![]() Miko from the Budget Mom has paid off over $70k of debt and recently paid for her house in cash. To grab her free Budget sheet and other financial resources, click here. Clever Girl Budget SheetĬlever Girl Finance has a ton of resources to help people get their finance in order, and she not only has a free budget sheet that you can grab, but she also has a vault of financial resources to help you pay off debt quickly and save more money. If you are looking for free printable budget templates that focus on the zero-based budget method, check out this one by Mortiz Fine Designs by clicking here. Learn more about zero-based budgeting by clicking here. Then your total income and balance will equal zero. Basically, you take all your income then allocate it to your expenses and debt. If you aren’t sure what a zero-based budget is, it means that every expense must be justified every month. If you love to create a zero-based budget, this template by Moritz Fine Designs is a great one to look into. Zero Based Budget Free Printable Template If you are looking for cute printable budget templates, check out Abby’s from Just A Girl and Her Blog by clicking here. ![]() This binder comes with a financial goal sheet, monthly check-in sheet, and recurring expenses sheet. Her free Budget binder can help save more money and spend less. Abby currently has a Budget Binder that is amazing. I have been following Abby from Just A Girl and Her Blog since I started blogging, and she is a fantastic resource for frugal living and organization. ![]() The Side Hustle Challenge printables will help you know how much to earn each week to meet the income goal of making an extra $10,000 this year with your side hustle.Ĭlick Here To Grab The Free Side Hustle Challenge Templates 2. Along with a fun budget, we have been able to earn $10k a month from side hustles alone, and that’s why I created the side hustle challenge. One of the ways my husband and I have been able to pay off debt is by picking up additional side hustles to make extra money. With the help of my side hustle turn online business, I have been able to pay off over $20k, and I want to help others do the same. Side Hustle Challenge (Arts & Budgets Free Side Hustle Templates) Best Free Printable Budget Templates To Help Manage Moneyġ. Since everyone learns and creates differently, there are many budget templates to choose from, and in this post, I will share 19 of the best free printable budget templates to help you take control over your finances. What Is A Budget template?Ī budget template is a tool or resource to help create a monthly budget. Building a solid budget can help you reach financial goals and pay off debt quicker. It is an estimate of how much you will earn and spend for the month. Final Thoughts On Printable Budget TemplatesĪ budget is a plan you create each month from your income and expenses.How Do You Make a Printable Budget Sheet?.Does Google Docs have a budget template?.Family Binder Budgeting Printables By Clean & Scentsible Free Family Budget Planner Spectacled Owl Free Budget Worksheet by Light Room Preset Free Printable Budget Binder by Bloominghomestead ![]() Best Free Printable Budget Templates To Help Manage Money. ![]()
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![]() Officially, this research center does not exist and, based on data scraps, is engaged in research and development as well as testing and simulation of projects in chemistry, physics, biology, and other high technology. Secret underground TerraGroup Labs facility hidden right under the center of Tarkov. The resort had previously been used as temporary accommodation for members of TerraGroup and the corporation's associated divisions in preparation for the evacuation of the Tarkov Port.ĭowntown Tarkov houses banks, malls, and hotels, as well as all the other amenities a thriving metropolis could have needed. The resort is exclusively powered by a nearby hydroelectric power plant. Shoreline's main point of interest is the "Azure Coast" health resort which consists of several luxurious buildings and facilities. The area houses a partially abandoned village, modern private housing, agricultural fields, long stretches of beach, a boating facility, gas station, weather station, and a cellular tower as well as other commercial facilities. The Shoreline area makes up a large part of the outskirts of Tarkov and is located next to the Port. The secret Federal State Reserve Agency base that, according to urban legends, contains enough supplies to last for years: food, medications, and other resources, enough to survive an all-out nuclear war. After the conflict, Scavs took a fancy to this place, until the old owners returned, who decided to stay in Tarkov and establish their own order. During Contract Wars, it was the main entry point for USEC units and served as their base of operations. The lighthouse at Cape Dalniy was an important strategic object on the way to Tarkov. ![]() Located in the center of the interchange is a huge ULTRA shopping mall which was used as the main base of operation for the EMERCOM evacuation. This strategic area connects the port and harbor with the industrial outskirts of Tarkov. The South Interchange is a key transport location for the city. This is where TerraGroup was headquartered. Later on, in the wake of the chaos, the plant facilities became a shelter for the remaining civilians, Scavs, and military operatives, including the scattered remains of the BEAR and USEC contingents. During the advent of the Contract Wars, the plant became the scene of numerous firefights between BEAR and USEC that ultimately determined control over the industrial district of Tarkov. 16 were rented out illegally to the TerraGroup corporation. The industrial estate and facilities of Chemical Plant No. The area houses a customs terminal, fuel storage facilities, offices, and dorms, as well as a variety of other infrastructure and buildings. Makeshift gladiator-style arenas in various parts of Tarkov where the remaining locals face each other, created by a mysterious group of arena masters.Ī large area of industrial park land situated adjacent to the factory zone. Claymores can only be detonated by getting into their activation range. Unlike the minefield, once blown up another doesn't respawn in its place allowing claymores to be permanently cleared after detonation.
![]() ![]() That can be a little problematic for the audience as it might attract the younger audiences a lot. It’s not perfect, nor is it for everybody, keep in mind that this is a mature game, with violence and gore, even though its visuals might say otherwise at first sight. ![]() And the sound effects are basic but effective. Sound: Once again, the sound is also really similar to the first game, the music is similar in style but new. But mostly you will feel as if you’re playing an expansion of the first one. There are new minigames and events not present in the first one, and that adds a lot to the experience. Gameplay: The gameplay is basically the same from the first title, but at a bigger Extenze in every way. Play through the same wonderful Tuesday over and over again, in what has been described as “Groundhog Day with messed up children.” Gameplay and sounds Whether it’s helping Cindy find a new boyfriend, or helping the janitor with his war on Bob, there’s always someone who can be…assisted. Discover all new areas and new characters as you assist the children with their various assignments. Kindergarten 2 is the long awaited sequel to 2017’s Kindergarten! After the events that occurred on Monday, the children have been rezoned to an all new school. And many other classic kindergarten activites! WWE 2K16.Collect flower samples for a mad scientist!.Still, it has improvements over the first title, while remaining true to the original idea of the game. ![]() It’s not a bad thing, but we do get so many indie games that look similar that at some point it’s hard to tell them apart from one another. Instead of getting into much trouble designing and creating complex art for their games, they go the most cost/time-efficient way and do basic pixel art. Graphics and visuals: nowadays a lot of indie games opt for these kinds of visuals. But at the same time, it adds tons of new content, and it shows a lot of progress from the first title into this one. It maintains the basic style from the first one, not only in gameplay but also in visuals and more. But as a sequel to the first one, it does everything a sequel should do and does it right. Kindergarten 2, as a game, is just odd and strange. And when it comes to these kinds of games, it’s probably for the best to not give it much thought. Of course, most people who play the game just outright ignore this and try to just go through the game without giving it much thought. The more popular Binding of Isaac features a disturbing story of child violence, abortions, and much more. But other games deal with kid violence like this one. Just like the first one, it hides so many dark things under such a basic and innocent premise. This game is really messed up, and probably that’s what makes it a little more interesting. Just the usual stuff, right? Kid violence not meant for kids You know, all the usual activities of a kindergarten are here, helping to steal an inhaler, keeping your companions safe from being murdered, helping in an inmate war, hiding bodies, and much more. An even bigger kindergarten with much more space and tons of new activities. There are even 50 new Monster Mon collectible cards, and 30 new unlockable costumes. In a new school with new friends, 9 new story missions in over 15 new locations. As you may know, Kindergarten 1 takes place on Monday, and this sequel takes place on Tuesday. Developed by SmashGames and Con Man Games, it’s the sequel to the original game released in 2017. ![]() Kindergarten 2 picks up where the first one left. ![]() ![]() It’s like finding a pair of socks, but with numbers! Matching Games – Let’s play a matching game! You’ll see multiplication problems on one side and the answers on the other. For example, if you have 3 rows of 4 pencils each, you can draw little pictures to show 3 times 4. This helps you learn 3 times 1, 3 times 2, and more.Ĭlever Arrays – Get ready to draw! You’ll create arrays of objects, just like arranging them in rows and columns. It’s like adding 3, then adding 3 again, and again. Your job is to count the total number of things. You’ll get to do these jumps on the worksheets and see how they make multiplication super easy!Ĭounting Groups – Have you ever seen groups of colorful objects? These can be anything – cupcakes, stars, or even frogs! The worksheets might show you groups with 3 things in each. These jumps are like 3 times 1, 3 times 2, 3 times 3, and so on. You start at 0 and jump 3 spaces, then 6, then 9, and so on. Jumping by Threes – Imagine you’re hopping on a number line. This is just like 3 times 1! You’ll get to draw patterns like this and see how they help you understand multiplication. You might see a pattern like this – smiley, smiley, smiley. Repeating Patterns – Imagine a line of smiling faces. Each one is like a puzzle waiting to be solved! Now, let’s uncover the kinds of fun problems and exercises you’ll find on these worksheets. See how we added 3 to get to the next number? That’s what multiplication does – it helps us count quickly by adding the same number over and over. When we do that, we’re actually counting in threes!įor example, when we say 3 times 2, it’s like counting – 3, 6. Now, we’re going to use this number to create some amazing patterns! The 3 times table is all about what happens when we multiply other numbers by 3. ![]() Let’s dive in and explore what these worksheets are all about!īefore we dive into the worksheets, let’s talk about what the 3 times table means. These worksheets are like maps that will guide you through a land full of multiplication treasures. ![]() Get ready to embark on an exciting adventure into the world of numbers, where you’ll discover the magic of multiplication through 3 times table worksheets. ![]() ![]() Return the application to the CA DMV by mail or in person. Duplicate Title Fee of $11 (additional $1. How to get a duplicate title with the California Department of Motor Vehicles (DMV): Complete an Application for Duplicate Title (Form REG 227).If the Oklahoma registration is not current and out of state residency cannot be established, all delinquent Oklahoma registration fees and penalties will have to be remitted, along with an Oklahoma insurance verification form, in order for the duplicate title to be issued. Cars/Trucks/SUVs Completed Title/Manufacturer Certificate of Origin (reassignment form if applicable) Bill of Sale Proof of tax paid receipt (if applicable). ![]() Continue reading this page for more information about how to obtain a replacement copy of your Texas vehicle title. Pay the 2 title fee by mail or 5.45 title fee in person. Provide information about: Indicate exactly which type of vehicle registration document. title and notice of lien (no complete change of ownership) license plate no brand code. To replace a title: Complete an Application for a Certified Copy of Certificate of Title (Form VTR-34). In Person Complete a Vehicle Registration Application (Form 10-381). violation of the law and may be punished by fine. form 108 (revised 08-2022) any false statement in this application is a. title within thirty days to avoid penalty. Out of state residency may be evidenced by an out of state registration for the vehicle/boat/motor, a utility bill, rental agreement, or out of state driver license in the name of the record owner. application for missouri title and license.This form must be submitted to the State by the person exercising power. Either current Oklahoma Registration, or proof of the record owner’s out of state residency person accepting delivery of a title on behalf of the titled owner of the vehicle.Please also include the current registration decal number. ![]()
![]() ![]() Fortunately, it is easy to find from their home page until you can bookmark the page on your internet browser.Have you been receiving a lot of calls lately from Comenity Bank’s in-house collections and billing departments? Are you curious why they are calling you about collecting on a past due debt that you owe on your Victoria’s Secret credit card, or past due debt that you owe on another store issued credit card? It’s because Comenity Bank is the company that actually issues store credit cards for Victoria’s Secret along with many other retail chain stores. Whether you choose to log in or pay as a guest, knowing where to find the Victoria’s Secret login is absolutely key. Sending it earlier is even better to ensure that it makes it there on time. You will need to drop your check in the mail at least five to seven business days before the due date. Paying this way will take longer than it would take for an online payment or by paying over the phone. If this does not bother you, then you can reach their customer service department at 1-80.ĭropping a check in the mail is another convenient way to pay your bill. Making a payment this way will cost you $9 each time you issue a phone payment. Paying by phone is convenient, but you will face an additional fee for it. You should have access to these details on the off chance you may need to use them one day. ![]() If your internet is down or you simply don’t have access to your computer, you can always pay your VS credit card bill over the phone or by mail. To learn more about financing an iPhone with bad credit, check out our complete guide here. You might want to have your bank account number and routing number at the ready so they know where to debit your credit card bill from. Once you have entered all of your personal information, you can simply follow the prompts to make a quick payment. For example, you will need your credit card account number, your billing zip code, and the last four digits of your social security number. You will need a few details to help them find your Angel card account. Click “Try it Now” to move forward with this. Avoiding the Victoria Secret Credit Card LoginĪre you in a hurry to get your bill paid and don’t have time to log into the VS credit card login? There is another option that will let you pay quickly and easily without the need to register your new Angel card.Īt the top of the Victoria Secret login is an option to skip signing in to pay. We have made an article on how to cancel your VS credit card, so feel free to check that out as well. Make sure to pay before 6:00 PM on the due date to avoid being charged with a late fee. You will need to enter your credit card account number, billing zip code, and the last four digits of your social security number to create an account. Make sure you have your credit card account number with you before attempting to register. If you have never used their online bill pay before, you might need to click “Register for Online Access.” Fill out this information to log in and make a payment. On the left-hand side of the screen, you will see an area to enter your username and password. Hover over it and a drop-down menu will appear with the option to “Pay My Bill.” Click here and it will redirect you to the Victoria Secret login for both VS credit cards and Pink credit cards. ![]() Toward the right-hand side, you will see a white icon that looks like a credit card. Head over to the store’s homepage and look for the black bar at the top of the screen. If you want to pay your Victoria’s Secret credit card online, accessing the portal is relatively easy. Online payment is almost instant whereas a traditional check may take a week or two to process. In today’s modern world, it just makes sense that you would want to take care of your bill digitally instead of sending a check in the mail. Paying your bill online is often the easiest way to manage your credit cards. Paying through the Victoria Secret Login.Avoiding the Victoria Secret Credit Card Login. ![]() ![]() "But I really do think that it's good that you're here saying this, because I want every child out there who is being molested to know that whoever is molesting you is going to molest somebody else." "I want you to let go of the guilt of it," Oprah tells Rachelle. Oprah commends Rachelle for admitting her feelings. "I really wish that I had said something when I was a kid because maybe Masha would have been spared this hell of a life that she had to go through." "I want to tell Masha I'm very sorry," says Rachelle. Meeting Masha for the first time was a gut-wrenching experience for Rachelle. It was something I was going to take with me to the grave." "I had never told my secret to anybody and I didn't plan on telling my secret to anybody ever. "I didn't know what to do," says a tearful Rachelle. Still, she says fear and shame prevented her from alerting authorities. She says her "heart dropped" when she found out Mancuso had a daughter. A chance encounter with a family friend informed Rachelle of the truth. ![]() For years, she thought her father had adopted a boy, who she thought would be safe from harm. "And I feel partly responsible for what happened to her, and I beat myself up about it all the time because I feel that it was my fault that I did not say anything."īecause she had lost contact with her father, Rachelle says she didn't know the details of the adoption. "It goes through my mind every day and I feel so much guilt," says Rachelle. She now feels that if she had told someone, Masha might have been spared. ![]() Rachelle never revealed the terrible secret about her father to anyone, until the FBI contacted her during their investigation. No longer interested in Rachelle, the two lost nearly all contact. After six years of torment, Rachelle claims Mancuso stopped when she reached puberty. But she says the sexual abuse intensified during weekend visitations with her father. She says she painfully remembers how her father began molesting her when she, too, was just 5 years old.Īfter years of abuse, Rachelle's parents divorced when she was 10 years old. ![]() She grew up in the same house with the same secret shame. Rachelle, Mancuso's biological daughter, says she shares a painful bond with Masha. The house where he and Masha lived has since been sold to a new family. He also pleaded guilty to the horrible sex crimes he committed against Masha and was sentenced to serve 35 to 70 years in prison. Two years ago, Matthew Mancuso was sentenced to 15 years on federal pornography charges. Sergeant Zaglifa says that to gain proper perspective on the severity of child pornography, it's important to call them "child sex abuse images." "When those images are being made," says Sergeant Zaglifa, "that's sex abuse in progress." He offers his expert advice for how parents can protect their children: "The number one thing is: No chat rooms." Her rescue, says Sergeant Zaglifa, was an unexpected reward for what he calls the "physically and emotionally draining" work of capturing child predators. Working with other agents, he traced Mancuso's Internet address to a location near Pittsburgh, where he was later arrested.ĭuring their investigation, police officials had no way of knowing that the little girl in the photographs was Mancuso's adopted daughter. Sergeant Zaglifa says his instinct told him this man was an absolute danger to children. Posing as a pedophile, Chicago area police officer Mike Zaglifa discovered Mancuso in an online chat room. Back in the states, Masha expected a nice American home with a bedroom all her own. ![]() No phone calls were made to his ex-wife or to his biological daughter. What she didn't know was the adoption agency failed to properly check her new father's background. But nothing could have been farther from the truth. Mancuso seemed like her knight in shining armor. He visited Masha several times at the orphanage, took her to nice dinners, and bought her candy. After months of waiting, Mancuso traveled to Russia to meet his new daughter. He contacted a New Jersey adoption agency requesting information on 5-year-old Caucasian girls, and chose Masha from a videotape. Meanwhile, 41-year-old Matthew Mancuso, a divorced father in Pennsylvania, was looking for a little girl to adopt. Soon after recovering from her traumatic ordeal, Masha was sent to an orphanage where she prayed that a good family would come to rescue her. Her own mother tried to kill her when she was only 4 years old by stabbing her in the back of the neck with a kitchen knife. She was born in southern Russia to an alcoholic mother and a father she never knew. At 13 years old, Masha has already survived the unthinkable. ![]() ![]() ![]() The HIV dementia scale: Predictive power in mild dementia and HAART. Applied Neuropsychology: Adult, 20(1), 33–40.īottiggi, K. Validity of the Montreal cognitive assessment in the detection of cognitive dysfunction in Huntington's disease. Updated research nosology for HIV-associated neurocognitive disorders. Accessed 12 January 2019.Īntinori, A., Arendt, G., Becker, J. BHIVA guidelines for the routine investigation and monitoring of adult HIV-1-positive individuals. Clinical Infectious Diseases, 58(1), e1–e34.Īngus, B., Awosusi, F., Barker, G., Boffito, M., Brook, G., Das, S., et al. Primary care guidelines for the management of persons infected with HIV: 2013 update by the HIV medicine Association of the Infectious Diseases Society of America. Nonetheless, the choice of cut-off always comes with a sensitivity-specificity trade-off, the preferred cut point depending on whether sensitivity or specificity is more valuable in a given context.Īberg, J. A lower threshold than the original cut-off of 26 is probably more useful for optimal screening of HAND, as it lowers false positive rates and improves diagnostic accuracy. The MoCA test provides information about general cognitive functioning disturbances that contribute to a diagnosis of HAND. The accuracy of MoCA for diagnosing HAND was reported at six cut-off points (scores 22–27). We assessed most studies as being applicable to the review question though we had concerns about the selection of participants in three studies. Recruitment period ranged from 2009 to 2015. ![]() Overall, 1014 patients were included but most studies recruited small samples. Eight cross-sectional studies met the inclusion criteria for meta-analysis. Quality assessment was performed according to the Quality Assessment of Diagnostic Accuracy Studies 2 (QUADAS-2) criteria. We extracted dichotomized positive and negative test results at various thresholds and calculated the sensitivity and specificity of MoCA. We conducted a systematic literature review, searching five databases from inception until January 2019. This study aims to systematically review the evidence on the accuracy of the Montreal Cognitive Assessment (MoCA) test for diagnosing HIV–associated neurocognitive disorders (HAND) and to outline the quality and quantity of research evidence available about the accuracy of MoCA in populations infected with HIV. ![]() ![]() ![]() No course taken pass/fail may be used to fulfill any graduation requirement (college, school, or departmental) other than the total hours requirement. The pass/fail grading option is subject to the following restrictions: First-semester freshmen automatically qualify. To be eligible, the student must have a GPA of 2.5 or better for his or her latest semester of full-time enrollment, or have an accumulative g.p.a. The pass/fail option is designed to encourage students to explore areas of study which they might otherwise hesitate to enter. Conversion of grades A through D- under the pass/fail option. Some colleges may limit the number of CRs applied to major and degree requirements. an instructor should not mix CR and letter grades) and this will be so announced by the instructor at the start of the course. When a CR grade will be used in a course, it must be used for every student in that section of the course (i.e. Regardless of the level, using a CR grade for a specific course requires prior approval of the university curriculum council. Credit is to be used primarily for graduate level courses. A report of credit may be made for certain preapproved courses. Credit only - included in hours earned but not used in g.p.a. calculationĬredit.Replaced with FN and FS Fall Quarter 1998-99. Calculated as "F." Student either did not attend or stopped attending without officially withdrawing. Like any other grade in an undergraduate nonrepeatable course, the FS will be replaced in the grade point average by the last grade earned if the course is retaken.Īdministrative Incomplete. In addition, the last date of attendance/participation indicated is recorded on the student's academic record. This grade is given when the student stops attending but does not officially drop a course for which they officially registered and attended/participated in at least once. ![]() As with any other grade in an undergraduate nonrepeatable course, the FN will be replaced in the grade point average by the last grade earned if the course is retaken.įailure, stopped attending. This grade is given when the student does not officially drop a class for which they officially registered but did not attend/participate in. Effective fall semester 2017-18, the instructor will confirm the student completed the course and earned the F, otherwise an FN (failure, never attended) or FS (failure, stopped attending) would be assigned.įailure, never attended. Passing (not acceptable at the graduate level)įailing. Good (minimally acceptable at the graduate level)Īcceptable (minimally acceptable at the graduate level)Īcceptable (not acceptable at the graduate level) Plus and minus grades were added in 1973-74. Ohio university has used a 4.0 grading system since 1941-42. Grades of P (pass) and CR (credit) represent hours earned but are not used to calculate the GPA. The student's GPA after completing the two classes would be 2.5.Ī student's GPA is figured only on credit hours attempted - courses for which the student receives letter grades (A-F), FN (failure, never attended), or FS (failure, stopped attending). Then add the number of hours attempted (3 + 3 = 6) and divide the total number of grade points by the total hours attempted (15/6 = 2.5). ![]() For example, if a student earned a C (2.0) and a B (3.0) in each of two three-hour courses, first multiply the number of hours in each course by the grade point value for that grade (3 x 2 = 6 and 3 x 3 = 9) and add the grade points for each course together to find the total number of grade points (15). This average is determined by dividing the total number of grade points earned by the total number of semester hours of credit attempted. The basis for determining a student's scholastic standing is the grade point average (GPA). Grade point values are assigned for each semester hour of credit completed according to the grading system below. ![]() Grades cannot be changed by arranging to complete additional work. Once grades are submitted to the university registrar, they are final and cannot be changed unless evidence of an error can be presented or a formal grade appeal process is completed in accordance with Ohio university's official grade appeal policy (see the faculty handbook, Section IV-C). Failure to do so creates problems for students such as loss of employment, scholarships, financial aid, and opportunities for further study. The university registrar's deadlines for submitting grades each semester or session must be met. This policy delineates the university's official grading system.Īt the close of a session or upon completion of a class, the instructor reports a final grade indicating the quality of a student's work in the class. ![]() ![]() ![]() - Examples: Blue, orange, red-orange, and blue-green.- It utilizes two pairs of complementary colors, but with one color dominating and the others serving as accents.- Similar to the square but with colors forming a rectangle on the color wheel.- Examples: Red, green, cyan, and violet.- It’s crucial to balance the colors well, as this scheme can be overwhelming if not managed carefully.- Offers plenty of contrast while still retaining harmony.- The square color scheme includes four colors evenly spaced on the color wheel, forming a square.- Examples: Red, yellow, and blue orange, green, and purple.- This scheme is very popular and offers visual contrast while retaining balance and color richness.Just click on the wheel to spin it and see what color it lands on. This can be useful when you need to pick a color for your next project or when you want to add some variety to your current color palette. - A triadic color scheme involves three colors that are evenly spaced on the color wheel, creating an equilateral triangle. This color wheel picker is a great online tool that allows you to select any color from a range of different colors.- Examples: Blue, yellow-orange, and red-orange.- Offers strong visual contrast, but with more nuance than a straight complementary scheme.- Includes one base color and the two colors adjacent to its complementary.- A variation of the complementary color scheme but with less tension.- Examples: Red, orange, and red-orange blue, blue-green, and green.- Often includes one dominant color, with the others supporting.- Usually matches well and creates serene and comfortable designs.- Involves colors that are next to each other on the color wheel.- Examples: Blue and orange, red and green, purple and yellow. ![]() ![]()
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