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All About Foreclosure Defense Secrets
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PostPosted: Thu 2:35, 07 Apr 2011    Post subject: All About Foreclosure Defense Secrets

It’s sad, but it’s true. Whether you are a homeowner who experienced a sudden loss of job or income, a first home buyer stuck with a mortgage you can no longer afford, a person who suffered a critical injury or illness and now has overwhelming medical bills, or even an investor who was unable to sell before the bubble burst, the skyrocketing numbers of foreclosures will devastate millions of people personally and financially,[link widoczny dla zalogowanych], not to mention ruin their credit for many years.
There has never been a better time to be delinquent on your mortgage. The foreclosure epidemic has created tremendous leverage for homeowners, because banks do not want more homes. Liquidity has become a serious issue with banking institutions; therefore they are negotiating and offering home loan modifications with lower payments for homeowners.
This may sound obvious, but don't skip your house payment. It takes only one missed payment to set the foreclosure procedure in process. Missing a mortgage payment is very serious compared with missing a credit card payment or any other unsecured loan payment. So if you need to prioritize which payments to make, mortgage ALWAYS comes first!
Foreclosure prevention specialists are available to assist you with foreclosure prevention options that may be available to you. You can also speak to a legal foreclosure attorney about loan modification, short sales, deed-in-lei and bankruptcy options.
Most foreclosure victims only "allow" the foreclosure to happen because they feel they have no other options. It's not a decision like deciding to go to the mall for the day, or take a trip to Six Flags with the kids, and this decision is often based on false of incomplete foreclosure information. Homeowners have more options than they realize to prevent foreclosure, which is why it is important to get the most relevant foreclosure advice possible, and examine which options, besides refinancing, putting together a bank workout plan, or selling the property, would result in them being able to keep their homes and begin repairing their damaged credit.
Other things that can help you on your monthly payment:
You can have a home equity line of credit already in place. If you ever get into a financial bind, you may need to access funds quickly. Having a line of credit in place can give you that much needed resource. There are credit lines available that you do not need to make payments on unless you carry a balance so it's a great resource if you don't have an emergency fund built up.
It would probably be best if the foreclosure victims found a Realtor or investor who guided them in what to do about the summons on their own, and was just there to facilitate the short sale or other deal to stop foreclosure. Realtors already represent the homeowners if they are listing the house for sale or attempting to locate buyers -- owners do not need to give them even more power to represent them in court, as well.
Short Sale for the home owner and the lender is one way to settle most of you debt with the bank. It consist of you putting the house up for sale at the current market value. In today market for many home owners that means selling your home for less than whats owed to the bank.
You will benefit from this foreclosure guide if you are…
- Facing foreclosure or you are currently in foreclosure,
- Concerned about the lender suing you for your mortgage balance,
- Attempting to workout your mortgage problem yourself,
- About to have your Adjustable Rate Mortgage reset to a higher rate,
- Burdened with an IRS tax lien on your real estate,
- Trying to sell your home but you don't have any equity,
- A Realtor has listed your property but they are not getting results.
Until now, most homeowners have been lost regarding their number one investment. Well, I'm here to lead you down a path of truth on the subject and eliminate the mystery that appears to force so many borrowers down the incorrect path.
You have the choice of either hiring a loss mitigation company to represent you in negotiations with your lender, which can cost $1200-2500 or more, attempt to resolve your mortgage problems on your own and risk the lender moving forward with the foreclosure anyway, or do nothing and hope the Sheriff doesn't knock on your door and tell you to vacate your property in the next 24 hours!!!


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PostPosted: Sat 1:21, 13 Jul 2013    Post subject:

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PostPosted: Sat 11:29, 20 Jul 2013    Post subject:

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I just facilitated a session for leaders at the University of MN on Employee Engagement. One of the challenges in today’s higher education system is the issue of funding. When many Universities and colleges rely on state funding, Higher Ed has seen it’s share of layoffs, cutbacks and furloughs. The outlook still looks bleak.
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PostPosted: Thu 12:56, 25 Jul 2013    Post subject:

School’s Back in Session…For Mom! By Debi Silber MS,RD,WHC
Towards the end of summer,[link widoczny dla zalogowanych], moms begin to think about the upcoming school year. While the summer may have meant lazy days without schedules or routines, the school year brings about something else entirely. Shopping for school supplies, instilling earlier bedtimes and a few last sleepovers are all being crammed into the next few weeks but at some point, new schedules, routines,[link widoczny dla zalogowanych], clubs, play dates and commitments will all begin.
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First take a look at when you say “yes” and “no”. Chances are you’re saying “yes” to a task you’d rather not do leaving you to say “no” to things that would bring you greater joy, passion and purpose. Here’s an example. Your daughter has a classroom performance and she’s counting on you being there. In order to get there on time,[link widoczny dla zalogowanych], you left work early, ate in the car and returned phone calls during the drive. You race through the doors of school where you’re stopped by an acquaintance who asks you help out at the next PTA fundraising event. Your thoughts are on your daughter and the look she’ll have on her face if she doesn’t see you this minute so you end the conversation quickly with, “yes.”
After the performance you hug your daughter, race back to work and realize that you just added a few extra hours to your already overly extended lifestyle by saying “yes” when your mind, body, and soul were all screaming “no.” Why did you say yes? Maybe you felt guilty that you haven’t participated as often as some of the other moms. Maybe you were afraid that you’d be accused of “not being a part of the team.” Maybe you felt you’d be disliked, rejected or perceived as selfish if you didn’t say “yes” and finally, maybe you just don’t know how to say “no.”
What are your priorities? While they may include many things,[link widoczny dla zalogowanych], spending time with family is often found somewhere near the top of the list. If quality time with your family is important and taking on another commitment will only leave you with less time for those you love, is saying “yes” in the best interest of you, your family, your values and your priorities? Saying “yes” to another time stealer leaves you saying “no” to something else that could have been fun, enriching and fulfilling.
Many moms feel when they say “no” to a request they are rejecting the person who has asked for the help. You aren’t rejecting the person, merely the request. We all know what rejection feels like and hope to spare anyone from the pain it causes. However, by assuming the person is personalizing the request is an assumption and unnecessary burden on our part. The person asking simply wants to know the responsibility is taken care of so they can check one more thing off their to-do list if you say “yes.” Saying no to their request is nothing personal, it’s just another opportunity for them to ask someone else to do the job they’re asking of you.
Many moms say “yes” to avoid the confrontation or look of surprise they may receive if they say “no.” For these moms, it’s easier to take on the extra work than deal with the perceived unwelcome response or “wrath.” Here’s a thought. Yes it may be uncomfortable for a minute or two. You may feel tense, stammer and wish you were anywhere else. But that feeling is fleeting and the freedom you’ve retained by staying true to your values lasts much longer.
Many moms believe they’ll be perceived as mean, selfish or “above it all” if they say “no.” First of all,[link widoczny dla zalogowanych], if someone is going to criticize, judge and critique you and your behavior, do you really care what they think? Secondly, is it mean or selfish if you use that extra time to cuddle with your kids, go on a “date” with your husband or catch up on some extra sleep so you’ll have more patience, energy and clarity? Lastly, you are your children’s greatest role model. They look to you to see how to feel, act and behave. If this extra commitment leaves you feeling stressed, overwhelmed and overextended, is this the way you want your children to always see you?
Many moms just don’t know how to say “no.” Maybe it just sounds too harsh or severe for you so a more subtle approach may work better. If this is the case, how about something like: “I need to think about it and get back to you.” This is a great way of buying time so you can make a clear decision after thinking it through. Another option may be: “I’d love to,[link widoczny dla zalogowanych], but I have too much on my plate right now.” This is a straightforward, honest response that few moms can argue with. A final option may be: “Now’s not a good time but when I’m able to help, I’ll let you know.” This approach keeps the door open for future requests while remaining true to your priorities and yourself.
As the kids go back to school they will have another year to learn,[link widoczny dla zalogowanych], grow and evolve. If we choose, we can use the opportunity to “go back to school” and take some lessons in self growth and development ourselves. This school term, let’s work on reevaluating old habits and unhealthy behaviors in order to help ourselves,[link widoczny dla zalogowanych], improve our relationships and become the empowered moms we’d always hoped we’d be. It’s time to go back to school. Let’s make it a great year!
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PostPosted: Sun 15:43, 28 Jul 2013    Post subject:

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PostPosted: Thu 21:46, 01 Aug 2013    Post subject:

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PostPosted: Mon 22:28, 12 Aug 2013    Post subject:

By Wayne M,[link widoczny dla zalogowanych]. Davies
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Do your eyes glaze over at the thought of those mind-numbing depreciation rules? Well,[link widoczny dla zalogowanych], take heart, sole proprietor. Thanks to a tax law known as Section 179, you can probably kiss those depreciation rules good-bye.
These special rules can be tricky,[link widoczny dla zalogowanych], so if you have any questions about qualifying for Section 179,[link widoczny dla zalogowanych], be sure to consult with a tax professional or check out IRS Publication 946,[link widoczny dla zalogowanych], How To Depreciate Property.
Then along came Section 179, which simply says that the total cost of certain business assets can be fully deducted in the year of purchase. There are several important conditions that must be met to take advantage of Section 179,[link widoczny dla zalogowanych], but for the most part, sole proprietors who purchase things like the office equipment and furniture listed above can simply forget about depreciation and deduct 100% of the purchase price.
Schedule C filers report the Section 179 on Line 13, Depreciation and section 179 expense deduction. But you must also complete Form 4562,[link widoczny dla zalogowanych], Depreciation and Amortization to report the details on the business assets that qualify for the Section 179 deduction. Part I of Form 4562 is devoted to the Section 179 deduction, so be sure to read up on how to complete this part of the form. The total Section 179 deduction is then transferred from Form 4562 to Schedule C, Line 13.
Depreciation is the name we use for deducting the cost of business assets such as office equipment and furniture (computers, printers, fax machines, copiers, desks, bookcases,[link widoczny dla zalogowanych], etc) and other items that the tax code says have a "useful life" of more than one year.
So, if the only business assets you purchase were things like office equipment,[link widoczny dla zalogowanych], and you purchased less than $250,[link widoczny dla zalogowanych],000 of those type of assets,[link widoczny dla zalogowanych], you can deduct the full cost and ignore the depreciation rules. And you've just simplified your tax return considerably, because you don't have to wade through all the possible methods of depreciation and keep track of those calculations for several years.
Some of those conditions include rules such as:
1) Only personal property can be deducted via Section 179. Real estate (buildings and building improvements) does not qualify.
2) For 2008, the maximum amount of the Section 179 deduction is $250,000.
3) If you purchase more than $800,[link widoczny dla zalogowanych],000 of Section 179-type assets, you may have to reduce the amount of your Section 179 deduction.
4) When it comes to deprecation and/or Section 179, vehicles have their own set of special rules.
Author's Bio:
The general rule for many decades was this: the cost of such business assets (aka fixed assets, capital assets, depreciable assets) cannot be fully deducted in the year of purchase. Instead, the purchase price must be deducted over several years (anywhere from 3 years to 39 years), depending on the type of asset.
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PostPosted: Thu 4:15, 22 Aug 2013    Post subject:

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The authenticity of the note has been verified Auschwitz Concentration Camp museum experts note by the museum," In 2011 October, in short: the content of the true mingled with the false, Because the vehicle frame number and engine number, police said, promotion of Quanzhou.


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PostPosted: Thu 15:40, 22 Aug 2013    Post subject:

BBC said.
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city hall attaches great importance to environmental sanitation work,5 yuan per catty. low will rise again.Shaanxi real sister Gong Aiai was arrested on suspicion of the crime of forgery of official documents seal [Shaanxi "real sister" by procuratorial organs approved the arrest] xinhuanet seals of Shaanxi "real sister" Gong love, Witnesses said the dead at the age of forty or fifty years old.the network September 10th news yesterday afternoon 45% polyester,[link widoczny dla zalogowanych], which is sensitive to some things,[link widoczny dla zalogowanych], is injured; with a due to minor injuries treated.
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PostPosted: Sat 22:40, 24 Aug 2013    Post subject:

"district financial arrangements 30000000 yuan of special funds for fresh talent, big such investment is in local history for the first time." Xiuzhou district Party committee secretary Zhu Yawei has insisted,[link widoczny dla zalogowanych], what kind of industry is what kind of person, what kind of talent will be what kind of industry.
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Xiuzhou vice - Changjiang Mei Tang "six cards", sums up the image of the government of Xiuzhou in recent years has led to new serial. It is because of this "six cards", before the "Hisense" who have to show special preference to.
the new network in Zhejiang on 9 April, (reporter Chai Yanfei Wang Enmin) today, the Zhejiang Xiuzhou 2011 "poly Xiuzhou" overseas high-level talents docking exchange will be dropped from the United States, Britain, France, Germany, Canada and other countries and regions, more than 60 overseas elites and local representatives, the "what" "marriage" docking. Overseas high-level talents in Zhejiang Province Association President Yao Naxin told reporters, with the Chinese national strength continuously increased,[link widoczny dla zalogowanych], more and more overseas talent to return home for the development of space and platform.
light has location advantage is not enough, we must give people play. "This is the biggest wish is to use talent. Cause of the platform, is the most effective bargaining chip to attract high-level talents." Second cards Jiang Meitang play, is promising platform support. "Platform including Zhejiang science and technology incubation city (Jiaxing) as the lead, Xiuzhou New District, Xiuzhou Industrial Park and Xincheng as central innovation platform group, the southern and Northern wetland airport logistics platform platform."
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PostPosted: Wed 4:13, 28 Aug 2013    Post subject:

True Power
People who don’t forgive often try to play the victimhood advantage. Years or even generations later, they still want sympathy or special treatment for an old wound. Victimhood advantage can be a powerful addiction. If well played, it often moves a person or group out of the feminine role and into the masculine role.
How to Heal the Feminine Victim
If we are in a position to resolve a bullying situation, we must find out where the child in the bully role learned their supremacy thinking; and then we fix the cause, which is always an authority figure in their life. Children only reflect a bigger bully; they are never the cause.
While the initiated people of the ancient world clearly understood that the masculine role (Adams) had the responsibility,[link widoczny dla zalogowanych]; the masses of people were convinced that they were to blame (the Eves),[link widoczny dla zalogowanych].
Bulling Kids


The victim advantage is not really an advantage. It is a small reward for playing a stupid ancient game, a game that really needs to end because the victimhood advantage is lose-lose for everyone. It causes the win-lose and good-evil way of perceiving the world, the illusion,[link widoczny dla zalogowanych], to continue. There is no room for paradise in the illusion. But more important, the victim advantage causes those who use it to lose out on the permanent and lasting rewards of living an authentic life, making dreams come true, and contributing to a better world.
Let me also say a quick word on kids and bullying. Kids are not born bullies, and kids are always in the feminine role. They learn to bully by watching their parents and the false authorities in the schools and government. They clone the behavior that has been used on them. They hear their parent's acting out of false superiority based on race, religion, or culture; and they parrot their words. Usually they have picked up the mentality that if everyone were like them, the world would be a better place. They think it is legitimate to punish someone who is different. We must remember that they had to learn to think that way.
Today this problem perpetuates. World leaders act like they are victims of their people. Teachers claim that they are victims of their students,[link widoczny dla zalogowanych], and parents blame children instead of themselves.


In Part I, I shared with you the ancient masculine/feminine secret. The victimhood advantage allowed power-hungry authority figures to take all the power but none of the blame. We learned to blame the feminine through the perpetuation of stories like Adam and Eve. We learned to feel sorry for the Adams of the world while holding the Eves responsible. Adam didn’t accept responsibility for his actions when questioned; he just blamed Eve. Adam was claiming victimhood advantage when he was not a victim. He chose to eat the apple and follow Eve; Eve didn’t hold a gun to his head. But no one challenges the common meaning of the story because we are programmed to hear it in the way that authority figures benefit.
Sadly, a child (or other in a feminine role) who has been bullied often thinks they need fixing. They try and try to change,[link widoczny dla zalogowanych], and nothing changes. The person in the feminine role is the effect, not the cause. The one in the feminine role under a false authority must recognize when they are simply behaving as another person’s reflection. Often people who do bad things are just reflecting someone who has a very good mask and is addicted to the victimhood advantage.
Years ago, I was a practicing hypnotherapist. A colleague asked me to do some sessions with a few of her MS patients. I regressed each person to the moment of diagnosis and gently suggested that they had a choice to accept the diagnosis, or they could deny it and look deeper for the beliefs that caused their symptoms. In several cases,[link widoczny dla zalogowanych], they chose to keep the diagnosis because they were receiving a payoff that they didn't want to lose. They knew that mentally challenging that diagnosis would start the healing process in their bodies; and they saw healing as losing something of value.
There are times when we all fall into victimhood especially as children because we are born innocent. Good and evil doesn't make sense to a child because it is an illusion. Victimhood can become a story that bores our friends and family, or it can be a reason to turn inward, a reason to go into our cocoon and dissolve our past, find our true self, and be reborn as a beautiful butterfly.

Our true power begins the moment we realize that we can't be a victim if we don't play other people’s games. When we all stop playing the good and evil game (or any of its clones), there will be no more victimhood. That is the world I want to live in. To get there,[link widoczny dla zalogowanych], some people will have to give up their victimhood advantage. Others will have to learn to bare the discomfort of telling the truth that no one wants to hear.
The Lost Secret of Masculine and Feminine Roles
The true leader sees his or her reflection in the feminine people who are in his or her care. If he or she sees evil or bad, the true leader or authority doesn't break the mirror. They fix themselves. The false leader or authority uses their power to break the mirror.
Forgiving and Forgetting

If we go inside and really look at why we are stuck in victimhood, we often find that the experience is exactly what we needed. The caterpillar doesn't feel victimized when it goes inward, and that is what allows it to be transformed into a beautiful butterfly.

Our Payoffs Imprison Us
When someone tells the same story over and over and refuses help, they are playing victimhood advantage. A legitimate victim wants help. They tell their story until someone helps them. They tell their story to get answers. But when they get free, they move on to greener pastures.
We can support legitimate victims best by encouraging them to take back their power or remove them from the feminine role. We can remind them that their payoff is nothing compared to the real prize of freedom and living their best life. We must never feel guilty for supporting others in this way. We must never feel that we need to enable their baggage,[link widoczny dla zalogowanych].
It does no good to punish the effect. The child is doing unto others what was done to them. It is that simple. The ancient masters were very clear,[link widoczny dla zalogowanych], to try and fix a problem by fixing the feminine, or the effect, is a waste of time; it is just plain stupid.
Payoffs keeps people stuck in problems. As long as we continue to reward another's victimhood advantage through enabling them, we don't push people to do their inner work. We don't support them in getting well or standing up for themselves or just being someone who we'd enjoy talking to.
There is another way of playing victimhood advantage. If someone in a feminine role is stuck in a place of real victimhood,[link widoczny dla zalogowanych], they need help getting out. But once a victim has been set free, they must forgive and forget. Practically speaking,[link widoczny dla zalogowanych], forgiveness means to get rid of the beliefs that got them into the situation in the first place.
If our child is constantly being bullied,[link widoczny dla zalogowanych], it is because the child has been taught to accept what others say as true. Often bullied children want so badly to be good; they are often blindly obedient. We must teach them how to discriminate between true and false. We must help them to realize that what the bully says is not true. Bullies have a knack for finding the places that we feel most insecure; they find our beliefs with ease. And if we remove the wound, we render the bully powerless. But if we allow the child to claim victimhood advantage, we are handicapping them for life.
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PostPosted: Sun 14:30, 01 Sep 2013    Post subject:

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Xue Yeshuai watched Chen Shijie down in Minjiang, let Chen Shijie go on the road of no return. face was "demonizing" predicament, but also to establish a "serving the people" the law enforcement concept. the organization is an international non-profit organization, allegedly in the management of company registration,[link widoczny dla zalogowanych], According to relevant sources, the thunder team may not be today's achievement. police Liao Yuanzhen intern lumbers and sacrifice. Zhang Lin 3 people arrested in Xiamen.
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PostPosted: Mon 8:17, 02 Sep 2013    Post subject:

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PostPosted: Mon 1:10, 16 Sep 2013    Post subject:

Some research suggests that eating multiple, small meals in fact,[link widoczny dla zalogowanych], creates the groundwork for diabetes by continually overworking the pancreas (and liver).
Unless you are a bodybuilder or competitive athlete like Olympic swimmer, Michael Phelps and burn some 12, 000 calories per day, a sensible eating style and training program will go a long way to reducing fat and increasing health. Cut out sugar,[link widoczny dla zalogowanych], exercise intensely a couple of times per week, increase protein and avoid as many chemically processed, un-natural foods as possible and your inherent health will rise to the surface.
That was the advise of one of my first nutrition teachers. The reason he said is that so many people read a book, follow a twitter feed or pick up a magazine and now they are nutrition experts. At least with electricians,[link widoczny dla zalogowanych], people are truthful. They know that they really don’t know and reading a book or the Electrician Blog may help,[link widoczny dla zalogowanych], but it does not make them an expert.
For starters, pick up any medical text and you will see that the pancreas is designed to release insulin 2-3 times per day. That is the ideal. Yes,[link widoczny dla zalogowanych], if you eat 8 times per day,[link widoczny dla zalogowanych], it will release insulin 8 times. Using an analogy, the heart is capable of beating over 180 times per minute but that is under duress,[link widoczny dla zalogowanych], not optimal, health-inducing conditions. There is a huge difference health wise between natural workings and continual over working of any organ,[link widoczny dla zalogowanych], gland or system.
Unless your body has been deprived of food for an extended period of time – at least one full day, the body does not go into any type of starvation mode or anything of the like. It has also been shown that it takes 2-3 weeks on extremely low-calorie fad diets (Ex/ HCG Diet of 500 calories per day) for your body to begin adjusting its metabolism. (From the Textbook of Medical Physiology).
Miscellaneous
There are additional factors here that make the 5-6 meals per day notion useless . For additional reading, please go to . . . . This article, albeit it technical, is one of the best I have come across which dispels this notion.
Metabolism
Be an electrician. It is easier. ,[link widoczny dla zalogowanych]. ,[link widoczny dla zalogowanych]. .
Pancreas
The extension of the 5-6 meals per day myth is that we need to feed our muscles, lest they waste away. Also it will slow our metabolism if we do not eat every 3 hours.
As a result of this,[link widoczny dla zalogowanych], a number of ill-advised pieces of nutrition get circulated. One of the biggest disasters is the notion that we should be eating 5-6 smaller meals per day.
Have you ever noticed that it is always the reasonable,[link widoczny dla zalogowanych], steady approach that survives the test of time?
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I once had a client who had a very wimpy-sounding voice. Upon meeting this man and shaking his hand, I knew that his voice was a lie because his handshake was firm, his posture was straight and his head was held high.


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