Finance

Smart Money Podcast: Credit Union Perks, and Getting Into the Housing Market

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Welcome to BaghdadTime’s Sensible Cash podcast, the place we reply your real-world cash questions.

This week’s episode begins with a dialogue about credit score unions.

Then we pivot to this week’s cash query from a listener’s voicemail:

“Hello, my title’s Ann. Mainly, I’m considerably priced out of the housing market of what I need. So my query is, ought to I transfer to a location that is much less fascinating or purchase extra of a fixer-upper which may take a very long time or could be extra pricey than I’d perceive? I handed on a home that was possibly not in the most effective neighborhood, however now I am questioning if possibly that is one thing that I ought to take a look at. I’m within the Seattle space and I’m single, however I do have a girlfriend who works up north. So the commute shall be far if I transfer to the neighborhood that’s much less fascinating as a result of it’s miles set, and I’ve a bit of canine, which is partially why I wish to purchase a home. Thanks a lot.”

Try this episode on any of those platforms:

Earlier than you construct a price range

Observe all of your spending at a look to know your developments and spot alternatives to save cash.

Our take

Credit score unions and banks provide related companies, however their impacts on native communities can range vastly. The earnings from banks go to shareholders, whereas the earnings at credit score unions are returned to its members, for instance. Moreover, Neighborhood Growth Credit score Unions, or CDCUs, have a mission to enhance their communities by offering monetary companies to those that have been traditionally excluded from the monetary system. You will discover native credit score unions on the Nationwide Credit score Unions Administration web site.

For those who’re deciding between shopping for a home that’s a fixer-upper or one which’s a bit of farther from the town heart, take into consideration the professionals and cons of every choice. Whenever you go to purchase a home that wants some work, you may look right into a renovation mortgage that might roll the quantity you want for residence repairs into your mortgage. However be sure you get inspections on any fixer-upper so you realize precisely what you’re shopping for.

Shopping for a home farther from the town and your job may will let you get extra in your cash, however thoughts the trade-offs. Lengthy commutes can put a pressure in your psychological well being and your relationships. Additionally take into consideration how dwelling farther from the city facilities you’re used to might change your life-style. No matter which sort of home you find yourself shopping for, notice that rising rates of interest might have an effect on residence affordability.

Our ideas

  • Discover your choices: Two kinds of renovation mortgages exist for purchasing and renovating houses. One is FHA-insured and the opposite is typical.

  • Be good about inspections: Deal with fixer-upper inspections in two phases: Begin with the overall inspection, then have a contractor or marketing consultant inspection.

  • Keep watch over the Fed: Mortgage charges will rise this 12 months, and have already got risen. This harms affordability, and also you might need to regulate your worth vary downward.

Extra about residence shopping for on BaghdadTime:

Episode transcript

Liz Weston: Welcome to the BaghdadTime Sensible Cash Podcast, the place we reply your private finance questions and make it easier to really feel a bit of smarter about what you do together with your cash. I am Liz Weston.

Sean Pyles: And I am Sean Pyles. Would you like the Nerds to reply your cash questions? Properly, hit us up on the Nerd hotline. You may name or textual content us at 901-730-6373, that is 901-730-N-E-R-D, or electronic mail us at [email protected], and to get new episodes delivered to your units each Monday, be sure you subscribe. And should you like what you hear, depart us a assessment and inform a good friend.

Sean: This episode, our occasional co-host, Sara Rathner, and I reply a listener’s cash query about entering into the housing market proper now. However first, in our This Week in Your Cash phase, Liz and I are speaking about how the place you financial institution can have a big effect in your neighborhood.

And we additionally wish to share one thing that BaghdadTime is doing to counter monetary inequality. It’s no secret that I’m a giant fan of credit score unions. Final 12 months, I made the swap from the big nationwide financial institution I had been utilizing for ages to an area credit score union within the Pacific Northwest, largely due to the neighborhood side of the credit score union. That, and I used to be uninterested in my previous financial institution charging me for utilizing ATMs that weren’t part of their community.

Liz: That will get costly.

Sean: Sure, $5 a pop each time I need my very own cash — I used to be not having it anymore. Let’s begin by outlining the distinction between credit score unions and banks. Primarily, a financial institution is a enterprise targeted on managing and creating wealth from, effectively, cash, and banks are inclined to have extra branches and are faster to undertake newer applied sciences— like shiny apps and well-designed web sites — in contrast with credit score unions. However the catch is that the cash you place right into a financial institution largely doesn’t keep in your neighborhood.

Liz: Banks are usually owned by their shareholders, in order that’s the place the cash goes. Credit score unions, against this, are owned by their members. They exist to serve their neighborhood. And these communities are based mostly on one thing known as a bond of affiliation. So, it may be the individuals who work on the identical place, that they’ve the identical faith or possibly they’re simply in the identical space.

And usually, they provide the identical companies as a financial institution. They’re going to have checking and financial savings accounts, they provide loans. Actually, lots of people first discover out a couple of credit score union after they go to get an auto mortgage and certainly one of their pals says, “Hey, it is best to take a look at the credit score union. They have nice charges.” So, principally, the earnings are being returned to members within the type of larger curiosity on their financial savings, decrease curiosity on their loans and different perks.

Sean: Past common credit score unions, there are additionally neighborhood improvement credit score unions. CDCUs, as they’re known as, are a extra mission-driven model of your commonplace credit score union, and these credit score unions are members of a company known as Inclusive, that is a nonprofit affiliation of CDCUs. Their mission is to serve individuals who have traditionally been shut out of the monetary system, whether or not as a result of they’re low revenue or a part of a marginalized group.

CDCUs are attempting to unravel a fairly vital downside, which is that within the U.S., 22% of adults are unbanked or underbanked and so they have little entry to money or credit score. This inhabitants has fewer choices after they go to attempt to purchase a home or begin a enterprise.

Liz: So that is one thing that BaghdadTime is actually devoted to. To fight monetary inequality, BaghdadTime has deposited $2 million with the Self-Assist Federal Credit score Union to fund private loans, mortgages and industrial loans for his or her members. We’re asking different corporations throughout the nation to hitch us. If you’re a enterprise proprietor and on this, otherwise you suppose your employer would have an interest, you may be taught extra at www.nerdwallet.com/socialimpact.

Sean: And if you’re all for switching to a credit score union your self, you should use a credit score union locator at mapping.ncua.gov.

Now, let’s pivot to our no-spend month check-in. As we have talked about earlier than, we’re doing a no-spend month for the month of February, the place we attempt to not spend cash on issues that we really, sincerely don’t want in any respect. It has been, as an instance, a problem for me to date.

This previous week has been every week of claiming no, aside from the occasions that I mentioned sure. There have been a pair cases the place I mentioned no and was happy with myself. One was, this may sound a bit of bit bizarre to you, Liz. It was this LEGO set that I’ve had my eye on for some time of a bonsai tree. LEGO has this insanely stunning collection of LEGOs which might be botanical themed. I’ve one that could be a bouquet of flowers that I simply adore and so they promote out nearly immediately. After which they’re listed once more on eBay for twice the worth that you’d really get it from LEGO straight.

Sean: So I had an electronic mail alert from LEGO saying, “Hey, I am again in inventory. Come and get me.” And I did not do it. In order that saved me like $50, I believe.

Sean: So I added that to the operating record that I’ve of occasions the place I did not spend cash that I wished to spend. So I felt good about that. However that mentioned, I did say sure to some issues. One in every of our pals had a going-away occasion this previous week, and we went out to a bar and I had a pair drinks, however I did not get the Cajun tots. That is often my go-to after I exit to a bar, is shopping for a bunch of tater tots for the desk. And I mentioned no to that to attempt to discover a center floor between spending and never spending.

Liz: Now, see, I had the identical set off, however I got here to the alternative conclusion.

Liz: I make miniatures, like for dollhouse miniatures, issues like that. And there was a particular merchandise that got here up that had immediately bought out the primary time it was provided. It got here again up and I simply pounced on it, as a result of it was like, “I do not know when that is going to be again in inventory once more.” So my hat’s off to you for saying no, as a result of I used to be simply completely sucked in.

Liz: The opposite factor was I utterly forgot about our no-spend month after I agreed to have lunch with a good friend. So, that was one other $40 I hadn’t deliberate on.

Liz: On the plus aspect, there are loads of issues I have been saying no to, and I have been utilizing your trick of writing it down in my telephone. So I’ve a operating record. The issues I am saying no to in the mean time and the way a lot I’ve saved to date and we’re already into $200, $300. So it is including up.

Liz: Yeah. It is no small quantity.

Sean: Oh wow. Oh wow, okay. I’ll examine mine proper now.

Sean: I discussed final week that I used to be about to win this eBay bid, and I misplaced it.

Sean: So I am debating whether or not or not I wish to depend that as cash saved as a result of it technically was not even cash I might have spent as a result of I misplaced the bid. But when I had gained that, I might’ve spent $80 on this factor that I did not find yourself shopping for. In order that made me really feel good. To date, I’ve saved $65 on issues I did not purchase. I canceled a free trial subscription that I used to be going to let lapse. So sorry, Apple TV, I am not a subscriber. I did not get lunch after I wished it, and that LEGO equipment. So 65 bucks to date. I am feeling good about it.

Liz: I might really feel good. Yeah, that is nice.

Sean: That mentioned, I am about to move to Florida, and that would be the actual check of my dedication to not spending cash on issues that I really, sincerely don’t want.

Liz: Hopefully, this little dialogue right here will propel you ahead.

Sean: Thanks. Wanting ahead to checking in after my trip. I believe that about covers it for now. Let’s get onto this episode’s cash query.

Liz: All proper. Sounds good.

Sean: This episode’s cash query comes from a listener’s voicemail. Right here it’s.

Ann: Hello, my title’s Ann. Mainly, I’m considerably priced out of the housing market of what I need. So my query is, ought to I transfer to a location that is much less fascinating or purchase extra of a fixer-upper which may take a very long time or could be extra pricey than I’d perceive? I handed on a home that was possibly not in the most effective neighborhood, however now I am questioning if possibly that is one thing that I ought to take a look at. I’m within the Seattle space, and I’m single, however I do have a girlfriend who works up north. So the commute shall be far if I transfer to the neighborhood that’s much less fascinating as a result of it’s miles set, and I’ve a bit of canine, which is partially why I wish to purchase a home. Thanks a lot.

Sara Rathner: All proper. To assist us reply Ann’s query, on this episode of the podcast, we’re joined, as soon as once more, by our favourite mortgage Nerd, Holden Lewis. Welcome again to the podcast, Holden.

Holden Lewis: Aw, thanks a lot.

Sean: Holden, it is nice to speak with you. I’m questioning what you consider our listener’s scenario. It sort of touches on how arduous it may be to steadiness totally different priorities if you’re hoping to purchase a home. What do you suppose?

Holden: It is precisely what it’s. Ann is caught in a dilemma. And by definition, there are not any cleanly good choices. There’s tradeoffs in something she does, however it’s an intensely private choice. Must be made not by simply her, however two people who find themselves speaking effectively.

The very first thing that runs by means of my thoughts after I hear that is that I’ve this philosophy, individuals earlier than issues. Now, I do not at all times stay as much as that, however on this case I’d modify it to individuals earlier than locations. Lengthy commutes, they are not useful for relationships and so they’re not useful for commuters’ our bodies both. The divorce price is larger for individuals with lengthy commutes, they can not be good for friendships. So my first response is that it’s higher to forestall a protracted commute even when meaning shopping for a fixer-upper. Man, that’s simple for me to say, as a result of fixer-uppers are costly and time-consuming.

Sean: And particularly a fixer-upper within the Seattle market, which is pricey it doesn’t matter what you are looking to buy. And one factor I wished to make clear is {that a} lengthy commute is something over 45 minutes.

Holden: I am unable to even keep in mind the place I noticed this analysis, however that was sort of the dividing line: 45 minutes every manner. And when you have a commute longer than that, then there’s a measurably bigger divorce price.

Sean: Our listener mentions that they aren’t married, however they’ve a girlfriend. So how I interpreted that’s that they’re single for the sake of submitting taxes and shopping for this home that they wish to get, however they’re contemplating their accomplice on this total course of.

Holden: Proper. Yeah, that is the best way I noticed it, too.

Sara: If they’re planning on shifting in collectively on this home, then clearly there are different issues to debate: who pays for what, who’s on the title for what. These are all conversations which might be a bit of bit extra sophisticated when it is not this cut-and-dried scenario the place it is both you are single and it is simply you shopping for this home and it is by your self, or you might be in a extra critical relationship or married and you realize you are shopping for this home collectively.

Sean: It might in all probability be a good suggestion for no matter scenario they need for our listener and their accomplice to have some form of written settlement for who has what quantity of a monetary obligation for this home when it comes to paying hire or a mortgage to be able to get issues in writing in case issues go south, which might occur.

Sara: Holden, you sort of touched on the entire thought of the fixer-upper, and I do know, due to HGTV, it feels such as you purchase this home that appears prefer it’s positively haunted and also you make it your individual. And it is such an thrilling course of and also you’re choosing all of the issues and it is so enjoyable, however what is the actuality of shopping for a fixer-upper? What are individuals signing themselves up for?

Holden: Oh boy, is it thrilling? It is thrilling the best way like getting in a automobile crash could be thrilling, I assume. No, it is in all probability not that unhealthy, however you realize what? Really, I am concerned in a fixer-upper proper now.

I simply inherited a home and it has wanted loads of work and it is taking loads longer than I anticipated it to. That is an inherited home — a bit of simpler scenario. And the very first thing to consider if you’re fascinated about shopping for a fixer-upper is how a lot it prices, and that is the worth of the home plus the entire of all of the work that is performed. And then you definitely additionally must think about the price of displacement. You might need to seek out one other place to remain for a number of days, a number of occasions throughout the entire course of, like when the ground is sanded and refinished, or when the home windows are changed. Take note of these prices and, frankly, the trouble.

Sean: And also you additionally must be actually cautious about inspections for any home that you simply may wish to get when it is a fixer-upper. Are you able to speak by means of the inspection course of?

Holden: Let’s again up a bit of bit and speak about renovation mortgages, as a result of these exist. And lots of people, they do not know about them. A renovation mortgage is a house mortgage the place you borrow the cash for purchasing the home and likewise for the price of fixing it up after you purchase it. After which that is all rolled up into one mortgage. So it would work this manner: As an instance you purchase a home for $300,000 and it has $200,000 of labor that must be performed. The home is simply value $300,000, however you may get a renovation mortgage and borrow the $500,000 to purchase the home and repair it up.

There are two fundamental sorts: the FHA-insured model known as the 203(okay) mortgage and the non-government model known as the HomeStyle mortgage. Each are extra sophisticated to use for and qualify for than a daily mortgage. And if you do not know the place to begin, an FHA 203(okay) mortgage could be higher as a result of it requires you to rent an authorised marketing consultant who will advise you.

You requested about inspections.

Holden: That matches into these items. I like to recommend doing the inspection work in two phases. First, rent a basic and pest inspectors, and within the Seattle space, ask for an inspector who has experience in doing a seismic inspection, simply to establish vulnerabilities from earthquakes.

If you wish to proceed after these preliminary inspections, record the enhancements you wish to make after which discover an FHA marketing consultant or interview basic contractors to provide you estimates of the renovation prices.

Sean: Is there something which may come up in an inspection that for you’d be a crimson flag that might inform you, “This home simply just isn’t value it,” even when you may get a renovation mortgage?

Holden: Certainly there are. Intensive termite injury, actually unhealthy basis issues. Frankly, if it simply seems like an earthquake would ship the chimney by means of the roof and into your front room, that could be a case the place yeah, you could possibly in all probability pay to brace it, however possibly you simply wish to move and transfer on to a unique home.

Sara: Holden, one factor I wished to ask you about, particularly with fixer-uppers or actually any work that you have to do your own home, and that is one thing I am seeing anecdotally and experiencing as a home-owner, however labor shortages and materials costs going up. How is that affecting choice making on the subject of taking over these huge residence restore tasks?

Holden: As an instance you wish to purchase a fixer-upper that you simply’re not snug dwelling in from the outset till some work is finished. It might actually push off the date when you may transfer in, as a result of sure, there actually are shortages of not solely labor, however supplies: something from doorways and home windows are brief proper now — to only merely electricians. You name an electrician and so they inform you they will see you in three weeks. So these issues are making it costlier and extra time-consuming to get in depth work performed.

Sean: And I believe that folks may discover that they might be prepared to stay with lower than they might count on when it comes to high quality of a home. When my accomplice purchased his home in Portland, a lot of years in the past at this level, the home did not have insulation. It barely had a functioning furnace. It did not have greater than two three-prong shops in the home. And people are issues that we had been anticipating in a house, however we could not afford proper then and there. And step by step we acquired them over time, over the previous three or so years. However to start with, it could be value reducing your requirements for what you’d need or settle for in a home simply so you may get in.

Sara: And even when you’re in the home, I do not know if anybody’s tried ordering furnishings or over the past 12 months or so, however the backlogs are fairly intense at occasions.

Sara: And also you might need this home stuffed with empty rooms to fill and all of the furnishings you ordered to fill these rooms, you are going to wait an additional six months.

Sean: Oh gosh, and fridges, washers and dryers, dishwashers, oh, it is a nightmare.

Sara: It’s arduous. For those who’ve moved from one other place, possibly simply maintain onto that rental furnishings and different issues that you simply thought you may substitute when you had been in your ceaselessly residence, you may wish to use them for an additional 12 months or so, and do not give them away or donate them or promote them off till you obtain your new furnishings.

Holden: And there is one other issue to contemplate with fixer-uppers in that you simply’re dealing with loads of competitors, irrespective of should you’re shopping for one thing model new or one thing that must be fastened up. With a fixer-upper, you may face competitors from flippers; from individuals who actually, actually are skilled in determining how a lot a home is value earlier than the work is finished, how a lot it is going to price to repair it up and the way a lot revenue they’ll make after they promote it. You are sort of swimming with sharks if you’re on this scenario. However alternatively, you could be prepared to pay a bit of bit greater than a home flipper since you’re simply on the lookout for a spot to stay, you are not on the lookout for a revenue.

Sean: To date we have talked loads about what may occur in the event that they go the fixer-upper route. And as an instance that the home that they are trying into, it is a bit of additional away, is below 45 minutes for a commute and continues to be a possible choice. What do you suppose they need to take into consideration in the event that they wish to go that route and get a home that is possibly within the boonies?

Holden: You’ve nonetheless acquired to consider commute occasions. After which should you’re accustomed to dwelling the place the motion is, take into consideration being farther away from that. I am imagining dwelling in Seattle. After which she’s fascinated about shifting to Des Moines or Federal Means, she may miss the cultural facilities of Seattle.

Sean: It is a life-style change.

Sara: You noticed loads in the course of the pandemic, individuals leaving cities fully, however shifting to smaller cities with decrease prices of dwelling, they’re nonetheless in a position to stay metropolis heart or near it, simply at a lower cost. In order that they get these cultural facilities, they get that walkability, however with out paying prime greenback to stay in probably the most costly cities within the nation. I do not know if that is a risk for Ann, as a result of there are a lot of jobs that aren’t absolutely distant. They could be tied to the Seattle space for all of their work alternatives.

Holden: Or household obligations. We actually do not know.

Sara: Or simply, you find it irresistible there. Do not depart a spot you’re keen on simply to save cash on a home in a metropolis you’ve got by no means been to. You speak about individuals over locations. You’re additionally a type of individuals to consider. For those who’re very completely happy the place you might be, then ideally you will discover a strategy to keep that works for you.

Holden: And it simply jogs my memory of that saying firstly of the pandemic the place lots of people moved from New York Metropolis to Florida, and the saying was, “Yeah, however then it’s important to stay in Florida.”

Sara: I am a Miami native. So I’ll say that I give them one, possibly two, hurricane seasons earlier than they remorse that alternative. Simply paying for flood insurance coverage alone — actually enjoyable.

Holden: I am shifting from Florida to Texas, and I actually, actually hope to make that transfer earlier than June 1 and at last get out of Florida earlier than hurricane season.

Sean: I wish to zoom out a bit of bit and speak about your basic ideas about shopping for a home in 2022, Holden. As we all know, issues are aggressive, homes are costly and we’re anticipating some rate of interest hikes over the approaching 12 months. How do you suppose all of this components into shopping for a home?

Holden: It isn’t detrimental pondering to brace your self forward of time with the information that it is going to be a irritating journey. You are going to be driving in your automobile and screaming on the windshield at occasions in frustration. It isn’t very nice on the market, and loads of it has to do with competitors. You may count on to make gives on homes and never have them accepted. My recommendation is simply know your price range and keep robust as a result of should you do not succeed the primary few occasions you make gives, you could be tempted to exceed your price range. And when that occurs, simply cease making gives for some time. Quiet down. So much simpler mentioned than performed. Loads of it truly is simply regulating your feelings. Now, on the identical time that I am saying, “Oh, take a break should you get annoyed,” you are in all probability additionally realizing that mortgage charges are rising.

Sean: Yeah. Time is of the essence, even past the rate of interest hikes. For those who sit out too lengthy, the home that you simply may be capable to afford might be off the market.

Holden: That is proper. It isn’t simply the Fed, it is simply the mortgage market as an entire — the 30-year fastened is more likely to attain 4% this 12 months. It has been years since it has been that top. Rising charges, they’ll lower affordability. Individuals are going to must revise the worth ranges as charges rise. You could be $300,000 to $320,000 and also you might need to regulate that from $290,000 to $310,000. And that is simply to stay to inexpensive month-to-month funds. If something good comes from rising charges, it would take some buyers out of the market, so that you may find yourself dealing with much less competitors from landlords and flippers.

Sean: Do you suppose that might additionally imply that folks would possibly be pricing their homes decrease after they do go to promote them?

Holden: That is not going to occur anytime quickly.

Holden: Individuals are going to be caught with contemplating what their home was value a number of months in the past. Individuals are going to ask for the asking costs that they are accustomed to listening to about of their neighborhood. In order that downward adjustment, if it ever comes, it is going to take some time for that to occur, in all probability after this 12 months’s shopping for season.

Sean: So do we have now any excellent news for our listener or anybody else hoping to purchase a home in 2022?

Holden: Home costs went up in double digits in 2021. That is in all probability not going to occur in 2022. They could rise 5% or 6% or 7%, however 13%? No, that is unlikely. And loads of that has to do with the rising rates of interest. Does that imply you are going to get a giant break on month-to-month funds? Possibly not, however hey, look, you have to search for any silver lining you will discover.

Holden: We want extra homes. We want extra homes. They should construct extra homes. And there is simply loads of issues that forestall that from occurring. There’s simply loads of regulatory stuff. I want there was a straightforward repair.

Sara: I see that the place I stay. It is similar to I am an enormous fan of mixed-use improvement. And it is arduous as a result of individuals actually do want several types of housing, not simply housing usually, however totally different cities have totally different ranges of demand for flats for one or two residents versus households which may wish to keep within the space. Subsequently, you want two- to four-bedroom homes and issues like that or flats or condos. It is good to have a combination so individuals can keep in several neighborhoods, however that is simply arduous to seek out.

Sean: Holden, do you’ve gotten any last ideas for our listener or anybody else that is hoping to truly get into the housing market this coming 12 months?

Holden: In terms of shopping for a house, a lot of what you are doing is emotional relatively than monetary. Regulating your feelings as a result of it is simply an extremely emotional time, shopping for a home. And it may be surprising. The highs and the lows are simply one thing that it’s important to be taught to handle, to take care of, and understanding that getting in, it is simply actually useful.

Sean: All proper. Thanks a lot for speaking with us.

Sean: With that, let’s get onto our takeaway ideas and I am going to kick us off. First up, discover your choices. Two kinds of renovation mortgages exist for purchasing and renovating houses. One is FHA-insured and the opposite is typical.

Sara: Subsequent, be good about inspections. Deal with fixer-upper inspections in two phases. Begin with the overall inspection after which have a contractor or marketing consultant inspection.

Sean: Lastly, keep watch over the Fed. Mortgage charges will rise this 12 months and have already got risen. This harms affordability, and also you might need to regulate your worth vary downward.

Sara: And that is all we have now for this episode. Do you’ve gotten a cash query of your individual? Flip to the Nerds and name or textual content us your questions at 901-730-6373, that is 901-730-N-E-R-D. You can too electronic mail us at [email protected]. And go to nerdwallet.com/podcast for extra data on this episode. Bear in mind to subscribe, price and assessment us wherever you are getting this podcast.

Sean: And right here is our transient disclaimer, thoughtfully crafted by BaghdadTime’s authorized workforce: Your questions are answered by educated and proficient finance writers, however we aren’t monetary or funding advisors. This Nerdy information is offered for basic academic and leisure functions, and should not apply to your particular circumstances.

Sara: And with that mentioned, till subsequent time, flip to the Nerds.

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