Cherish On Christmas Eve With Bad Credit Rating Christmas Loan

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Jul 132022
 

In order to enjoy life at fullest, we need a reason for celebration. And Christmas is regarded as festive season which embraces of gifts, cakes and winters. There is belief that on Christmas Eve, Santa comes and fulfills the wishes of people. Sometimes, it is seen that many people keep themselves away from celebrating this great occasion just of the financial reason. However, now they can also celebrate this occasion with Santa and their loved ones by means of bad credit rating Christmas loan.

Bad credit rating Christmas loan is especially designed for those suffering from financial crisis. Like other loans in the financial market, bad credit rating Christmas loan can also be availed in two forms: secured and unsecured. And, the person can choose from them as per his choice and needs.

Along with celebrating Christmas occasion with bad credit rating Christmas loan, the person can also improve his credit score, by making timely repayments of the loan.

Financial market has number of banks, financial institutions and building societies who offers bad credit rating Christmas loan. But, the person is needed to search the lender who offers low and competitive rates. And this is only possible through thorough research and comparison. The person must not forget to ask for the loan quote, which is provided free of cost by the lender. Loan quote also makes the comparison easier as it embraces of the total cost involved in the loan deal.

While entering in the agreement of bad credit rating Christmas loan, the person must make sure it doesn’t contain any hidden costs. Along, that going through the clauses of the loan agreement is obligatory because a single unfavorable clause or term can emerge as hurdle while making repayments.

Now, it’s time for celebrating Christmas! Sing your jingle and enjoy each and every moment with bad credit rating Christmas loan.

How to Pay Off Debt

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Jul 122022
 

Dealing with credit card debt is not as hard as you may think. If there’s
any consolation, you’re not the only one facing such situation. At some
point, many people like you face financial crises with credit card debt.

More and more consumers today find themselves in the uncomfortable
situation of only being able to afford the minimum payments on their
credit cards. Or, even worse, not being able to afford even the minimum
payments. In today¡¯s world, it is often easy to get in over your head and
find yourself spending more than you make. It seems that everything is
going up but wages, and it is all too easy to fall behind.

Learn more ways to reduce debts today. A basic loan is the simplest form
of debt. It consists of an agreement to lend a principal sum for a fixed
period of time, to be repaid by a certain date. In commercial loans
interest, calculated as a percentage of the principal sum per annum, will
also have to be paid by that date.

On top of necessary expenses, many consumers dig their debt rut even
deeper when they rely on credit cards to pay for necessary goods and
services.

How to Pay Off Debt

Michael and Ronnie have been dating for quite awhile. Less than a year
later, the couple decided to get married. The expenses for the ceremony
were way beyond the means of both that until now, the couple is still
paying off this debt.

What is debt? This means something a person owed. This is usually in the
form of money with corresponding interests given back to the creditor. Is
it easy to pay off a debt? Yes but it is going to take some hard work and
sacrifice before the individual can live a considerate lifestyle again.

The reality is that there isn’t enough money to pay off the loan in one
swift stroke. This is because the spouses have to also spend on other
things for daily living such as rent, gas, food and clothes.

One way to pay off debt slowly will be borrowing money from family and
friends. A certain amount can be collected and returned later on without
returning this back with interest. It sometimes takes two heads or more
to work better than one. If the couple has a hard time controlling the
expenses, perhaps getting the help of a financial expert is in order. These
professionals can deal with the banks and even consolidate the remaining
amount by up to 40%.

If you do not have a savings, account open one. Make sure that the
account does not have fees or interest rates attached. If you have
difficulty-managing money you may want to open a Paypal account and
apply for a debit card online. This account not only protects you against
identity theft, it also makes it difficult for you to get money right away.
Put your debit card where you can’t find but in a safe place.

Individuals or families in debt run the risk of loosing their home, vehicles,
or other assets. Many of those who do not own a home or other
obtainable assets are likely to never be able to own one. If you have debt
and that debt includes two or more monthly payments to lenders at high
interest rates, you do not need to be held hostage by burdensome
repayment plans. Combine what you owe with a debt consolidation loan
and watch your monthly payments and overall debt drop dramatically.

Find out how long it will take to become debt free and how much you’ll
pay in interest by making the minimum monthly payments. For many who
buy wisely, the equity could be substantial. A home equity loan can be
used to pay off high dollar items, pay for college tuition, and be used to
pay off those high-end credit card accounts.

The spouses will have to write down all the expenses. The expert will
then help cross out those that aren’t important. As long as the two
follow the plan, a calculation can be made as to how long before the debt
is paid. Aside from dealing with this situation in one front, the couple
mustn’t forget to deal with rent and other bills that come at the end of
the month. Being focused on one and neglecting the other can also do
some damage.

The worse thing is getting a bad credit rating, which will make it difficult
for anyone to apply for a credit card or a much needed loan in the future.

People must remember that it is one thing to spend on something and
another when getting the bill and reading the fine print. The only way to
get out of a debt is to pay for it. By getting help from people and learning
to spend within the available means, Michael and Ronnie can recover from
this obstacle and work hard to prevent it from ever happening.

Debt Consolidation- Debt Consolidation is an easy and timely alternative. A
Debt Consolidation Counselor will evaluate your current situation and past
debt and develop a budget for you.

In a credit card debt consolidation, your average interest rate may be
reduced. All your loans can also be transferred to one single card that has
a lower interest rate than the ones you are currently paying.

The average American household carries almost $20,000 in credit card
debt. When this is added to the mortgage and auto loan found in the
typical home, the debt can become overwhelming.

The first step toward taking control of your financial situation, is to do a
realistic assessment of how much money you earn and how much money
you spend. Start by listing your income from all sources. Then, list your
“fixed” expenses ¡ª those that are the same each month ¡ª like mortgage
payments or rent, car payments, and insurance premiums.

Bad Credit Loans – Skip Credit Barriers Easily

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Jul 112022
 

With almost every borrower being under smaller or larger debts these days, lenders have little options other than to approve loans for bad credit people in order to stay in the cut-throat loan market. It has only made bad credit loans availing easier for the borrowers. But while opting for bad credit loans, some of its key aspects should be kept in mind for a beneficial deal.

The best way for offsetting bad credit factor is to put your valuable property like home or automobile at stake as collateral with the lender. In doing so, you drastically cut risks for the lender. Secured bad credit loans therefore even come with some advantages. For instance if the borrower has good repaying capacity and holds a sound bank statement, then he can be ensured of a lower interest rate. Secured bad credit loans can be paid back in larger repayment duration, making the loan less burdensome for the borrower. What is more, the lenders may approve a greater amount as secured bad credit loans if the borrower needs so.

For unsecured bad credit loans, however the borrower shall have to make extra efforts for assuring the lender of the timely repayment of the loan installments. The borrower should take a convincing repayment plan along with documents of income and employment for showing to the lender. If your credit scored has not slumped much, the lender may approve the loan on the basis of repayment capacity. So check your credit score before approaching the lender. Lenders approve smaller amount under unsecured bad credit loans at higher interest rate. The repayment duration also is kept shorter for cutting risks.

Bad credit people can settle for a better and advantageous deal if they first compare various bad credit loans providers for individual interest rates. See if the lender specializes in offering bad credit loans as he may make the loan availing look a hurdle free affair for you. Also pay off bad credit loans installments in a regular manner for improvements in your credit score so that loan availing in future becomes easier.

Cheap car loans – Look no further

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Jul 102022
 

A car is not a luxury… It is simply a very basic necessity. Gone are the days when people used to first save and then buy a car… In fact, nowadays, many people change cars like mobile phones. This trend has resulted in an increased demand for car finance, all over the world. Take advantage of the growing competition in the car loan market to get a fair deal. Financial institutions are actually looking for people looking for cheap car loans.

It is a general rule, ‘the higher credit score one has, the lower interest rate one gets on his auto loan’, i.e., people with a good credit score can negotiate for a low interest rate deal. Hence, the first practical thing to do is to find out the credit rating one has in the market. If, unfortunately, it is not as good as it should be then one should wait for a couple of months to attain and maintain a good credit rating. Conversion or saving money for a sizeable down payment also helps in getting a good deal. Investigate to find out which ensures the finest deal.

Auto loans are secured in nature, i.e., the very same vehicle serves as collateral for the loan amount. Therefore, it is very important for the borrower to stay focused on his goal of getting the most for his money, and to save as much as he can on his auto loan. In that direction, one should resist alluring offers from aggressive salespeople to stay away from buying an expensive model, or other car related products and services. Hence, it is recommended that one should search for the required car model and its related products, along with the required finance.

Many car dealers too try to offer cheap car loans to prospective clients. However, their offers are usually more expensive than those offered by a bank or a credit company. As it is the buyer’s market, one is free to choose or refuse any offer. Collect loan offers from several finance institutions; compare their quotes with regard to interest rates, fees and terms to get the best possible deal. Nowadays, the easiest way to search for loan offers is to go online. Save your valuable time and indispensable energy – use the Internet.

Reach Impossible Goals with Personal Tenant Loans

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Jul 092022
 

Being a tenant does not imply that you will not encounter a financial crisis in your lifetime. Earlier very few tenants were approved loans at the time of financial crisis. But with the passage of time market trends have also witnessed a change. Now, you can easily find a large number of lenders offering personal tenant loans. However, it is advised to have complete information about the loan you may be opting for. Let us discuss all the relevant details about personal tenant loans.

Personal tenant loans are synonymous with personal unsecured loans. As tenants do not have a home of their own and for these loans do not mandates any collateral to secure the loan amount. So these loans are most suitable for tenants, students, people living with their parents and non homeowners.

For personal tenant loans, you can borrow somewhere in between £1000 to £25,000 along with a repayment period of 6 months to some years. The interest rate of these loans is usually higher than the secured ones due to high risk involved. Personal tenant loans do not pose threat on your assets, but, it does not mean that you are free from the obligation of repaying the loan amount. Any deferment in the repayment of the loan amount, your lender will have every right to take legal action against you. So be very sure with the repayment. Always borrow up to a limit, which you require and can repay easily.

You can use personal tenant loans for any of your financial purposes. From holiday purpose to home improvement and debt consolidation to wedding purpose, you can use it for all such purposes.

If you want nominal rates, you can make your search through various online sources. There you will find innumerable lenders offering personal tenant loans at a single place. Thus, it will save much time and effort. One more advantage of personal tenant loans is that there is no need of evaluation of assets. So, you can find quick approval of personal tenant loans. Your financial needs will not have to suffer any more; the best deal is just a few clicks away.

How to Choose a Credit Card

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Jul 082022
 

Before accepting one of the tempting offers that are coming in the mail, that urge the client to accept, thorough research is a must. The customer must find the best deal. As a credit card is a form of payment and borrowing, the terms and conditions will affect the overall cost. The best way to choose the issuer is to compare fees and terms before opening a credit account.

Some important terms must be considered in a credit card application or any solicitations that don’t require an application. When shopping for a card, the future cardholder must ask for these terms and conditions. The annual percentage rate (APR) is measuring the credit’s cost. It is expressed in an annual rate. The credit card issuer must disclose the periodic rate, which is the rate applied to the outstanding balance to see the finance charge for every billing period.

Some plans are allowing the issuer to change the annual percentage rate when an economic indicator (index) changes. These are the so-called variable rate programs. The rate changes can raise or lower the charge on the cardholder’s account. The issuer must also provide the necessary information that discloses that the rate can change, how the rate is calculated, which index is used and what additional fee is added to determine the new rate.

The future cardholder must receive all information before he becomes obligated on the account. He must know about the limitations on how often and how much his rate may change. The free period, also called the grace period, is the period that lets the cardholder to avoid the finance charges by paying the entire balance at the due date. It is important to know if the credit card gives this grace period, even if the future owner plans to apply the account in full monthly.

If there is no grace period, the card issuer can impose a charge from the date when the cardholder use his card or from the date when the transactions are posted. If there is a grace period, the issuer will send the bill at least 14 days before the due date so the cardholder will have enough time to pay.

The annual fees or participation fees are charged by most issuers. The range is $25 to $50. The charges can be up to $100 too. Gold or platinum cards are charging up to $75 usually. Transaction fees are charged if the cardholder uses the card to get some money in advance makes a late payment. These charges may appear also if the cardholder exceeds his credit limit. Some issuers are charging a fee monthly even in the case when the cardholders don’t use his card at all.

The cardholder must know also the balance computational method to anticipate how much he must to pay for purchases over the time, in the case when there is no grace period. Even if the APR remains the same, the difference can be important.

How Much Can I Make

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Jul 072022
 

How much you can make from placing articles and affiliate links on your website differs from person to person. How much you are able to make will depend mostly on how successful your site is. This means getting good search engine rankings through SEO efforts, making your site enjoyable and informative to read through engaging content, building your site around a great niche subject, how big your site is, and how many sites you have.

Some people claim to make as much as $10,000 per month ($120,000 per year) through building and promoting niche sites, however, most people should not expect this kind of success, especially if you are very new, as that kind of success usually only comes with experience and acquired skill. A reasonable income to expect from a niche site, after you have worked for months to gain traffic and are hooked up with good affiliates, may be $500-$1,000 per month. However this is recurring income, so you will make that much monthly off of the efforts you put into that one site, it is not a one shot deal.

After you have a successful site, most choose to continue to build niche sites. The more sites that you build, the better an income you can generate. Some also choose to build very fast and very short sites over sites that are slightly longer in length. It should be noted that the larger each of your sites are, the more income you will likely generate off of them.

When starting out, it is important to remember that your first site will always be your hardest, since you are just learning the ropes of the business, and that not everyone is cut out to market and promote niche sites. It may not work out for you and you may end up losing a little bit of money, but that is a risk that everyone in this business has to take.

The important thing is that you don’t give up without a good shot at it, if this is really what you want to do. Your first site may take a long time, the work may be tedious, and you may feel like throwing in the towel. However, if you give up too early, you will never know what could have been. And who knows, you may be the next great website marketer!

Ed Reuben is the owner of Learn by Audio and Video a free membership site on starting an on-line business, www.learnbyaudio-video.com Learn by University www.learnbyuniversity.com

Learn to Play Guitar Twice as Fast While Practicing Half as Much

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Jul 062022
 

If you really want to learn to play guitar well you must do one simple thing before anything else. You must learn how learning takes place between your muscles and brain. If you understand the process that your brain must go through to train your muscles your practice sessions will produce predictably effective results.

You have probably heard the term muscle memory. This is the process of your brain learning and storing a set of precise instructions for each group of muscles needed for every small task you want your fingers to perform on the guitar. When muscle memory is solidly established it becomes a naturally effortless and an almost unconscious act to play the guitar well.

These tasks need to be practiced at speeds that are slow enough so that you can consistently perform them perfectly. If you practice the guitar at a tempo that produces lots of mistakes you end up teaching your muscles how to play the exercise with the mistakes included. Unfortunately muscles cannot distinguish between playing with mistakes and playing without them.

Here are 12 tips for having practice sessions that will support the development of good muscle memory:

1. Prepare your whole body for the practice session.
Practice while relaxed. Just like an airplane pilot checks over the plane prior to take off you should check your body for any tension, stiffness, tightness, pain or any discomfort. Tight muscles can become tighter during practice which can seriously limit the full range of motion needed to master the guitar. Even tension in the shoulders can travel to the arms and then eventually to the fingers. Stretch and warm your entire body before playing in order to stay loose. Begin practicing with slow, easy exercises to prepare your hands for more demanding new material.

2. Practice in a quiet, comfortable place where you are unlikely to be disturbed.

3. Commit to a specific time each day for practice.
Begin each day with a firm commitment to a practice plan that includes the specific details of when, where and what to play.

4. Keep your practice sessions short, frequent and very specific.
It is more effective to practice 20 minutes everyday than to practice two or three hours once a week.

5. Always practice with a metronome.
Let me repeat that. Always practice with a metronome. It is surprising how often even good guitarists break this rule. Training yourself to play at a consistent tempo will make your music sound professional. This is valuable whether you plan to play just for friends at a party or in a stadium full of screaming fans.

6. Tune the guitar before each practice.

7. Determine your optimum practice speeds.
For each part of a scale, exercise or song find the fastest metronome speed that you can play without making mistakes. Practice it for a day at 25% to 30% of that maximum tempo. Follow this with a day at 50% of maximum then another day at 75%. On day four practice at your old maximum speed. You may be pleasantly surprised to find that you have a new, faster maximum speed. Be forewarned, however, that this routine might seem ridiculously slow but, hang in there because it really will pay off.

8. Do not try to learn too many different things at each practice session.
Practice only small sections of an exercise or song at a time. Working on an entire new song, all in one setting, makes it more difficult for your brain to cement solid muscle memories. Just like a newborn baby can’t handle an entire meal of solid food we need to practice only a few, small musical spoonfuls at a time.

9. Work on the problem parts not just what you already know.
This may sound extremely obvious but there is a tendency for new guitarists to play the easy parts over and over while continuing to stumble over the problem spots.

10. Spend the first ten minutes warming up, then split the remaining time equally between new exercises and new songs.

11. Set aside some time to just goof around with the guitar. Make sure to inject a healthy dose of fun in each practice session. If you have been working on blues scales then why not put on some jam tracks or even your favorite blues CD and try to improvise a solo. Select a favorite song to work on at the end of each practice session.

12. If you plan to perform in front of people
perfect your songs in private then practice playing in front of sympathetic friends and family members. Create a practice environment that is as close to the conditions of your upcoming performance as possible. If you will perform standing up then practice that way. Tell your friendly practice audiences to feel free to talk and laugh it up during your practice. This will help you learn to become comfortable in a distracting concert environment. Consider recording your practice sessions with a simple home video camera on a tripod.

Opening night jitters can throw off your game no matter how well you know the material. If you have repeatedly practiced playing in simulated concert environments then the real deal can be a breeze.

The bottom line: in order to play well you must acknowledge how your body is programmed to learn then design practice sessions that are complimentary.

How To Find The Right Acne Treatment That Gets Results

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Jul 052022
 

When searching for a treatment to help reduce acne and clear your skin, it is very important that you choose a product containing the ingredients capable of smoothing out the skin, leaving you with no scars and able to control free radicals. Acne sufferers should look for treatments containing natural ingredients. Our bodies are natural so why not use something natural to help heal it.

It is best to know the ingredients of a product before using it. You want to know what you’re getting right? If the same ingredients is in the treatment you’ve used in the pass, (which gave you little to know results) is in the product you are thinking about using now, then you may be wasting your time on the product because they both will end up having the same effect.

For example if you go and use “Skin Clear Gel” (not sure if it’s an actual product) and received no results, and then go and use “Free From Acne” which has the same ingredients as “Skin Clear Gel”. Then… well you get the point.

A lot of people usually choose a product that is recommended by someone else, which is okay, but you may not get the same results as the one who referred you. Some people may have very severe acne while others may have mild. And the ingredients used in that treatment may not be capable of clearing up your skin.

You need something that will help your skin to heal naturally. A treatment that has been proven to work time and time again without causing damage to the skin is the kind of treatment you are looking for. It is best to find one that will work from the inside out, eliminating waste and other impurities. Poor elimination of waste and toxic can lead to build up causing it to exit through the skin.

Taking drugs to try and relieve acne usually leaves people with side effects. Some side effects may be skin irritation, dryness of skin, or it may even lead to more breakouts. Like I said earlier, what may have worked for one person may not necessarily work for another. Some people skin is very sensitive and could cause them to breakout just by applying the slightest bit of oil, cream, makeup etc.

Many treatments that are out on the market are using benzoyl peroxide to help fight acne. Now this is capable of clearing up your skin but the problem with it is that it can cause irritation, dryness, peeling, or possibly swelling. If you have very sensitive skin then you may want to steer clear of any product containing this.

Most people are struggling with acne and believe they have tried every product under the sun but are still left with no results. Your goal should be to keep trying until you’ve found a treatment that best suits your needs. There is something out there for everyone.

If a company tells you their product works, well shouldn’t it work? It’s like an investment; you’re looking for a return. When you invest you would have to be crazy not to expect a return on your investment.

It’s not enough to just get rid of acne. After getting rid of acne, people still have to deal with scars. You’ve probably heard how others have tried different acne treatments that allowed them to get rid of their acne, but now they have to deal with something else, scars. Which is like the after effect of getting rid of acne. You need a treatment that will allow you to treat acne as well treat scars.

When searching for a product it should have a risk free money back guarantee of at least 30 days. If anything lower than 30 days it’s a good chance that the company lacks confidence in the product.

I wish you the best and I hope that the information provided will help you in your search.

What is a Participle and why is mine Dangling?

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Jul 042022
 

Have you ever read something that made you stop and say to yourself, “what the heck does that mean?” I know I have and usually it’s because someone has destroyed an otherwise coherent sentence with a dangling participle or a misplaced modifier.

The majority of small business owners rely on the written word to convey their message, communicate their services and attract their customers. If that writing is not clear, concise and comprehendible you could be losing customers and money!

A participle (or modifier) is a word or phrase that alters a clause usually in a confusing manner, because it could apply to either the subject or the object of the clause.

Here’s an example: We picked Tricia up from the store and we fed her puppies.

The phrase “we fed her puppies” is a dangling participle. It is not clear to the reader if we fed Tricia’s puppies or if we fed Tricia to the puppies – big difference!

Here’s another example: I have some pound cake Heather baked in my lunch bag.

The phrase “Heather baked in my lunch bag” is the dangling participle in this case. It is not clear to the reader whether I have pound cake that Heather baked in my lunch bag or Heather baked the pound cake in my lunch bag. Again, the sentence takes on a totally different meaning when the modifier is misplaced.

One last example: Being in a dilapidated condition, I was able to buy the house very cheap.

Being in a dilapidated condition seems to modify “I” instead of “the house”. We can assume the writer meant that they got a good deal because the house was falling apart but we can’t be sure.

See how easy it is to change the meaning of a sentence just by moving a few words around! You may not intend to, but when you misplace modifiers or dangle participles, you’re doing just that.

Small business owners can’t afford these kinds of mistakes. All written communication must be clear and free of assumptions. This includes Web site copy, brochures, and letters – anything your company distributes to current or potential clients needs to be perfect. Write as though you’re speaking with someone one-on-one, read what you’ve written aloud and ask someone else to read it too. Sometimes we are too close to the material and don’t see errors or misplaced modifiers. Reading the piece aloud will reveal the errors. Often times we are only allowed one opportunity to impress potential clients – make sure your writing reflects highly on your business and you’ll be writing wisely.

Pay as You Go Mobile Phones: You Will Love Them

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Jul 032022
 

Once considered a luxury, mobile phones have become a necessary part of our day to day life. Just imagine a life without a mobile phone! Difficult? Yes, that’s the charisma of mobile phones. Today’s mobile phones are used not only as mere communication gadgets, they can be used as cameras, music players, game stations, web browsers as well. With the emergence of numerous mobile companies the entire world of mobile telephony has got a new make-over. Latest handsets with superb multimedia features have flooded the market and people are just going for them. Right from candybar design to clamshell ones, from slider to swivels-all types of mobile phones are available in the market.

As different types of mobile handsets have been constantly launched in the market, the number of mobile phone deals are also increasing. Some of the most popular mobile phone deals are the contract mobile phone deal, 12 months free line rental, sim free mobiles and pay as you go mobile phone deal. If you are not interested in any kind of contract mobile phone deal, then, the pay as you go mobile phone deal is just perfect for you. Pay as you go mobile phone deal is a prepaid mobile plan. When you buy a pay as you go mobile phone, you get pre-loaded credit ensuring your talktime. When you need extra credit, you can refill it anywhere anytime. The best thing with pay as you go mobile phone deal is that you can have a complete check on your mobile habits. As there is no contract in pay as you go mobile phone deal, you’ll never get a surprise phone bill towards the end of the month.

Pay as you go mobile phones are very easily available. There are several online mobile phone shops which offer attractive rates on pay as you go mobile phones. Search online to get the best pay as you go mobile deal.

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