Digital Photos on Canvas – Back to Art

Digital photos on canvas are beautiful works of art, whereas digital photos on computers are images on a screen. Put a digital photo on canvas and it sits peacefully rather than dancing on light.Since the discovery and development of photography in the first half of the 1800s, it has been an art form for all people. Upon its release to the public, it was advertized as a sure success for any artist, with or without a prior knowledge in art or illustrating. It was an exciting new venture away from canvas paintings and drawings, and it was revolutionary, even controversial, to directly duplicate an image from nature. Each photograph, or “Daguerreotype”, as they were originally called, was therefore precious. This was not only because of the newfound power of man to recreate nature, but because the lengthy process required so much patience– the first photograph (before being made public) required an eight hour exposure.As the photography was perfected over centuries, it was expedited and simplified, until we had equipment to expose the image in milliseconds and process it in an hour. In more recent modern times, we have gone beyond even that, with digital technology that eliminates the need to process film or pictures. As these steps were made, the precious nature of the photograph changed into an everyday occurrence. Photos fluttered everywhere and stacked up in boxes or albums. In an increasingly digital age, it is easy to pile up photographs on hard drives and never look at them twice. But to look at them every day, digital photos on canvas become gorgeous reflections of life.

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There is an excessive amount of traffic coming from your Region.


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Conducting a Science Fair Experiment in Middle School

Some middle school students get excited when it is time to do a science fair project. Others tremble in fear at the thought of the work and time it takes to do such an experiment. By the time a child reaches middle school, the subjects are more complex and involved than they were in elementary school. Here are some ideas and tips for middle school science projects that should help even the most uninterested student take notice.The first step to doing a middle school science project is to pick a subject that interests the student. It is a lot easier to complete a project when it is fun and exciting. Many students may have a hobby and they don’t even realize that there may be a method behind what they love. For instance, if your child is into working on jigsaw puzzles, explain to them that they can do a science project on “Brain Power.” This relates to psychology, which is science of the mind or mental processes. The topic of psychology opens a world of ideas and presentations that a student can do a project on. They can pick the broad topic of psychology, or pinpoint their project to human behavior or how the brain functions.The next step in working on a middle school science project involves research. The student must gather data and cite sources for their research. Great places to utilize for this task include using the Internet, encyclopedias, magazines, and specific books on their topic. Data is extremely important to a science project because it helps to prove or disprove a theory, and it helps people understand why things happen the way they do. A student must also be prepared to write a short report about their findings on their project.Another reason that research is so important to a science project is that there is a good chance people are going to ask questions about the project. This part of a presentation can make some students freeze in their tracks, but it doesn’t have to be that way. Thorough research and understanding of what you read will make this part of the project easier. A student should act relaxed and natural when they are discussing their projects with others, and being prepared ahead of time will help relieve any sense of anxiety.Conducting an experiment is the best part of a middle school science project. This is where the student gets down and dirty, and conducts a physical action that backs up their data and report. It is important that the student have all of the necessary materials to do the experiment accurately. It is no fun to show off your hard work and not have your experiment work right. The student should also document each step of the experiment on paper in a way that someone else could read their notes and do the experiment the exact same way.Finally, a student should present their experiment with an interesting and eye-catching display. It should attract onlookers to come and see what is going at your exhibit. Consider having handouts that people can take with them, present your display with colors and clipart, and, if possible, wear a uniform that helps portray what type of scientist would study the field based around your project. In other words, be creative.As you can see, a middle school science project can be fun and rewarding. It takes effort. It takes time. But, the finished project is something that students can be proud of.

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Consumerism – The Real Way to Control Health Care Costs

In every facet of our purchasing lives we act as normal consumers. When we go to the grocery store, we will choose one brand over another because of a matter of cents. When we need car repairs we will search countless repair shops to get the best price and value. In almost every purchasing decision we are engaged consumers. However, when it comes to health care we are the furthest thing from an engaged consumer, we are anti-consumers.Why is this?Health insurance coverage has become something it is not and should not be. Health insurance has began covering predictable expenses. With too low of deductibles and office co-pays the consumer became disengaged. For just a $10 co-pay you can go to the doctor for a mere cough and the doctor will tell you to take cough medicine. Was this visit really needed? Now, the true costs of that office visit is not $10, it is whatever the doctor charges. Why would the consumer care what this doctor actually charges if all they have to pay is the $10 co-pay and then the insurance picks up the tab? The consumer usually has no idea what the real cost is, to them it is $10. This is a major disconnection.Remember, the insurance has to cover the rest of the actual costs of this office visit. That cost has to be reflected somewhere. The misuse of office visits, emergency rooms and pointless medical tests are reflected in rising health insurance premiums. There is no incentive to be an actual consumer, so why would anyone?Along with co-pays we have a lot of low deductible plans still in the market today. Where is the incentive in a deductible that is $250, $500? If I know that the insurance will begin to pay after I hit this cost to me, I understand that I do not have much risk here. I still have no incentive to shop around like I would with any other purchasing decision, especially one has major as health care.Now, I can already hear objections to what I am saying. Many will tell me my solution is to dig into the consumers pocket even more with higher deductibles. Thus, hurting the consumer and their ability to pay the bills and feed their families. This would be true if I was simply saying to move to a high deductible plan, end of story. What I am saying is to engage the consumer. Make purchasing health care real again. Consumers need to see the real costs. This can be done without hurting the consumer or their checkbooks. High deductible plans are the answer, but they have to be coupled with a personal care accounts such as a Health Reimbursement Arrangement (HRA).An HRA, is a promise from an employer to reimburse the employee for health care expenses. If the employer gives the employee $1,500 in an HRA, the employee can use this money for eligible health care expenses. Now, employers are not actually handing over this money to the employee, they are simply promising to pay for any future medical expenses incurred. The easiest way to administrate an HRA is on a debit card based system. The employee will receive a debit card with the amount of funds the employer is willing to give, loaded onto it. The employee can then use this debit card to pay for any eligible medical expenses.For example, let’s take Company A.Company A buys a health plan with a deductible of $3,000. Now if Company A was to say to it’s employees this is your plan, you have to pay the first $3,000 before the insurance kicks in, the employees might not be able to afford that. However, if Company A was to give them a $3,000 deductible along with an HRA in the amount of $1500 then this would certainly lessen the blow. Now the employee has what feels like first dollar coverage, the first $1,500 incurred they can use the HRA for. For 85% of people this will be enough money for the year. Imagine 85% of people will see $0 in out of pocket expenses.We have now created an engaged consumer. Why? These employees have to live on a budget and their decisions are driven by this budget. They understand if they spend all $1,500 in their HRA, they will now have to pay out of pocket until the deductible is met. They also understand that if they are unfortunate and need serious medical procedures their out of pocket is not extreme.When employees are driven by this budget, they see the real cost of health care because they are paying the actual bills. These plans do not have co-pays, the bill the consumer receives is the actual bill and they learn quick the true costs. It leads to better purchasing decisions. For example, let’s say you hurt your ankle late at night and your doctor’s office is closed. Is it hurt bad enough to warrant an emergency room trip? Can it wait until the morning? Should I elevate, ice it and then see how it is tomorrow before deciding what to do? These are questions many will not even think to consider if they are just simply paying a co-pay to go the the emergency room. These plans cut out waste because the consumer weighs the value of their own health care. If they truly need to go to the ER, they will. If not, then why not wait and take the less expensive option?Far too many times, people misuse their health plans. This leads to waste, which leads to higher costs. Creating an engaged consumer is vital to controlling costs. Imagine going to the store and purchasing a product without knowing what it just cost. That makes little to no sense for almost everyone. Yet, for some reason this is how we purchase health care. This needs to change, it has to change.

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Commercial Mortgage Loans – Strategies for Eight Difficult Commercial Financing Situations

Getting commercial real estate loans approved is almost always complex and frequently difficult. Business borrowers need to realize that there are several commercial mortgage loan situations which can be especially difficult to get approved. Examples of eight difficult business loan situations are described to illustrate two key points: (1) these difficulties are not uncommon; and (2) these difficulties can be overcome in most cases.Difficult Commercial Mortgage Loan Situation Number 1:A commercial loan that needs to be closed in 60 days or less. It is not unusual to discover that a traditional lender considers six to nine months “normal” for commercial loan underwriting. Obviously this will act as a severe constraint if a commercial borrower is trying to buy a property that the seller wants to close in two to three months. If quick funding is essential, the commercial borrower should contact a non-bank business lender where most commercial loans will close in 45 to 55 days.Difficult Commercial Mortgage Loan Situation Number 2:A commercial loan that won’t work without long-term financing. What is long-term financing for a commercial loan? Some commercial lenders view 3-5 years as the longest period before a commercial loan will be subject to a balloon payment. If that sounds short-term instead of long-term, most non-bank business lenders can arrange 25-year to 40-year commercial real estate loans for commercial properties. Longer-term financing will often be the critical difference that facilitates a successful business investment (especially because mortgage payments will be reduced dramatically).Difficult Commercial Mortgage Loan Situation Number 3:Providing financial data to a commercial lender after the loan is closed. Some commercial loans will have covenants stipulating that the lender must receive financial data even after the loan closing and that the loan can be recalled (forcing the borrower to repay early) if the audit of this data is not satisfactory to the lender. In stark contrast to this, commercial loans via non-bank commercial lenders based on Stated Income will not require business plans or income verification either before or after the loan is closed.Difficult Commercial Mortgage Loan Situation Number 4:Borrower is self-employed or income is paid on a commission, bonus or incentive basis that is somewhat erratic and difficult to document properly. Non-bank commercial lenders using a Stated Income business loan program will not require tax returns or any income verification. They also will not require commercial borrowers to sign IRS Form 4506 (which authorizes the lender to obtain tax returns directly from the IRS), a form routinely required by many commercial lenders.Difficult Commercial Mortgage Loan Situation Number 5:A borrower wants to refinance a commercial property and use $500,000 to $1 million from the proceeds to buy another property. Most commercial lenders will restrict the maximum cash that can be taken out of a refinancing, with a normal limit of $100,000 to $250,000. It is also not uncommon to encounter restrictions on the use of the cash. With a commercial loan via most non-bank commercial lenders, the commercial borrower could receive unrestricted cash up to one million dollars and use the proceeds without restrictions.Difficult Commercial Mortgage Loan Situation Number 6:A borrower wants to use a substantial amount of subordinated debt (a seller second or other secondary financing) to reduce the amount of cash needed to purchase a commercial property. Many commercial loans will not permit a seller second or other forms of subordinated debt. With a commercial loan via most non-bank business lenders, a commercial borrower can obtain Combined-Loan-to-Value (CLTV) ratios up to 95% with subordinate financing (including seller seconds).Difficult Commercial Mortgage Loan Situation Number 7:Sourcing and Seasoning of assets or ownership. For a purchase, commercial lenders will frequently want documentation about where the down payment is coming from (the source, so having limitations about where the funds are coming from is called sourcing). Commercial lenders will frequently have requirements stipulating that the down payment funds must have been in a specific account for a specific period of time, often 3-6 months or longer (this is called seasoning because it is tantamount to requiring that the funds have matured by being in the same place for a while). Seasoning of ownership is similar to seasoning of funds, except this requirement involves the minimum time someone has owned a commercial property before they can refinance the property. Most non-bank commercial lenders do not have any requirements or limitations involving either sourcing/seasoning of funds or seasoning of ownership.Difficult Commercial Mortgage Loan Situation Number 8:A borrower needs a $100,000 commercial loan. What’s difficult about this situation? Many/most commercial lenders will have much higher minimum amounts for commercial loans ($250,000 to $350,000 is not uncommon). At most non-bank business lenders, the minimum commercial loan is $100,000.Copyright 2005-2006 AEX Commercial Financing Group, LLC. All Rights Reserved.

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5 Simple Tips for Selecting Modern Furniture

Your house is your safe haven. You need to make it as welcoming and comfortable for you and your family as much as you can. Aside from that, making it attractive shows your own taste and personality, so you simply have to make it neat and gorgeous any way you look at it. You shouldn’t just buy all the furniture that catches your attention. And it is also not conventional to hire an interior designer as they could charge you extremely high rates and you may just receive design ideas that you could easily come up with yourself. You can be creative and you have your own style, and so do your family; so why not make this a family affair and make your home attractive with modern furniture? These types of furniture offer uniqueness and a futuristic style; and with endless combinations and styles, you could deliver your family’s style effectively. To pick the perfect furniture, here are a few tips.Not all furniture shops have their own line of these kinds of furniture. Some even market traditional furniture as modern ones-tricking their customers just to earn money. Comfort is the first thing that you should check out. With all the technology that the world has developed, it is not surprising that these types of furniture could give you an even more amazing experience than conventional ones. Modern ones also have extra features in them that help their owners get the best experience for the longest time.Next is to consider the size. This is why your imagination is very important in picking out furniture. Even before you go out and look for applicable furniture, you should be able to visualize how all the specific furniture will look on your home. You should have all the specific places and sizes for every piece of furniture well embedded in your head. This also minimizes the waste of time in finding the perfect spot for your newly bought furniture.You should also know how to mix and match the furniture’s color. Some colors are straining for the eyes. Know which colors are perfect for your design. You should also know the material of each piece. Always ask how long you could use a certain piece of furniture, modern or not. And knowing the material of each piece of furniture is also beneficial as it allows you to know how to best clean and take care of each piece.The design of your furniture is the most important aspect. If you aren’t buying an entire furniture set (which means a group of furniture that are readily matched) make sure that each piece of furniture matches perfectly with each other. Also, don’t pick furniture with sharp edges, especially if you have kids.Last is to consider the cost. Costs of new furniture acquisition should be taken seriously. Mindlessly buying furniture you like is a waste of hard earned money. Take into consideration each of aspects above and surely you will have the best home with the best, unique pieces of modern furniture.

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Independence From Payday Loans is Easier Than You Think

Payday loans are smart way to avoid more expensive forms of credit, but they’re not a long term solution for debt. For your long-term financial independence we encourage you to consider the following steps:a) Take an inventory of all your debts We suggest that you make a list of all your debts. For example, all you owe this month – utility charges, phone bills, rent/mortgage, car payments, loan payments, and others. When these numbers are on a paper instead of your head, it becomes easier to manage them. If your expenses add up to more than your paycheck, you will need to look for ways to reduce and/or postpone those expenses.b) Reduce and/or postpone expenses between paychecks Some money saving suggestions to consider:1. Take lunch to office and save $2 to $3 per day2. Drink regular coffee instead of designer coffee drinks and save $23. Eat dinner out less and save $15 each time4. Cut down on soda and save at least $0.50.5. Plan and Make a list of grocery items you need to buy and stick to it. Impulsive shopping leads to waste of money.6. Clip and use money saving coupons to buy groceries7. Give frugal and personal gifts instead of spending a lot on them. As an example you may put together a photo album for your friend. It may take you some time you will not have to spend the next month paying it off.8. Buy gas from the cheapest station around9. Pay your credit cards and other loans on time and save up to $35 in late fees10. Think… do you need what you are about to buy?11. When you have to buy save a bundle by buying “pre-owned” – try eBay.12. Manage balances up to date. Do not bounce a check.13. Lower the heat in the house…wear a sweatshirt at home14. Turn down the temperature on your water heater to lower the gas bill.15. Save water and electricity by always doing full loads in your dishwasher or washing machine.Change is always difficult. So good Luck.c) Use lenders that offer multi-payment payday loans. After three “consecutive” loans without being in default some lenders will convert your payday loan to a multi-payment plan. “Consecutive loans” mean loans with no more than three business days between the repayment of one loan and the next loan. A payment plan allows you to pay all that you owe in at least three payments over a period of at least sixty days by paying the fee equal to the finance charge on your loan.d) Gradually lower payday loan amount As you save and discipline yourself lower the amount of payday loan. Save on the payday loan fee and payoff the loan earlier. From a $1,500 payday loan to $1,000 to $300 and eventually you may do without a cash advance and live on your paycheck.e) Some lenders offer payday loan rewards and cash for referrals. Utilize Rewards and referral money to pay back payday loansf) Get a regular non-payday loan from a bank or finance company Contact your bank or credit union and try to see if they will offer you a lower interest loan to pay off debt. Then plan your finances well and make a new start.g) Review your latest Credit Bureau Report Know what is on credit report to make sure you are not being penalized for something someone else did or something that happened a long time ago. Get the latest copy of your credit report by contacting one of the three major credit reporting agencies (, and Review it and contact them to get rid of anything that is outdated or wrong. This will help you get a cheaper loan from your bank, credit union or an independent cash advance lender.h) Seek assistance from your state or county State program called “Prevention, Retention and Contingency Program (PRC)” offers grant money to working poor families to help them maintain self-sufficiency. Each county has its own eligibility requirements. Contact the Department of Human Services in your state for help and let them know an independent cash advance lender suggested that you contact them.i) Consolidate debts to reduce your total monthly paymentsFor your short-term emergencies visit for cash advances. 

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Employer Branding 101 – Three Actions To Build Your Employer Brand And Attract And Retain Talent

So just why should be develop an employer brand? Is it worth the time, effort and resources?With the ever increasing challenge to hire and retain great people, especially in professional services firms where your people are in fact the product you sell, it is critical that we put in place strategies to attract and retain great talent.The 2007 International Workplace Survey from Robert Half identified that the reasons organisations in the UK are developing and implementing an employer brand strategy included:- to support retention of their current employees (24%)- to maintain a positive reputation in their industry (19%)- to attract new people to their business (18%)- to connect employee commitment to organizational goals (17%).The survey was conducted with over 5000 HR and finance managers in 17 countries across Europe, Australia, New Zealand, Hong Kong, Japan and the United States.Only 23% of companies surveyed with fewer than 50 members of staff had a formal employer branding strategy versus 69% of businesses employing more than 200 people. Yet both types of organisation are in the market for essentially the same talent.In the UK, 44% of the HR and finance managers survey stated that their company has a formal employer brand strategy in place compared to a worldwide average of just 32%.Globally 32% of companies have a formal employer branding policy, and the companies included in the research indicated that over the next 2 years:- 20% intend to implement such a strategy in the next two years- while 35% have no intention of developing an employer branding strategy.Developing a compelling and magnetic employer brand supports the building of your reputation as an employer of choice.Increasingly candidates not only take into account the salary and benefits you provide, but assess:1. the company’s culture (what is it like to work with you)2. the company’s reputation (what will their friends, family and colleagues say about them working with you and how will it look on their CV or resume)3. the company’s values (does the company have values that they can connect with and buy into).With 35% of companies not planning to pay attention to building their employer brand strategy, there is probably no better time to get to work on nurturing your employer brand so that you win the war for talent versus your competition.YOUR EMPLOYER BRAND ACTION STEPSAre you clear about how your employer brand is perceived by both candidates that you would like to attract to your business and your current employees?If you want to create a compelling employer brand here are three actions you can take to assess how your employer brand is currently perceived:1. Ask Recruiters – Connect with recruitment consultants and executive recruiters that you work with and ask for their insights to your employer brands strengths and weaknesses versus your competition.2. Ask Your Current Staff – Access insights from your current employees on why they choose to stay with you. I highly recommend doing this through focus groups with a trained employer branding facilitator so that you access the true perception of your employer brand. If you have a multi-generational workforce, it is important to segment your focus groups to ensure that you access insights from the different communities.3. Ask Potential Employees – Undertake focus groups with candidates who would be potential employees. Using ‘projective exercises’ you can access what they think of your company and your reputation and if you would be a company they would consider joining to further their career. Again, segmenting these groups by function, demographics and geography will unearth rich data on which you can take action.

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What is Pregnancy Yoga?

Pregnancy Yoga is a mild type of yoga which takes into consideration the evolving needs of a woman’s body while she is expecting. Practicing Yoga while pregnant assists and strengthens the muscles and joints as they alter with all the flood of pregnancy hormones.Is Pregnancy Yoga Right for You?As soon as you are an expectant mother then pregnancy yoga is probably right for you. Plenty of people dispute that pregnant women shouldn’t try any type of exercise however Pregnancy Yoga, or otherwise called, prenatal Yoga might be the exception to the rule. Of course, if you are a starter to yoga practice, before starting any type of new work out you have not tried before it is very important check with a medical professional irrespective of whether your pregnant or not.More Experienced Yoga Students.People that have practiced Yoga prior to becoming pregnant ought to discuss that fact that they have become pregnant with their yoga trainer or Yogi. You would be irresponsible to yourself, your unborn child plus your teacher by not informing them of your pregnancy. Certain forms of Yoga and certain poses (or postures) may put pointless strain or stress on your body, especially your abdominal region and your spine. Your Yoga teacher needs to be skilled in teaching yoga to pregnant women and if they aren’t they should be able to advise a specialized Prenatal Yoga instructor. The Benefits of Yoga Through Pregnancy.Pregnancy yoga keeps the core strong, assists you to maintain correct posture and may help relieve some of those prenatal aches and pains. Many experts in Yoga agree prenatal yoga is the most effective exercise for expectant mothers as it also helps promote and develop good breathing habits, which can help immensely during childbirth.What do I expect from Yoga During Pregnancy?While attending a Prenatal Yoga class you might expect plenty of breathing work. You ought to also experience a slower-paced exercises than ordinary yoga and you’ll probably meet many like minded expectant mothers. When commencing a yoga class for pregnant women pay attention to your individual limits, listen to your body, if you experience any discomfort or pain it’s essential to slow it down and take it easy.Having Difficulty? – Tell Your Prenatal Yoga InstructorLet your instructor know when you are going through particular trouble or experiencing discomfort or pain with any particular poses or stretches and they should have the ability to provide recommendations regarding how to make the following session easier and better for you. Do not forget that your system is making a miracle, and there are lots of internal adjustments going on so you’ll need to be calm and patient.

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Keep These 5 Rules in Mind for Successful Commercial Designing

Who doesn’t want an excellent commercial design? Excellent commercial design is important to maintain the reputation and brand image of the company. As it is said, the first impression is the last impression, a good impression always attracts potential customers. It’s obvious no one would ever love to walk in a congested environment with bad lighting.

Bad design and interiors deteriorate the productivity of the employees. It can be a confusing task when planning a commercial designing project for the first time, hiring expert Commercial Architects Melbourne can be the best option to know about the latest trends and perfect matching designs.

This blog is about some basic rules to consider for making the commercial project successful.
Keep structures versatile

When it comes to transforming any commercial space, focusing on convertibility and keeping office interior decor versatile can be the best option. It can be done by implementing a versatile structure to spaces such as cafeterias, offices, and many more. Everyone gives preference to comfort hence, focusing on spatial and versatile design will help to complete commercial designing projects in an optimal way.

Consider the latest technology implementations

Technology plays a supportive role to enhance the commercial designing project. Moving forward with the latest technology is important to execute any business smoothly because technologies make the work much easier and comfortable for the employee as well as organizations. Implementing centralized and decentralized digital control is much needed in any commercial design.

Keep office aesthetics updated

Good aesthetics and interiors impact the overall representation of the office and make the place functional and attractive. Hire a reputed designer for modern décor and furniture ideas. Hiring a designer reduces half of the project stress and helps to meet the contemporary fashion and latest trends. They can help to choose the perfect theme that blends well with the office decor, atmosphere, and colour.

Provide personalized space to prevent congestion

Majority of customer prefers personalized space such as different seating to seat comfortably and do the personal work. Personalized space is one of the crucial factors for customer-based service offices such as hotels and cafeterias to provide an ambient and comfortable place.

Always keep safety first

Safety is the central feature of every construction and designing project. Hence, it’s the high-priority factor to keep the aesthetic and functional safety at the working place. It can be compromised for interior decoration and design purposes but it’s not at all affordable to compromise for safety purposes.

Following the above useful ideas can easily help in the successful completion of a commercial designing project in a safe and pleasing way. In today’s, modern construction, reliability, and comfort is also an equally important factor.

Final words,

It’s important to hire the experienced Building designer Melbourne to make the commercial designing project worthy. Hope the above rules helped you to scale up your interior designing projects with a better outcome. Follow the above tips for any renovation or remodelling project and surely you will get award-winning and achieve a better office experience.

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