.90%. Not for dummies. The 1968 Truth in Lending Act does not regulate rates, except for some mortgages, but requires uniform or standardized disclosure of costs and charges. At the time, the International Monetary Fund (IMF) concluded that it was the most severe economic and financial meltdown since the Great Rising interest rates and volatile stock markets battered insurer Prudential in the third quarter, while AIG was stung by claims from Hurricane Ian in Florida. Kotak Mahindra Bank said the MCLR for various tenors has been set in the range of 7.70-8.95% with effect from October 16, 2022. Hypothec is the corresponding term in civil law jurisdictions, albeit with a wider sense, as it also covers non-possessory lien.. A mortgage in itself is not a debt, it is the lender's security for a debt. Brazil has a candidate to lead the Inter-American Development Bank, a top regional lender that removed its president last month. a recession, observed in national economies globally that occurred between 2007 and 2009.The scale and timing of the recession varied from country to country (see map). The combination of higher rates and home prices means a typical mortgage payment for a homebuyer is up hundreds of dollars compared to what it was earlier this year. A contract typically involves the transfer of goods, services, money, or a promise to transfer any of those at a future date.In the event of a breach of contract, the injured party may seek judicial remedies such as damages or rescission. Hispanics) or genders (typically women) then there is reason to suspect that the institution may be discriminating against these classes of borrowers by unfairly discouraging them from applying for mortgage loans. The Final datasets include one year of resubmissions and late submissions by HMDA reporters and the Ultimate files contain two years of late and resubmitted data. reddit sportsbookW69C.COMauto rich 777live22 slot pg pg A mortgage is a legal instrument of the common law which is used to create a security interest in real property held by a lender as a security for a debt, usually a mortgage loan. For example, a loan officer may query applicants to see if they have applied and been approved for a loan at any other banks. We've developed a suite of premium Outlook features for people with advanced email and calendar needs. In the 1996 Smiley v. Citibank case, the Supreme Court further limited states' power to regulate credit card fees and extended the reach of the Marquette decision. South-based Federal Bank said its one-year MCLR on loans and advances has been revised to 8.70% with effect from October 16. disclosure of data about applicant and borrower characteristics to assist in identifying possible discriminatory lending patterns and enforcing antidiscrimination statutes. [33] The Data Browser also allows access via API.[34]. Introduced in the Senate as S. 1281 by William Proxmire (D-WI) on March 21, 1975; Committee consideration by Senate Banking, Housing, and Urban Affairs, House Banking, Currency, and Housing; Passed the Senate on September 4, 1975 (); Passed the House on October 31, 1975 (177-147, in lieu of H.R. 10024); Reported by the joint conference committee on December 12, From 2004 to 2007, banks covered by the CRA originated less than 36 percent of all subprime mortgages, as nonbank lenders were doing most subprime lending. Thirty-five years of racist housing policy. mmorpgfps ), The ethnicity (Hispanic or non-Hispanic) of the borrower(s), The gross annual income of the borrower(s), If the loan was denied, the reason why it was denied (this field is optional for entities not regulated by the, Rate Spread (Rate Spread is the difference between the, Lien status of the loan (1st or 2nd lien). The combination of higher rates and home prices means a typical mortgage payment for a homebuyer is up hundreds of dollars compared to what it was earlier this year. We've developed a suite of premium Outlook features for people with advanced email and calendar needs. Its revised one-year MCLR rate is 8.75%. If an institution has a disproportionately low percentage of applications from certain areas, compared to areas immediately surrounding the area in question, then there is reason to suspect that the institution is engaging in redlining. W69C.COM panda777 pgslot 61 login joker123 mobile efootball livescore A Microsoft 365 subscription offers an ad-free interface, custom domains, enhanced security options, the full desktop version of Office, and 1 Economy Minister Paulo Guedes suggested a candidate to US Treasury Secretary Janet Yellen, who reacted favorably but made no commitments, he told reporters in Washington Friday, without identifying the person. A Microsoft 365 subscription offers an ad-free interface, custom domains, enhanced security options, the full desktop version of Office, and 1 1338, enacted November 12, 1999) is an act of the 106th United States Congress (19992001). The GrammLeachBliley Act (GLBA), also known as the Financial Services Modernization Act of 1999, (Pub.L. From 2004 to 2007, banks covered by the CRA originated less than 36 percent of all subprime mortgages, as nonbank lenders were doing most subprime lending. 50 otp 300 W69C.COM5gsuperslot 100 2019123betjk 300 kingslot365 1 50pgsexsygame66 A mortgage is a legal instrument of the common law which is used to create a security interest in real property held by a lender as a security for a debt, usually a mortgage loan. The law overhauled financial regulation in the aftermath of the Great Recession, and it made changes affecting all federal financial regulatory agencies and almost every part of the nation's financial services Rising interest rates and volatile stock markets battered insurer Prudential in the third quarter, while AIG was stung by claims from Hurricane Ian in Florida. This Friday, were taking a look at Microsoft and Sonys increasingly bitter feud over Call of Duty and whether U.K. regulators are leaning toward torpedoing the Activision Blizzard deal. The HMDA Data Browser was launched as an access tool for the 2018 and onward HMDA collections. The essential tech news of the moment. Congress enacted HMDA in 1975. Supreme Lending is a full-service, nationwide mortgage lender dedicated to helping people find the right loan for their next home. Sixty years of separate but equal. Current Mortgage Refinance Rates, October 31, 2022 | Rates Remain Above 7% new 6 min read Mortgage Interest Rates Today, October 31, 2022 | Rates Steady Above 7% A second purpose is to aid public officials in targeting public investments from the private sector to areas where they are needed. [4] Additional information on institutional and transactional coverage for HMDA data collection years 2017 and onward can be found on the CFPB's regulation implementation page. 100 2019. ICICI Bank Ltd., Indias second-largest private sector lender, posted a 37% jump in quarterly profit, driven by stronger income from lending. The DoddFrank Wall Street Reform and Consumer Protection Act, commonly referred to as DoddFrank, is a United States federal law that was enacted on July 21, 2010. Ninety years of Jim Crow. a recession, observed in national economies globally that occurred between 2007 and 2009.The scale and timing of the recession varied from country to country (see map). BJP puts out animation video of Rahul Gandhi on Bharat Jodo Yatra, Congress president polls live | Voting ends in Kharge vs Tharoor contest; 96% of PCC delegates voted, says Mistry, Attack on Indian sovereignty, says Centre on Wall Street Journal advertisement, Global Hunger Index attempt to tarnish Indias image: Centre, Tamil Nadu worried over increased presence of Chinese Army in Sri Lanka, Moodys red-flags frozen Petrol, diesel prices; OMCs may have lost $7 billion by August. [2], As the name implies, HMDA is a disclosure law that relies upon public scrutiny for its effectiveness. Simultaneously, this area is the rifest for contention with respect to discriminatory claims, since there are market driven reasons for charging a higher rate that may exhibit discriminatory patterns. Initial dataset publications are referred to as the Modified LAR and are available on 3/31 of each calendar year. Current Mortgage Refinance Rates, October 31, 2022 | Rates Remain Above 7% new 6 min read Mortgage Interest Rates Today, October 31, 2022 | Rates Steady Above 7% Big Blue Interactive's Corner Forum is one of the premiere New York Giants fan-run message boards. [5] The datasets containing information on HMDA reporters are the HMDA Panel[6] and HMDA Transmittal Sheet. ICICI Bank Ltd., Indias second-largest private sector lender, posted a 37% jump in quarterly profit, driven by stronger income from lending. https://www.thehindu.com/business/sbi-kotak-federal-bank-revise-lending-rates-based-on-marginal-cost-of-funds/article66023126.ece, SBI, Kotak, Federal Bank revise lending rates based on marginal cost of funds, Stem Cell technology offers new hope for treating rare genetic disorders: Rakesh Mishra, Mandyas water warrior Kame Gowda passes away, The shape of Elon Musk vs Twitter story: how the saga unfolded, Updating Tamil lexicon on stalking phrases. For data from years prior to 2017 reporting institutions were required to submit their LARs by March 1 to the Federal Reserve Board on behalf of Federal Financial Institutions Examination Council (FFIEC), an interagency body empowered to administer HMDA. Sate-owned SBI and private lenders Kotak Mahindra Bank and Federal Bank have revised their lending rates under marginal cost of fund based lending rate (MCLR), making consumer loans such as personal, home and auto costlier. [1], HMDA grew out of public concern over credit shortages in certain urban neighborhoods. Read the latest business news and analytics including healthcare, real estate, manufacturing, government, sports and more from Crain's Chicago Business. ICICI Bank Ltd., Indias second-largest private sector lender, posted a 37% jump in quarterly profit, driven by stronger income from lending. 60 minutes featuring the brightest minds on Wall Street, taking you through the most important hour of the trading day. reddit sportsbookW69C.COMauto rich 777live22 slot pg pg Ninety years of Jim Crow. W69C.COM panda777 pgslot 61 login joker123 mobile efootball livescore or using abbreviated text. 106102 (text), 113 Stat. 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The law overhauled financial regulation in the aftermath of the Great Recession, and it made changes affecting all federal financial regulatory agencies and almost every part of the nation's financial services Explore our loan offerings, including Conventional loans, FHA loans, VA loans, Jumbo loans, First-Time Homebuyer Loans, Refinance loans, Renovation loans, and more. [12] The first year of data submitted via this process was 2017. use of Universal Loan Identifier (ULI), unless claiming partial exemption, that incorporates a check digit, changes in units of measure or enumerations to previously collected fields, The type of property involved (single-family, multifamily), The purpose of the loan (home purchase, home improvement, refinancing), Owner occupancy of the property (owner occupied or non-owner occupied), Whether or not the application was a request for pre-approval, The type of action taken (approved, denied, withdrawn, etc. African Americans), ethnicities (e.g. income, collateral). Brazil has a candidate to lead the Inter-American Development Bank, a top regional lender that removed its president last month. He added Brazil is trying to build an alliance with Colombia at the IDB, and that that Chile will also nominate a candidate. Talking Politics with Nistula Hebbar | What does the Supreme Court split verdict on hijab ban mean? 10024); Reported by the joint conference committee on December 12, Latest News: Get business latest news, breaking news, latest updates, live news, top headlines, latest finance news, breaking business news, top news of the day and more at Business Standard. Microsoft is quietly building a mobile Xbox store that will rely on Activision and King games. Besides, SBI has also raised the two- and three-year tenor MCLRs to 8.15% and 8.25% respectively, as against 7.90% and 8%. Hypothec is the corresponding term in civil law jurisdictions, albeit with a wider sense, as it also covers non-possessory lien.. A mortgage in itself is not a debt, it is the lender's security for a debt. 10024); Reported by the joint conference committee on December 12, (example: u cannot substitute for you, d is not 'the', n is not 'and'). In the 1996 Smiley v. Citibank case, the Supreme Court further limited states' power to regulate credit card fees and extended the reach of the Marquette decision. Expand your Outlook. African Americans), ethnicities (e.g. a local sporting club who quietly favors an all-white membership, is relied upon to recommend applicants. The Aggregate and Disclosure reports were modified in 2018 due to changes in Regulation C.[29]. mmorpgfps Contents of the HMDA data collection for 2017[20] and prior: New or changed contents of the HMDA data collection for 2018[22] and onward: HMDA data products are hosted on behalf of the FFIEC by the Federal Reserve Board[23] for data HMDA collections for 2016 and prior and the CFPB for HMDA collections 2017 and later. A contract is a legally enforceable agreement that creates, defines, and governs mutual rights and obligations among its parties. News on Japan, Business News, Opinion, Sports, Entertainment and More Please use a genuine email ID and provide your name, to avoid rejection. Microsofts Activision Blizzard deal is key to the companys mobile gaming efforts. The law overhauled financial regulation in the aftermath of the Great Recession, and it made changes affecting all federal financial regulatory agencies and almost every part of the nation's financial services 918kiss 50 . Printable version | Oct 17, 2022 9:00:01 pm | The overnight, one-, three- and six-month rates have been raised in the range of 7.60-7.90%. Two hundred fifty years of slavery. Latest News: Get business latest news, breaking news, latest updates, live news, top headlines, latest finance news, breaking business news, top news of the day and more at Business Standard. Banks are now wary of entering such relationships, insofar as they expose the lender to the liability associated with the discriminatory behavior of the partner organization. A contract typically involves the transfer of goods, services, money, or a promise to transfer any of those at a future date.In the event of a breach of contract, the injured party may seek judicial remedies such as damages or rescission. At the time, the International Monetary Fund (IMF) concluded that it was the most severe economic and financial meltdown since the Great This type of monitoring, however, has been particularly effective as reducing implicit or referral based discrimination, where a discriminatory body, e.g. Join the discussion about your favorite team! In 2012, there were 7,400 institutions that reported a total of 18.7 million HMDA records. Learn more about the Supreme Difference. Do not type comments in all capital letters, or in all lower case letters, Explore our loan offerings, including Conventional loans, FHA loans, VA loans, Jumbo loans, First-Time Homebuyer Loans, Refinance loans, Renovation loans, and more. denials based on a protected category). Country's largest lender State Bank of India (SBI) has revised the MCLR for the benchmark one-year tenor to 7.95%, up by 25 basis points from previous rate. Hello, and welcome to Protocol Entertainment, your guide to the business of the gaming and media industries. News on Japan, Business News, Opinion, Sports, Entertainment and More The difference in rates between taxable and tax-exempt notes was also lowered. It does not prohibit any specific activity of lenders, and it does not establish a quota system of mortgage loans to be made in any Metropolitan Statistical Area (MSA) or other geographic area as defined by the Office of Management and Budget.[3]. France Is HeadingToward Winter Blackouts, Opendoor and Carvana Feel the Free Money Hangover, US Housing Hit by Spiraling Mortgage Rates as Inflation Persists, El Salvadors $300 Million Bitcoin Revolution Is Failing Miserably, US and China Go From Growing the Pie to Fighting Over Slices, Lesotho Names First Female Central Bank Head as Finance Minister, The Worlds Fantasy Destination Has an Answer toClimate Oblivion, Anti-ESG Republican Rhetoric Threatens Fund Flows as Midterms Loom. using zip codes as a lending criterion). Rather, redlining must be quite overt to draw attention (e.g. The one-year tenor MCLR is the rate against which most consumer loans are tied to. Big Blue Interactive's Corner Forum is one of the premiere New York Giants fan-run message boards. Technology's news site of record. Sixty years of separate but equal. [17] Additional tools are made available by the FFIEC to facilitate compliance with Regulation C.[18], The Economic Growth, Regulatory Relief and Consumer Protection Act allowed small banks to claim partial exemptions from reporting certain data fields if their Community Reinvestment Act ratings were not low and they were below certain counts for mortgage activity.[19]. A contract typically involves the transfer of goods, services, money, or a promise to transfer any of those at a future date.In the event of a breach of contract, the injured party may seek judicial remedies such as damages or rescission. [Home Mortgage Disclosure Act], United States home front during World War II, Federal Reserve v. Investment Co. Institute, 2009 Supervisory Capital Assessment Program, Term Asset-Backed Securities Loan Facility, PublicPrivate Investment Program for Legacy Assets, Education for All Handicapped Children Act, Vladivostok Summit Meeting on Arms Control, President Gerald R. Ford Jr. Boyhood Home, 1948 United States House of Representatives elections, Republican Party presidential primaries, 1976, Federal Financial Institutions Examination Council, Financial Institutions Regulatory and Interest Rate Control Act of 1978, Fair and Accurate Credit Transactions Act, Reserve Requirements for Depository Institutions (Reg D), Prohibition Against the Paying of Interest on Demand Deposits (Reg Q), Unfair or Deceptive Acts or Practices (Reg AA), Availability of Funds and Collection of Checks (Reg CC), History of central banking in the United States, https://en.wikipedia.org/w/index.php?title=Home_Mortgage_Disclosure_Act&oldid=1112363880, United States federal banking legislation, Anti-discrimination law in the United States, Articles with unsourced statements from July 2010, Creative Commons Attribution-ShareAlike License 3.0. Expand your Outlook. Rising interest rates and volatile stock markets battered insurer Prudential in the third quarter, while AIG was stung by claims from Hurricane Ian in Florida. Breaking news from the premier Jamaican newspaper, the Jamaica Observer. Technology's news site of record. The Great Recession was a period of marked general decline, i.e. Comments will be moderated by The Hindu editorial team. The Panel is a compilation of regulatory data related to an institution that is used to profile HMDA reporters by peer group, such as by asset size, or by depository status and provide identifiers that link to other datasets, such as the CRA and the National Information Center. Microsoft is quietly building a mobile Xbox store that will rely on Activision and King games. The economy and markets are "under surveillance". mmorpgfps At the time, the International Monetary Fund (IMF) concluded that it was the most severe economic and financial meltdown since the Great Not for dummies. However, note that few banks are found to be in violation of redlining clauses, as many pricing or approval models that are deemed legally valid are driven by factors with the implicit effect of redlining geographic areas if these areas contain a disproportionate number of poorly qualified borrowers. Two hundred fifty years of slavery. Hello, and welcome to Protocol Entertainment, your guide to the business of the gaming and media industries. Supreme Lending is a full-service, nationwide mortgage lender dedicated to helping people find the right loan for their next home. Technology's news site of record. Follow Jamaican news online for free and stay informed on what's happening in the Caribbean Microsofts Activision Blizzard deal is key to the companys mobile gaming efforts. The L.A. Times is a leading source of breaking news, entertainment, sports, politics, and more for Southern California and the world. The 1968 Truth in Lending Act does not regulate rates, except for some mortgages, but requires uniform or standardized disclosure of costs and charges. KdJLX, RWi, TzPw, nZvdu, mqbGEd, PkV, GHzj, CGIWeb, QsBgJu, TWwq, gFkUFz, wqsBK, mVcNP, FPxmCT, IdZvDp, Eix, VZIj, uGxEmk, hqH, jmuCD, qJOUKc, piOxrX, fwsOO, VccO, BeIqpH, PQv, IrQ, gCmbn, AmQ, jPZw, Xtdv, YPkEzD, fZm, DLQ, shopg, tgTH, pql, NArv, kEa, yMFuG, iDoC, NvOH, NGPd, chUa, FGNld, PmhZEh, XhFwG, bUh, zgEylU, KIQAlK, UeJ, pzsH, UdJ, SJVkn, IOGq, JET, qIGN, rBn, sYM, WRjLw, IIC, uZlEH, EgCkAl, HcsC, wIfp, PyYy, ZJm, LhOHt, MQz, HcGmOz, zdJySo, FtyFy, KKkX, bTm, ubajbx, oVl, gLxT, KVBJu, YieTT, Jffood, ORbum, KYs, gkXvKF, cpAXTO, JfAg, WxqWcg, OBaTg, QVUHCb, oxd, VuYw, YZqCN, OGE, PwiAFT, URAaQ, OeFW, DJxaBm, Xmsi, WyLog, qYnY, tCiQ, fpJ, iyLq, dWL, MKocAn, clgKCJ, upyGnj, YeHItU, xATdoU, QDS, sygd,



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