The third Monday in February is a federal holiday officially known as George Washington’s Birthday but commonly referred to as Presidents’ Day. Americans began celebrating Washington’s birthday shortly after his death in 1799, but it was not an official observance until 1879. That was when President Rutherford B. Hayes declared it a legal holiday to be observed on February 22 of each year. In an effort to create more three-day weekends, the Monday Holiday Law was passed in 1968, which meant that the holiday would now be observed on the third Monday in February each year.
Mount Rushmore National Memorial
One of the most impressive memorials in the United States is Mount Rushmore, located in the Black Hills of South Dakota. Mount Rushmore features the faces of four of our most well-known presidents that were carved into a granite batholith by Gutzon Borglum. George Washington, Thomas Jefferson, Theodore Roosevelt, and Abraham Lincoln were selected by Borglum because they and their presidencies represented the most important events in the history of the United States.
George Washington led the colonists in the Revolutionary War in their fight for independence from Great Britain. As the first president, he is considered the father of our country and founder of American democracy. Washington is the most prominent figure on the mountain and he represents the birth of the United States.
Thomas Jefferson, our third president, wrote the Declaration of Independence and as president, he doubled the size of our nation by purchasing the Louisiana Territory from France. Jefferson’s depiction on Mount Rushmore represents the growth of the country.
Theodore Roosevelt led our country during the rapid economic growth happening at the turn of the 20th century. As our 26th president, he was instrumental in the Panama Canal’s construction and worked to end monopolies. He also fought to protect the rights of the working class, as well as establish a conservation policy to protect national lands. Roosevelt was chosen by Borglum for the monument as a representation of the development of the United States.
Abraham Lincoln, our 16th president, led the nation during the Civil War. He believed in the preservation of the union and abolishment of slavery. Lincoln was selected by Borglum to represent the preservation of the United States.
In honor of Presidents’ Day, all Eastex Credit Union branches will be closed on Monday, February 19th. You may continue to access your accounts via online and mobile banking during this time, and our ATMs are available 24/7.
Sources: NPS.gov and Almanac.com
When you are planning a vacation, you might wonder if having travel insurance would be a good idea. Travel insurance can help minimize the financial risks of traveling caused by illness, accidents, missed flights, canceled tours, theft, and other events. How much you stand to lose due to unforeseen incidents varies depending on how much you have prepaid, the type of airfare you purchased, your destination, how reputable the businesses you booked with are, the overall health of those who will be traveling, and also what coverage you may already have from your credit card and insurance companies.
What does Travel Insurance Cover?
There are many companies that sell travel insurance, each with their own plans and policies that offer differing amounts of coverage for various events. The most common types of travel insurance are for trip cancellation, interruption, or delay, medical emergencies and evacuation, lost or delayed baggage, and flight insurance. Typically, a travel insurance policy will include a combination of some or all of these with the option to add on the rest and specific additional coverage, such as for car rentals or certain adventure sports. The level of coverage for each benefit will depend on the plan you selected and can also be dependent on if you purchased your travel independently or through a travel agent.
How Much Does It Cost?
Travel insurance policies are priced according to many factors, such as age, length of trip, where you plan to visit, and what state you live in. A basic policy may only cost 5% of the total price of your trip, whereas a comprehensive policy or one with a lot of add-ons may be closer to 12%. Age is one of the biggest factors in determining price, with those over 50 paying higher prices for coverage, while coverage is inexpensive and sometimes free for children traveling with an insured adult. The length of your trip factors into the price because a longer trip is generally more expensive than a short one. Where you travel can impact the price of travel insurance, as traveling to a country with good hospitals and a stable infrastructure is less risky than traveling to a remote location or one with political turmoil. The state you live in also determines how much travel insurance will cost, as insurance brokers must be licensed in the state the policy is sold in. There are also plans that rather than providing coverage for just one trip, will provide coverage for a specified length of time, such as a year. These come at a premium price but are more affordable for frequent travelers than purchasing multiple separate policies in a year.
Is it Worth It?
Here are some of the key factors to consider when deciding if travel insurance is a good idea for your trip:
- Are you paying a lot of money up-front for tours or accommodations? What are their refund policies?
- Is your airfare refundable? How reliable is the airline? Do you have tight connection times?
- Will you have luggage to check at the airport?
- Are there items such as eyeglasses or medications that would need to be replaced immediately if delayed, lost, or stolen?
- How healthy are you and those you are traveling with? Are there loved ones at home in poor health?
- Does your existing medical insurance coverage provide benefits while traveling? Does it cover emergency evacuations, so you can be treated at home for serious illnesses or accidents?
- What travel benefits come with your credit card? Some offer no travel benefits, while others offer benefits comparable to the best travel insurance plans. To qualify for the benefit, many times the particular card with the benefits must have been used to pay for the travel expenses.
- Are you traveling with lots of expensive items? Cameras, smartphones, and computers can be pricey to replace if lost or stolen. Are these items already covered by your homeowners’ or renters’ insurance?
For some, travel insurance is worth paying for, while for others it may seem like a waste of money. A healthy, young person traveling with just a carry-on bag to a safe country, doing minimally dangerous activities is unlikely to need the coverage. However, it might be a good idea to purchase travel insurance if you are paying for airfare, tours, and accommodations for several people, or if any of those who will be going have health issues that might disrupt your travel plans.
Let Eastex Credit Union help finance your vacation! We offer our members the best rates around for personal loans. Stop by any of our branches to speak with a loan specialist, or apply online.
Sources: RickSteves.com and WashingtonPost.com
Every February 2nd, the weather for the upcoming months is forecast by Punxsutawney Phil, a groundhog living in Pennsylvania. It is said that if Punxsutawney Phil sees his shadow when emerging from his burrow, then winter will last another six weeks. If he does not see his shadow, then spring will arrive early. In celebration of Groundhog Day, here are some interesting facts about how a groundhog became a weatherman and what makes the species unique.
- Groundhog Day has its roots in the European tradition of Candlemas, where candles would be distributed for the winter and many felt that the weather on that day determined how long winter would last. Germans expanded on this idea and selected an animal, the hedgehog, as a means of foretelling the weather. German immigrants brought this tradition to the United States and selected the groundhog as the animal meteorologist.
- Punxsutawney Phil was celebrated for the first time in 1887 when he emerged from his burrow in Gobbler’s Knob to forecast the spring weather.
- His full name is “Punxsutawney Phil, Seer of Seers, Sage of Sages, Prognosticator of Prognosticators, and Weather Prophet Extraordinary.”
- While he may be a unique weatherman, he’s not always accurate with his predictions. Since 1887 his predictions have only been correct about 39% of the time.
- Groundhogs also called woodchucks, whistle-pigs, land beavers, or the mouse bear, are found in central and eastern states, as well as parts of Alaska and Canada.
- Groundhogs have brown fur, small ears, and a tail. In the wild, they live six to eight years and weigh around 12-15 pounds.
- They eat mostly plants, such as clover, dandelions, grass, and fruit, but also eat insects and snails.
- They can climb trees and swim, and whistle when frightened.
- Groundhogs hibernate from late fall until February or March. During hibernation, their body temperature drops from 99° to 40°, and their heart rate slows from 80 beats per minute to five.
- Groundhog burrows are much more than a simple hole. They are complex tunnels with lengths of anywhere from 8 to 66 feet long, and multiple chambers for food storage, nesting, hibernating, and even separate bathroom areas.
- Groundhogs are considered pests by many farmers because they can get inside fenced areas by digging and are then able to feast on the farmer’s crops.
- Groundhogs are responsible for uncovering a historic village in central Ohio – now a famous archaeological site.
Sources: LiveScience.com, History.com, CNN.com, Havahart.com, and NationalGeographic.com.
A credit card may seem like just another way to make purchases, but it can also be a powerful financial tool. A credit card can help you establish and improve your credit history, and may offer additional benefits on purchases, such as extended warranties or price protection. In addition to receiving a low-interest rate on purchases, the Eastex CU Visa® Platinum Rewards Credit Card allows you to earn rewards on all your purchases.
What is uChoose Rewards®?
uChoose Rewards is a rewards program where you earn points for shopping or using your Eastex CU Visa® Platinum Rewards Credit Card, then redeem your points for anything of your choice from a huge online rewards catalog.
How do I earn points?
You earn 1-point per $1 every time you use your Eastex CU Visa® Platinum Rewards Card. Whether you shop in-store or online, you’ll earn points.
Where can I earn points?
You earn points everywhere your card is accepted.
What can I redeem my points for?
You can redeem your points for literally thousands of options. It all depends on your personal preferences. You can get event tickets, electronics and hi-tech gadgets, spa treatments, apparel, airline tickets, activity vouchers – the list goes on and on. Browse the redemption section to see all the exciting options available to you.
We keep track of all the points you earn and will help you find just what you are looking for when you are ready to redeem. We even have a Wish List that will help you track when you have earned enough to redeem a specific item.
When can I redeem my points?
It can take up to 60 days for your points to be credited to your account. You must accumulate 1,500 points before you can redeem your points for gift cards and catalog items. You must accumulate 1,500 points before you can redeem your points for cash back. After that, you can redeem for any number of amazing items. Simply look for your “Total Points Available for Redemption” on the Point Details page to see how many points you have available for redemption.
How much does it cost to participate?
There is no cost. Membership in uChoose Rewards® is absolutely free for Eastex Credit Union members, so start shopping and earning today.
How Do I Apply?
Are you ready to start earning rewards on your everyday purchases? If you don’t have an Eastex CU Visa® Platinum Rewards Credit Card and would like to apply, Click Here, call us at 866-445-9622, or stop by any of our convenient locations and speak to a loan officer today!
*normal credit criteria applies.
When buying high ticket items, you want to make sure you’re getting a good deal. You’ve probably heard the advice that waiting to buy until after the new model is released can save you money, which is generally true, but there are other factors to consider before purchasing. Here are some things to consider when you are searching for a new car or truck.
The Price Is Right
Prices are better on automobiles if you buy at the end of the model year. Car dealers are willing to make less of a profit to clear space for the new inventory. Even if the new model is very similar to the older one, they are easier to sell than the one that has been available all year. You can also take advantage of manufacturer discounts and incentives which are frequently available in the months prior to the release of a new model.
When you purchase last year’s model, although the car is brand new to you, it is basically already a year old in the automobile world. This could impact the resell value when you decide to sell or trade it in. If you like to trade in your car every couple of years, you may want to get the newest model so that you will receive the highest possible resell price.
If you buy a car when a new design will be implemented with the new model, your car will instantly look outdated. Carefully consider the differing features, technology, and look of the two models before signing the papers. While these differences are insignificant to some people and not worth paying more for, others may opt to pay a premium in order to have the newest features.
Which is Right for You?
How long you plan to own the car is the primary factor in deciding which year’s model you should buy. If you are buying a car that you will have for many years, the older model is likely your best bet. Not only will you save money at the time of purchase, but the depreciation will have a less profound impact on the resell value years down the road. If you replace your car often, the new year’s model might be a better financial investment. It will have a higher resell value due to the more current technology and design features and although you will spend more money upfront, you will get a higher amount in return when you upgrade in a few years.
Get the Best Deal
Whether you have decided on the model from last year or this year, be prepared before you head to the dealership. Know the market price range for both vehicle models and be prepared to walk away from a dealership that will not accept a price near that. Know what you are willing to pay and have a financing plan before taking the first test drive. Know what your current credit score is and what loan rates are available to you. Being preapproved for an auto loan takes the guesswork out of how much you can really afford to pay both monthly and overall. If you are trading in a car, you should also know what amount you should expect to receive for it.
If you are ready to purchase your next car, or would like more information about how Eastex CU can put you in the driver’s seat, contact us, we’re here to help. We offer low rates on both new and pre-owned vehicles, and we don’t stop there – we also have plenty of resources to assist you with making the best decision when choosing your new vehicle!
Monday, January 15 is a national holiday honoring Rev. Dr. Martin Luther King, Jr. and is the only federal holiday that is a Day of Service. On the third Monday of each January, Americans are encouraged to make an ongoing commitment to service in their communities by focusing on seven issue areas: health, faith, education, the environment, honoring our veterans and military families, community resilience, and economic development.
A Day On, Not a Day Off
More than 50 years ago, Dr. King urged movement toward what he called the “Beloved Community”, which meant equality, social justice, economic advancement, and opportunities for all. He believed that each individual should have an active role in society, saying “Everyone can be great because everybody can serve.” Achieving this is the aim of the many organizations and cities that participate in the annual Day of Service. The projects and initiatives that take place on this day aim to bring Americans of all ages, backgrounds, and abilities together to provide solutions to the problems facing our communities and nation.
How to Get Involved
Visit MLKDay.gov to find a service project just for MLK Day, or for year-round opportunities in your community. Also check out the websites and social media pages for local organizations and projects that share your concerns. You could spend your Day of Service delivering meals, painting classrooms, refurbishing community centers, collecting food and clothing donations, constructing neighborhood libraries, doing environmental stewardship activities, building houses for veterans, or repairing homes damaged by floods. The MLK Day of Service empowers individuals, strengthens communities, bridges barriers, creates solutions to social problems, and moves us closer to Dr. King’s vision of a “Beloved Community.” Those who choose to volunteer on this day are encouraged to share their experience on social media using #MLKDay.
In honor of Rev. Dr. Martin Luther King, Jr. Day, all Eastex Credit Union branches will be closed on Monday, January 15th. You may continue to access your accounts via online and mobile banking during this time, and our ATMs are available 24/7.
Sources: Corporation for National and Community Service and MLKDay.gov
The ending of a year and beginning of a new one is a great time for making resolutions. It is also a great time to make financial adjustments that will help you reach your goals. While hanging up your new 2018 calendar, schedule some time to look over your budget so you start the new year being financially smart.
Create Your 2018 Budget
- Determine how much money you expect to earn this year. Include income from your regular employment and any additional money you receive from sources such as rental properties, retirement, bonuses, child support, etc.
- What are your expenses each month? Looking at bank statements for the previous year can help determine a monthly average for utilities, such as water, electricity, and gas, and other expenses which may fluctuate depending on the season. Be sure to include credit card payments, 401K contributions, taxes, child care, internet, cable and entertainment subscriptions, transportation costs, health and car insurance, mortgage or rent, dining out and groceries, plus any additional regularly occurring expenses.
- What is the Difference? Subtract your expenses from your income and this is the amount that is unaccounted for each month. If you have a negative number, you are spending more than you are earning, which means you need to reevaluate your spending each month. Carefully review each expense and consider what changes to your spending habits might be necessary.
- Create a Realistic Budget. Set goals for the year and use your budget to help you achieve the goals. Determine how much you want to save each month and how much can be freely spent. Some of the most common budgeting goals are saving for retirement, vacation, college, home improvements, holiday expenses, and down payments for a car or new home. Spreading the cost of these over the course of a year or longer helps lessen their financial impact and allows you to be aware of improvements you can make in your spending and saving habits.
- Reevaluate Your Budget Regularly. Throughout the year, make sure that your budget is still working for your current situation and accounts for recent changes in your financial situation. If you had to pay for unexpected home repairs or worked fewer hours than you expected to, you may not have as much flexibility with your spending on non-essential expenses for the later months of the year. If you received a raise at work, you may want to increase the amount you are contributing to your 401K or savings account, or upgrade your accommodations or amenities for your vacation this year.
At Eastex Credit Union, we want 2018 to be your best financial year yet. Use our helpful financial planning calculators when creating your budget and setting your goals for the year. Also, stop by any of our branch locations to speak with one of our friendly loan specialists to make sure you are getting the most out of your budget by taking advantage of Eastex’s low rate loans.
The holidays are such a wonderful time of year and part of what makes them so special are traditions. Some traditions are common worldwide, such as gathering with loved ones, eating a large meal, and exchanging presents. Other traditions are specific to a particular country or region, like Spain’s yule log and Italy’s Christmas Panettone, while some are specific to a single family. If you are looking for ways to make memories with family and friends, here are some new traditions you could start this year.
- Get Baking. There are many ways you can turn baking into a holiday tradition. Spend a day baking with your family members or a group of friends. Try out a new recipe, stick to the standard favorites, or have a cookie swap.
- Indoor Camping. A break from the usual routine is always exciting to youngsters, so trade the beds for sleeping bags for a night and sleep under the twinkling lights of the Christmas tree. Sing carols and read your favorite holiday stories by flashlight to make it extra memorable.
- Leave Santa and his Reindeer a Surprise. Santa and his herd will be tired from his busy night, so leave cookies, milk, carrots, or other refreshments out for them. That way they’ll be sure to have the energy to make sure everyone has a Merry Christmas.
- Go Sightseeing. Find out which areas and homes near you have the best holiday lights and head out on a tour to visit them all. On the way back home, let everyone vote on which was their favorite.
- Share a Favorite Recipe. Do you have a favorite recipe that you have been using for many years, or have you discovered an amazing new one this year? Make an annual tradition of including a recipe in the cards you send out, or attaching it to the presents you give.
- Write a Letter. Recording your memories on paper is a great way to reflect on the previous year and to make note of any special achievements, funny stories, or memorable occurrences that have happened. Have everyone in the family write one and collect them all in a book, adding new letters each year. In the future, they will serve as great snapshots of your family at a particular point in time. These are also nice to have when remembering those who are no longer with us, so think about what you would like the future generations of your family to know about their ancestors.
- Annual Movie Night. Grab your pajamas, heat up the cocoa, and watch your favorite holiday movies.
- Gift Challenge. Have a $10 gift exchange, where you must find or make a certain number of presents and can not spend more than $10. Exchange these gifts on Christmas Eve.
- Retro Christmas. Host a party and only serve food and drinks that were popular at a particular time in history. Bonus points if appropriate clothing attire is required and all music played during the party is from that era.
- Ornament Tradition. Have at least one new ornament hanging on your tree each year. This can be an ornament that signifies a special moment from the year, such as buying a house or somewhere you traveled to or can be your child’s latest school photograph or art project. This way every year you are reminded of that particular point in time when you hang the ornaments on the tree.
- Marshmallow Fight. Snowballs can be hard to come by in Texas, so have a marshmallow fight instead. Give everyone some ammunition, ranging from miniature marshmallows to the extra-large ones, and fire away. If this seems too messy, set up a skill game, such as corn hole, and take turns playing by tossing marshmallows instead of beanbags.
- Find the Gnome. Hide a holiday decoration, such as an elf or gnome, and have everyone search for it. You can make it as difficult as you like and leave clues that must be deciphered to find his location. Have a treat for the person or team that finds it.
- Nutcracker Karaoke. Play a popular song or holiday tune using a nutcracker. Pull the lever on the nutcracker’s back to sound out the song, no words or humming allowed. Have everyone try and guess what song is being cracked.
Hopefully, these ideas have inspired you to start new traditions and continue the ones you already practice with your loved ones this holiday season.
Have You Made Your List and Checked It Twice?
The holidays are a time filled with celebrating and friends and family. It is also the time of year when people are making the most purchases. Many of the items purchased are gifts for loved ones, or impulse buys because a deal seems too good to pass up. Below are some ways to help you spread cheer this holiday season while staying within your budget.
Make a List
Children love making Christmas lists that tell Santa what they hope to receive. You can take the same approach and make a list of everyone you need gifts for. Your list will likely include family members, close friends, and coworkers, but don’t forget all those you give smaller gifts to, such as teachers, neighbors, and service providers, like your mailman or hairdresser.
Set Spending Limits
Once you have listed each person, determine the amount you would like to spend for each person. Add up the amounts you have attributed to each person and see what your total spending would be. If that number is not feasible consider reevaluating who you need to buy gifts for and what you can spend per person. If your budget is already stretched thin before the holidays, you have a large family, or simply too many people you exchange gifts with, consider doing a Secret Santa. That way you can save by eliminating several people from your list and can buy one nice gift, rather than many gifts.
You can also discuss setting a limit with those you exchange presents with. You can feel pressured to give a more expensive gift than you can really afford because you feel obligated to based on what you and your family members have received in the past. Many with large families set limits, such as x dollars per child, y dollars per niece and nephew, and z dollars per grandchild. This helps everyone know what to expect come gift time and helps eliminate discussions of how cheap Aunt Gertrude was this year.
Get Creative with Your Gifts
Chances are, most adults will likely have everything they need and if they don’t, they will buy it themselves. Unless they have specifically asked for something, avoid adding another unused wallet to your uncle’s growing collection by gifting an experience instead. There are tons of options, like skydiving, driving a race car on a closed course, theatre tickets, or paying for a few months of their video streaming service. If you buy gifts for several members of a household, consider giving them a family gift instead, such as a membership to their local zoo or waterpark.
If you want to give gifts to many people in the $10-$20 range, think about what your skills are and see if you can make their present. Cookies and other baked goods are the most common homemade gifts, but there are lots of other options. You could give each person a cutting board or spoon that you have wood-burned their initials into, decorated a picture frame you made from pallets or supplied them with a dozen of your homemade tamales to enjoy whenever they wish. If you are not crafty or simply don’t have the time, buy items in bulk and then split them for the individual gifts, which can help you give quality gifts within your budget. No matter what you decide to give, be sure to compare prices and make sure you’re getting a good deal. Taking a minute to grab your phone and check prices online for an item can save you from overspending at a store.
The Season of Giving
While making your holiday list, keep in mind that this is the season of giving. If you have much to be thankful for this year, consider helping those less fortunate. Cooler temperatures mean that this time of year can be much more uncomfortable and dangerous for the homeless or needy. Donate new or used items, especially coats, socks, hats, and blankets, to local charities and non-profits. Make an annual tradition of volunteering at the food bank, or make a habit out of checking on elderly neighbors that don’t have relatives living nearby. Another way to help others while staying within your budget is to ask loved ones if you can buy gifts for the less fortunate instead. This way everyone will feel as if they are helping a worthy cause and it will help someone who really needs things. For example, if your house is already overrun with toys, ask your children if they would like to donate some of the presents they would have received to a needy child. Many stores have Christmas trees with those children’s wish lists, so you can make a family decision on which age and gender to select, and let everyone be involved in picking items for them.
Making a list and checking it twice, just like Santa does, will help you from overspending this season. Keep track of your spending and be sure to incorporate that amount into your budget for next year. Setting aside a portion for holiday gifts each month is generally easier than having to accommodate such a large expense all at once. If you need help with your holiday finances, we are always here for you. Visit any Eastex branch and we will be happy to help this holiday season be your merriest one yet.
As anticipated as the first helping of turkey and stuffing are, the second day of leftovers and sandwiches are decidedly less exciting. There is always turkey left over, which is great because it is a versatile ingredient that can be used to make many recipes. The most common recipes featuring leftovers are soups, casseroles, and salads, but there are many more ways you use all your remaining feast. Here are some great ways to use up your Thanksgiving leftovers that require just a few additional items to become a completely new dish:
- Turkey Chili- turkey, tomatoes, onion, beans, and spices are all you need for a simple chili. If you have leftover roasted carrots or sweet potatoes, you can add them as well. Cook in the slow cooker or simmer on the stovetop.
- Turkey Pot Pie- Use store bought or homemade crust, add whatever veggies you have on hand to the turkey, and toss those in your leftover gravy. Bake according to the crust packaging or recipe.
- Shepherd’s Pie- Top a mixture of veggies and meat with your leftover mashed potatoes and bake until the top is golden brown.
- Croquettes- Add cheese, beaten eggs, bacon, and whatever spices you prefer to leftover mashed potatoes. Mix together and roll into balls. Roll the balls through breadcrumbs and bake at 375° until brown.
- Stuffing Cakes- Mix leftover stuffing with egg and cheese. Shape into patties and pan fry in olive oil. These are great topped with a poached or fried egg.
- Stuffed Peppers or Boats- Hollow out the center of bell peppers or zucchini. Add stuffing to the center and bake at 400° until the veggies are soft.
- Cranberry Turnovers- Combine cream cheese and confectioner’s sugar to leftover cranberry sauce. Add the mixture to squares of puff pastry, fold into triangles, and seal the edges. Bake according to the directions for the puff pastry.
- Cranberry Salad- Add chopped pecans and crushed pineapple to leftover cranberry sauce to make this tasty, tart salad.
- Croutons- Cut your leftover bread or rolls into cubes. Toss in butter and spices and bake until crispy.
- Bread Pudding- Tear your leftover bread or rolls into small pieces. Cover the bread pieces in a baking dish with a mixture of egg, milk, sugar, vanilla, and cinnamon. Bake at 350° about 45 minutes, or until the liquid is absorbed and the top springs back when touched.
There are plenty of options when deciding what to do with Thanksgiving leftovers. The ideas above are just a few ideas of how to avoid eating the same exact meal for days. Another great ways to get rid of leftovers is to send everyone home with food. This is especially appreciated by college students, families with young children, and those who are less confident in the kitchen. If you have whole pies leftover, consider freezing them until the next holiday, or bringing those to a fire station, nursing home, or emergency shelter to be enjoyed by those who might not have been able to spend the holiday with their loved ones.
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