Moral hazard is a phenomena where an insured person uses less care to prevent the occurrence for which she is protected.
What exactly does moral hazard mean?When one party in a transaction has the chance to take on additional risks that adversely impact the other side, moral hazard results. The decision is based on what offers the greatest level of benefit rather than what is morally right, hence the morality reference.
What gives rise to the moral hazard issue?When someone purchases insurance against a specific form of harm, they lose the incentive to take reasonable (effective) precautions to lower the likelihood that harm would occur. This is known as the moral hazard dilemma.
How can insurance companies lessen the influence of moral hazard?Consumer moral hazard refers to the phenomenon in which those with insurance use care services at a higher rate than those without insurance because the perceived cost of receiving care is lower than the actual cost of care.
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without proper training, gestalt therapists may: evoke catharsis without having the ability to work it through with their client. design faulty experiments. may damage the therapeutic relationship with the client. may use ready-made techniques inappropriately. all of these.
without proper training, gestalt therapists may do all of the things.
It is a type of therapy that focuses on the present moment rather than the past. Gestalt therapy is based on the premise that people are influenced by their immediate surroundings. Each person strives for personal development and balance. Gestalt therapy emphasises empathy and unconditional acceptance.
The empty chair technique and the exaggeration exercise are two gestalt therapy methodologies. The client uses the empty chair technique by sitting across from an empty chair and engaging in a dialogue as if another person or a part of themselves is sitting in the chair.
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What’s your favorite thing about being a parent?
Answer:
My mother said: "the rewards"
Explanation:
What rewards?
Where does Black Friday come from?
The term "Black Friday" was first used to describe the day after Thanksgiving in November 1951 and again in 1952 in the journal Factory Management and Maintenance.
In this instance, it refers to the custom of employees reporting sick the day following Thanksgiving in order to enjoy a four-day weekend. According to historians, the Philadelphia police started making emergency calls the day before the annual Army-Navy football game on Black Friday because their officers had to put in long shifts and deal with unpleasant weather, traffic, and other conditions. The word was first used by Philadelphia police in the 1950s to describe the mayhem that broke out the day after Thanksgiving.
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the mere exposure effect can be explained in part by group of answer choices reciprocity. operant learning. equity. classical conditioning.
The statement that the mere exposure effect can be partially accounted for by classical conditioning.
What is an example of mere exposure effect?The Mere Exposure Effect is a psychological phenomena in which people favor objects or persons just because they are familiar to them. Babies, for instance, tend to grin more at those who do.
What is exposure give example?being impacted by something or having an experience is a reality or condition: exposure, the state of being exposed to something cold/heat exposure illness or hazard exposure. exposure of children to television violence. By stating such things in public, he puts himself at risk of being mocked.
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In which sector does INF work?
Answer:
In Nepal
Explanation:
Because INF full form is International Nepal Fellowship
If you’ve been named executor in someone’s will but are not able or do not want to serve, you need to file a declination, which is a legal document that declines your designation as an executor. the contingent executor named in the will then assumes responsibility. if no contingent executor is named, the court will appoint one. a declination is filed by a(n) when he or she . when this occurs, a contingent takes over the responsibilities.
When an executor decides not to serve, he or she files a declination. When this happens, a contingent executor assumes control of the duties.
What exactly does "executor" mean?A person's estate is handled by an executor after their death. A testator frequently names an executor before passing away, or a court may do so. The main responsibility is to carry out the decedent's desires in accordance with directives stated in their will or trust agreements.
A number of the components of the Executor Framework are utilized to effectively handle several threads. It was made available with JDK 5, which is used to run the Runnable objects without constantly establishing new threads and by primarily reusing the threads that have previously been established.
Is having one executor or two executors preferable?Although most wills name just one person as the executor, it is also possible to include two or more co-executors. The majority of attorneys recommend appointing only one executor since it reduces the likelihood of disagreements, although there are several circumstances when co-executors may be appropriate.
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How does AICPA define independence?
Answer:
Independence of mind is the state of mind that permits a member to perform an attest service without being affected by influences that compromise professional judgment, thereby allowing an individual to act with integrity and exercise objectivity and professional skepticism.
Explanation:
please make my answer as brainelist
To be regarded as independent, the auditor must be objectively truthful and free from all obligations to the client, its owners, management, or management organization.
What does accounting ethics mean by independence?Independence is defined as consisting of two components: "Independence of mind" and "Independence of appearance" in the most recent version of the IESBA Code of Ethics. Still, honesty, objectivity, and skepticism are included in the definition of the former.
The definition of independence is as follows: A member must be in a mental condition known as independence of mind in order to perform an attest service with sincerity, objectivity, and professional skepticism. The member is qualified to provide attest services because of this mental state, which is free from any conditions that can compromise professional judgment.
Why is impartiality crucial in accounting?The profession of auditing is built on the independence of the auditor. An impartial, trustworthy, and morally upstanding audit lends credibility to a corporation and enables the general public to have faith in the veracity of the findings and the ethics of the accounting profession.
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fatima was uncomfortable when a stranger sat very close to her on the bus, but when an attractive classmate moved closer to her to see what she was writing, she was delighted. this behavior falls under which category of nonverbal communication?
This behavior falls under which category of proxemics nonverbal communication.
The signs and messages we offer to others using our private and social space are referred to as proxemics in nonverbal communication. We determine these signs and signals based on the situation, like work or school, or how close the relationships are to us. These messages may be picked up by us consciously or unconsciously. Levels of intimacy with others nearby or around us are communicated through proxemics.
Standing further apart from someone can convey to them that they don't feel particularly secure with them. By moving closer, we communicate to a partner that we desire attention. By maintaining a safe space between ourselves and other people, we can show that we are uncomfortable around someone.
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A republic is a form of government where
Answer:
People hold power but they elect representatives to exercise or use that power.
Explanation:
What’s your biggest hope for your children?
The biggest hope for the children are to be happy, success, beneficial, and rescpected by others.
HappyThe first big hope for the children is to live happily. A happy life is to live with enough, whatever they want they can get it. Then, grow together with the right partner. So that they will not be sad because of a broken heart or face a divorce that weighs half to death. In whatever way the children choose, to live happily will always be the first hope for the children by the parents.
SuccessOne of the factors that create happiness is success. As parents, we try to provide the best education for the children, so that they can have provisions for their lives in the future. When children are equipped with extensive knowledge, their future will be seen as someone who is honorable and dignified. Not just wanting something that others can be proud of, but as parents, we just want the children to have a path to success and ease in their own lives.
BeneficialAs parents, we also have big hope for the children to be useful for others. To educate children so that they can have the awareness to be useful for those around them must be done as early as possible. Caring, empathy, sharing, not something that can be ordered. But it can only arise from the heart itself. To have it takes quite a long time, depending on the process, upbringing, and how parents shape the children's character.
Respected by othersMany parents end up forcing their children to do something, decide something, buy something, and several other things just for the sake of wanting their child to be respected by others. Actually, there is a simpler way than all of that, that is respecting others. You have to work on being able to stand on your own two feet and try to prove to others that you are worthy of respect too. Thus, actually how we are valued depends on how we value other people.
So, those are the biggest hopes for the children. Hopefully as parents we can educate children according to what they aspire to.
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When Apple introduced the Apple Il personal computer in 1977, industry analysts predicted that very few would be sold. However, when the product was made available, consumers who were young, highly educated, adventuresome, and well-informed began buying them. While those buyers were relatively few in number, marketers such as IBM and Compaq were encouraged because other, less adventuresome consumers, like businesspeople would likely adopt personal computers later. Based on the diffusion of innovation concept, those first buyers of personal computers were? a. early adopters. b. early majority. c. innovators. d. product leaders. e. diffusion leaders
When Apple intro-duced the Apple Il personal com-puter in 1977, industry analysts predict-ed that very few would be sold. How-ever, when the product was made avail-able, consumers who were young, high-ly educated, adventure-some, and well-informed began buy-ing them.
While those buyers were relat-ively few in number, market-ers such as IBM and Compaq were encou-raged because other, less adventure-some consumers, like business-people would likely adopt per-sonal computers later.
Based on the diffu-sion of innovation con-cept, those first buy-ers of personal com-puters were c. innovators.
Who are innovators ?An innovator is a per-son who can create new ideas, met-hods, or prod-ucts. These indivi-duals might also deve-lop new iterations on pro-ducts that have al-ready been created.
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What could be a reason why prejudice cannot be ended?
What would be a reaonable concluion to draw about the correlation between tandard of living and a country with an abundance of oil that ue it profit to help citizen of a country? *
A. Oil production doe not impact the tandard of living in a country. B. The tandard of living ha not been improved becaue oil ha not raied the GDP per capital in thoe countrie. C. Oil ha created a limited amount of job for the people increaing the unemployment rate. D. The tandard of living ha been improved due to better education, healthcare, road, and technology
The oil and fuel enterprise helps millions of American jobs, provides decrease power charges for consumers, and ensures our strength security.
How does oil affect a country's economy?The fee of oil influences the fees of different production and manufacturing across the United States. For example, there is a direct correlation between the fee of gas or plane gasoline to the fee of transporting items and people. A drop in gas fees potential lower transport expenses and more cost effective airline tickets.
Why oil rich countries are poor?Poor governance, mismanagement of oil revenues, and acute corruption on the phase of host governments have all contributed to increasing political and economic instability and conflict in oil-producing countries—with great fees to the oil industry.
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https://brainly.com/question/503044#SPJ4Achebe devotes several pages to ekwefi’s folktale. Why do you think he chose to include the tale?.
The tales add background to Igbo culture. They also add context to the perils of doing certain things.
What is the aim of Ekwefi's narrative?To instill in Ezinma the virtues of appreciation and selflessness, Ekwefi told the narrative. How is the narrative broken up? The story is cut off when Chielo, the priestess of Agbala, cried in a high-pitched voice for Agbala to see his daughter Ezinma.
Ekwefi's folktale is about what animal?In order to explain why the tortoise shell is not smooth, Ekwefi tells Ezinma the story of the tortoise. They all hear Chielo, the priestess of Agbala, emit a high-pitched lament just as Ezinma is about to begin telling a story to Ekwefi.
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according to milton diamond, children born with conditions involving atypical sexual development . . .
According to Milton diamond, children born with conditions involving atypical sexual development have less likely to experience later gender confusion or adjustment issues, If genital-altering surgeries are avoided in early childhood .
The child has unusual genitalia when their gender is unclear at birth (ambiguous genitalia). This indicates that there is some ambiguity regarding the genitalia's gender. Families may have a difficult time dealing with atypical genitalia.
Several sexual development issues include Chromosome sex Turner Syndrome, Klinefelter Syndrome, and 45,X/46,XY gonadal dysgenesis are examples of DSDs. Patients with Turner syndrome and Klinefelter syndrome typically do not have genital ambiguity when they first present. Ovotesticular disorder, XX sex reversal, and XY sex reversal are additional DSDs.
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What term identifies interactions that are intimate, personal, caring and fulfilling?
Marriage
Kinship
Primary group
Primary relationship
The term that identifies interactions that are intimate, personal, caring and fulfilling is Primary relationship.
What is Primary relationship?Primary relationship can be described as the relationhip that do exist between people that are so close, it can be seen as the relationship that involves the caring as well as meeting the needs of each other.
It should be noted that this relationship can entails the process of intimacy that can allow the parties that are affected to trust each other and can help each other in times of needs.
Therefore, the last option is correct.
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The train platform was one of the first sights that prisoners saw when they arrived at concentration camps. Even camps that were designated for killing had busy entry spaces where prisoners were sorted and directed to the gas chambers. The gate area of chelmno was not that way. Only a small number of people would ever be seen moving around in the camp. For what reason would an outsider find chelmno so quiet in comparison with other camps?.
The explanation for why Chelmno is so quiet compared to other camps is an outsider On the way to the camp, prisoners were killed in mobile gas vans.
What did Chelmno mean?Nazi German extermination camp on the Ner River, a tributary of the Warta, in German-occupied western Poland, also known as Chelmno, Polish Chelmno, or German Kulmhof. It opened in December 1941 and closed in January 1945 and was operated to execute Jews, most of whom were Polish. Some Soviet prisoners of war and more than 4,000 Roma (Gypsies) were also executed here.
Estimates of the number executed varied from 170,000 to 360,000. Chelmno started the Holocaust's deadliest chapter by carrying out the first mass Jewish executions. Its victims were from 36 villages in western Poland, including the ód Ghetto. 88 kids from the Czech town of Lidice, whose population was wiped out as a result of the assassination of Reinhard Heydrich in May 1942, were also brought to Chelmno.
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a large body of research confirms the fact that we like people who are us, at least in most cases. a. opposites of b. exactly like c. similar to d. rather different from
A large body of research confirms the fact that we like people who are similar to us, at least in most cases.
It is hardly unexpected that we favour those who are like us, and a substantial amount of evidence supports this. But the reasons we like those who have our characteristics might be nuanced. The little we know about someone, the more liking is influenced by genuine similarities.
Discovering out that they have a lot of similarities with the stranger considerably increases liking in tests where participants only read about strangers and do not actually meet them. This is because they don't have anything else to base their opinion of the stranger on.
The correct answer is option c.
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Which of the following is not among the techniques to use in dealing with youth game fans who are using "profanity"?
A) stop the game, confront the fan and ask him to behave more civilly
B) ask the game manager to eject the fan from the premises
C) report the incident to your supervisor or assigner
D) all of these are good techniques
A
This tactic is not used to deal with young sports fans who use "profanity." Instead, it is used to stop the game, address the fan, and encourage him to act more politely.
A kind of language known as profanity uses offensive concepts and phrases. Inappropriate language, gestures, and jokes are all examples of profanity. They use filthy and indecent language that is profane.
Socially inappropriate use of language is profanity, sometimes referred to as cursing, cussing, swearing, bad language, dirty language, obscenities, expletives, or vulgarism. Accordingly, using language that is occasionally seen as unfriendly, vulgar, obscene, or culturally inappropriate is known as profanity; in certain faiths, it is considered a sin.
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The fact that a trait such as height in humans varies over a wide range of values is due to.
The fact that a trait such as height in humans varies over a wide range of values is due to multiple alleles and the environmental influences on the expression of these genes.
How frequently a gene is expressed is its penetrance. It is described as the proportion of individuals that carry the gene and manifest the associated phenotype. Even though the trait is dominant or recessive and the basis for determining for such trait is present on both chromosomes, a gene with incomplete penetrance might not be expressed.
The unaffected carrier of an abnormal gene can pass it on to their offspring, who may develop the clinical abnormalities, even if the defective allele is not expressed (nonpenetrance). The genealogy tends to skip a generation in these situations. Patients with little or no expression may be thought to have a form of the illness.
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In what ways was european christianity assimilated into the native american cultures of spanish america?.
Many Spanish and indigenous people believe that the Christian god must be more powerful than the traditional gods of the Americas. Throughout the New World, millions of people were converted and baptized.
Christianity both motivated and benefited from European imperial expansion. - Catholic missionaries actively spread the Christian message outside of European communities in the Americas, Africa, and Asia.
Explorers arrived with the intent of spreading Christianity, gaining wealth from natural resources such as gold, claiming lands, and finding a shorter route to Asia. Beginning in the 16th and 17th centuries, European colonists brought Christianity to North America. Important for history.
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Myron is an employee of Nero. Either party can terminate the employment relationship at any time for any reason without liability. With respect to the employment-at-will doctrine, this is?
A. An example of doctrine.
B. An exception based on contract theory.
C. An exception based on public theory.
D. An exception based on tort theory.
Myron is an employee of Nero. Here, either party can terminate the employment relationship at any time for any reason without liability. So, with respect to the employment-at-will doctrine, this is an example of doctrine.
So, the employment at will doctrine means that an employer has the right in order to terminate an employee at any time and that to for any reason, except an illegal one, and it can also be for no reason or without incurring legal liability.
Here, if an employment is at-will, such an agreement would thus typically be expressly included in the relevant employment contract. Thus, even if an employment agreement contains an at-will provision, there are certain reasons as to why the termination could still be wrongful.
Hence, option A is correct.
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difference between intensive and subsistence farming
The given question is incomplete. The correct question should be "Find the difference between primitive subsistence farming and intensive subsistence farming". The answer is given below
Primitive Subsistence Farming
It is one of the earliest farming methods to be used because it utilises primitive tools and is carried out on a small-scale.Primitive subsistence farming is sufficient to feed the farmer and their family. It cannot fulfill all family needs. Maize, yam, potatoes and cassava are the crops grown in this type of farming This kind of farming is prominent in the thickly populated areas of the monsoon regions of the south, southeast and east Asia.Intensive Subsistence Farming
In this type of farming, the farmer cultivates a small plot of land using simple tools and intensive labour.This type of farming is used to sell the crops and gain more profit.Rice,Wheat, maize, pulses and oilseeds are the crops grown in this kind of farmingThis type of farming is very prominent in the thickly forested areas of Amazon basin, tropical Africa, parts of Southeast Asia and Northeast India.Learn about more types of farming
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In an experiment, you test whether the number of times you rub a cloth against a balloon changes how long it will stick against the wall. You start by rubbing the balloon 10 times with the cloth and stick it to the wall. You repeat this three times and record your results in a table.
A. Rubbing the balloon against a cloth 10 times produces very different results each time it is repeated.
B. The first trial is right because it is done with new materials that give the best results.
C. The second and third trials were wrong because they were very different from the first trial.
D. You would make a wrong conclusion if it were based on the first trial in the experiment.
You would make a wrong conclusion if it were based on the first trial in the experiment you repeat this three times and record your results in a table. The correct option is D.
What happens when you rub a balloon with a cloth?Positive charges attract negative charges. If a balloon is not rubbed with the wool cloth, it will attract a rubbed balloon because it has an equal amount of negative and positive charges. When both balloons are rubbed with the wool cloth, they receive negative charges and repel one another.
When you rub a balloon against a wool cloth, the balloon absorbs electrons from the wool, resulting in a negative charge on the balloon and a positive charge on the wool. Both balloons will repel each other if they are rubbed with wool and have the same charge (negative).
Thus, the ideal selection is option D.
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In a loan, the principal is the amount you have actually borrowed
True or false
The statement In a loan, the principal is the amount you have actually borrowed is; True.
What is principal?Principal can be defined as the actual amount a borrower lend from a lender. When calculating simple interest or compound interest the principal amount is often included as well as the interest rate and time.
Based on the statement is true because the principal amount represent the amount a person lend or borrow.
Therefore the statement is true.
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Jasper is just 2 weeks old. His mother strokes his cheek and he turns toward the touch and opens his mouth. This is called the _____ reflex.
Jasper is just 2 weeks old. His mother strokes his cheek and he turns toward the touch and opens his mouth. This is called rooting reflex.
One of the frontal release reflexes, or involuntary primitive motor reflexes, which are mediated by the brainstem is the rooting reflex. It starts when an infant's mouth corner is stimulated. The newborn will turn his or her head toward the stimulus and open the mouth with a tongue thrust when the mouth is touched or stroked. The frontal lobe of the cerebral cortex develops and suppresses the primitive motor reflexes between 4 and 6 months after birth (roughly 28 weeks gestation), at which point the rooting reflex is present. Primitive reflexes are replaced by voluntary motor functions as the frontal lobe develops. Each primitive reflex has a different disappearance age.
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Eric has put a lot of effort into his job performance because he is up for promotion this year. however, his coworker jacob has put in what he would consider to be a very minimal effort this past year. nonetheless, jacob gets the promotion, leaving eric feeling disappointed and unrewarded for his hard work. What motivation theory is best representative of this situation?.
"The motivation theory that is best representative of this situation is "Equity Theory."
"Employees who notice a state of inequity among themselves and their colleagues will experience demotivation and distress, this is in accordance with "Adam's Equity Theory of Motivation". According to this theory, employees' feeling of fairness plays a significant role in what motivates them to do their best at work. Employees keep track of the outputs and inputs of their work in a mental ledger, which they use to assess how their inputs and outcomes compare to those of others. "John Stacey Adams", a "behavioral and workplace psychologist" who created his job motivation theory in 1963."
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What is a legitimate looking, socially engineered email attempting to deceptively gain private information?.
A legitimate looking, socially engineered email attempting to deceptively gain private information is Phishing.
Phishing is a criminal activity that entails the use of social engineering techniques in an effort to obtain private information, such as usernames, PIN numbers, passwords, and credit card numbers, by deceiving victims into thinking they are communicating with a legitimate business organisation, usually in the form of a convincing email.
Social engineering frequently uses email or other forms of contact that cause the victim to feel a sense of urgency, panic, or another comparable feeling, prompting them to immediately divulge critical information, click a malicious link, or open a harmful file.
One of the most common forms of social engineering attacks is phishing. Phishing scams are email and text message campaigns designed to make victims feel rushed, curious, or afraid.
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Which physical feature has a tropical climate, is located in ten countries and is greatly impacted by deforestation?.
Rainfall is the physical feature has a tropical climate, is located in ten countries and is greatly impacted by deforestation
Deforestation is the intentional clearing of forested areas. Throughout history, and right up to the present day, forests have been cut down for agriculture, grazing, fuel, manufacturing and construction. Deforestation can be defined as the large-scale removal of trees from a forest (or other land) to facilitate human activity. It is a serious environmental problem as it can lead to loss of biodiversity, degradation of natural habitats, disruption of water cycles and soil erosion Trees absorb and store carbon dioxide. When forests are cleared or destroyed, they release carbon dioxide and other greenhouse gases. Forest loss and damage is responsible for about 10% of global warming. We cannot fight the climate crisis without stopping deforestation.
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What is the role of the Senate majority whip?
The majority whip's responsibilities include helping the floor leader, monitoring member attendance, tallying votes, and generally communicating the majority position.
What is the role of the Senate majority whip?Whips, who traditionally act as assistant leaders, are primarily in charge of tallying votes and gathering party members for quorum calls. On occasion, they also fill in for the majority or minority leaders when they are not present. In the modern House, the Speaker of the majority party is in charge first, followed by the majority leader.For day-to-day control of the floor, the majority leader typically serves as the Speaker's chief lieutenant or "field commander." The second-ranking members of each party's leadership are known as the Assistant Majority and Minority Leaders of the United States Senate, also known as Senate Majority and Minority Whips.The Majority and Minority Whips' primary responsibility is to gather votes on important matters. The majority whip is the third-highest ranking member of the majority party in the Senate (the party with the most seats).The majority leader and, informally, the president pro tempore are superior to the majority whip.To learn more about Senate majority whip refer
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