Yes, She qualifies under FHA underwriting guidelines.
The ratio of mortgage payment to income is considered acceptable if the total mortgage payment does not exceed thirty-one percent of the actual gross income. Ratios above thirty-one percent are permissible only if significant correction factors are permissible as described in HUD 4155.1-4. government loan. FHA primary function. To ensure that low-income households are first-time buyers.
To exclude non-mortgage or mortgage debt from a borrower's DTI ratio, the lender must receive a recent twelve-month check or bank statement from the party making the payment. This is twelve months of payment document history. No delinquency. To calculate your housing cost rate, simply take the sum of all your real estate costs and divide it by your pre-tax income.
Disclaimer:- your question is incomplete, please see below for the complete format.
Celeste hopes to qualify for an FHA loan. she calculates her housing ratio as 31% and her total debt obligation as 42%. her credit score is 580. does she qualify under FHA underwriting guidelines?
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Within the relevant range, a cost that changes in direct proportion to changes in the activity level is a ______ cost.
All interest groups can be neatly categorized as economic interest groups or public interest groups.
a. true
b. false
False to say all interest groups can be neatly categorized as economic interest groups or public interest groups, because Interest group consist of other groups too .
What is meant Interest group ?
Interest groups, also known as special interest groups, advocacy groups, or pressure groups, are associations of people or organizations that are typically formally constituted and that aim to sway public policy in their favor based on one or more shared concerns. All interest groups share the desire to influence governmental policy in order to advance their causes or themselves. Their objective may be a policy that only benefits a specific set of people or a particular sector of society (such as government subsidies for farmers) or a policy that furthers a larger societal goal (e.g., improving air quality). By exerting pressure on decision-makers to change policy outcomes in their favor, they try to lobby in order to achieve their goals.
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Dave borrowed $ from his uncle with simple interest of nd eventually repaid $ (principal and interest). what was the time period of the loan?
The straightforward interest calculation makes figuring out how much interest will be applied to a loan quick and uncomplicated.
Multiply the principle, the number of days between payments, and the daily interest rate to get simple interest.
Finance charge = Interest + Other costs
$50 + 5 = $55
Annual finance charge = Interest + Other costs
APR = Annual finance charge / Principal borrowed
Using the straightforward interest formula, it is simple and quick to determine how much interest will be applied to a loan. To compute simple interest, multiply the principle, the number of days between payments, and the daily interest rate.
Where Simple Interest=P*I*N
P=Principal
daily interest rate = I
Days between payments equal = N.
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Question - Dave borrowed $500 for one year and paid $50 in interest. The bank charged him a $5 service charge. What is the finance charge on this loan?
If a shortage exists in the cantaloupe market, then the current price must be than the equilibrium price. For the market to reach equilibrium, you would expect.
If a shortage exists in the cantaloupe market, then the current price must be lower than the equilibrium price. For the market to reach equilibrium, you would expect buyers to offer higher prices.
Cantaloupe contains Vitamin K and E which help in keeping the skin healthy and radiant. They are also a good source of Vitamin B, choline, and betaine to help keep the skin replenished and rejuvenated. Due to the high content of vitamins A and C, cantaloupes encourage skin regeneration and the formation of collagen.
They both share similar nutritional benefits except for vitamin C and beta-carotene. Cantaloupe contains twice the amount of vitamin C as does honeydew, 61% DV versus 30% DV in honeydew. In vitamin A, Cantaloupe wins again with 68% DV compared to 1% DV in honeydew.
Cantaloupe's anti-aging secret is carotenoids, which allow vitamin A to be formed. Vitamin A maintains cellular health and protects skin from oxidative stress. Oxidation accelerates the internal aging process and manifests itself externally as WRINKLES.
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how to do note 3 of financial statement
Answer:
Notes to financial statements reveal the specific assumptions that accountants make when compiling a company's income statement, balance sheet, statement of changes in financial position, or statement of retained profits.
Explanation:
Presenting the results of your analysis--data visualization--is an important part of analytics.
It is True that data visualization plays a significant role in analytics by
presenting the findings of the analysis.
What does "Data visualization" mean?Data visualization is an important step because it enables you to present your data analysis findings in a distinctive manner that is not only more visually appealing but also much easier to understand.
Data visualization is the process of displaying data using common graphics like infographics, charts, and even animations.
These educational visualizations make it easy to understand complex data relationships and data-driven concepts.
Data visualization helps us identify emerging trends so that we can quickly take action based on what we see.
Such patterns make more sense when graphically represented because visuals and diagrams make it easier for us to recognize strongly associated characteristics.
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1. what are the basic revenue models for online content and what is their major challenge?
For content delivery, there are three main income models: subscription, a la carte, and advertising supported.
The main issue that the revenue models confront is that consumers are reluctant to pay for internet information because they anticipate that much of it will be presented for free.
What are Revenue Models?A revenue model is a structure for producing money. The value to be provided, how to price the value, and who will be paying for the value are all determined.
It is an important part of a business model. It essentially outlines what goods or services will be developed in order to make money, as well as how they will be sold.
New businesses are more likely to struggle as a result of costs they won't be able to cover if they don't have a clear and well-defined revenue model, or, in other words, a clear plan of how to produce revenues.
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The actual cost of the work performed to date is $40k. what is the bcwp for the project?
The actual cost of the work performed to date is $40k. $5.01k - $10k is the bcwp for the project.
BCWS = Budgeted cost * planned completion
Therefore, BCWS of activity C = 12,000 * 70%
BCWS of Activity C = $8400
It lies between $5.01k - $10k.
BCWP is an acronym for Budgeted Cost of Work Performed. BCWP establishes how a whole lot of the venture price range ought to had been spent primarily based totally on the paintings finished thus far permitting a Project Manager to examine it to what has in reality been spent.
The BCWP (budgeted fee of labor performed) fields comprise the cumulative fee of the tasks, resources, or assignments' percentage whole accelerated through the timephased baseline costs. BCWP is calculated as much as the reputation date or modern-day date. This statistic is likewise referred to as earned fee.
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Jill and kelly are architects and members of jill & kelly, p.c., a professional corporation. jill supervises lucy, an employee of the firm. as a member, jill?
may be personally liable for malpractice committed by Lucy.
An architect is a professional whose job is to plan and design building designs. They are highly trained in art and design and generally play a key role in a construction, being a leader to other workers.
In addition, because they are responsible for the safety of building occupants, an architect must have a professional license. Architects are associated with art because they have to make building structures that look unique and have an aesthetic element.
However, more than that, architects are also related to engineering because they must pay attention to the functional, security, safety, and welfare elements of the building. The building in question can be in the form of houses, apartments, buildings, even city parks.
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The arithmetic association relationship between a college student and college courses would be expressed as?
The arithmetic association relationship between a college student and
College courses would be expressed as 1 0..*
What is relational algebra?
Relational algebra is a theory used in database theory that models data and defines queries on it using algebraic structures with sound semantics. Edgar F. Codd developed the theory.Relational algebra is primarily used to provide a theoretical framework for relational databases, especially query languages for such databases, the most popular of which is SQL. Tabular data represented as relations are stored in relational databases. Tabular data represented as relations are frequently returned by queries over relational databases.Relational algebra's main objective is to define the operators that convert one or more input relations into an output relation. These operators can be combined and used to express potentially complex queries because they accept relations as input and produce relations as output.
Unary operators accept a single relation as input; examples include those that filter specific attributes (columns) or tuples (rows) from the relation.Two relations are accepted as inputs by binary operators, which combine the two relations into a single output relation by, among other things, taking all tuples found in either relation, removing tuples from the first relation found in the second relation, extending the tuples of the first relation with tuples in the second relation meeting certain conditions, and so on.
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Explain the project planning steps
Set goals
Prioritize tasks
Create a schedule
Communicate.
The average cost of gas in major cities is as follows. the average cost of gas in the us large cities is 2.38 . this a good estimate for the average cost of gas in the us?
The average cost of gas in the US is $3.716
How is the price of gas determined?The price of gasoline is made up of four factors: taxes, distribution and marketing, the cost of refining, and crude oil prices. Of these four factors, the price of crude oil accounts for nearly 70% of the price you pay at the pump, so when they fluctuate (as they often do), we see the effects.The costs associated with refining crude into gasoline and other fuels, delivering it to stations by pipeline and truck, and marketing it makes up the remaining factors that affect gas prices.The profits that refiners make when converting barrels of oil into barrels of gasoline are included in this category of expenses, and these profits are currently skyrocketing. Due to the pandemic's drop in fuel demand, some refineries had to close; however, now that demand is high, those that did remain will enjoy higher profit margins.
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If+output+grows+by+43.2%+over+14+years,+what+is+the+annualized+(or+annual)+growth+rate?+write+the+answer+in+percent+terms+with+up+to+two+decimals+(e.g.,+10.22+for+10.22%,+or+2.33+for+2.33%).
The rate of return (RoR) needed for an investment to increase from its starting balance to its ending balance, providing profits were reinvested at the conclusion of each period of the investment's life span, is known as the compound annual growth rate (CAGR).
To determine an investment's CAGR:
Divide the investment's worth at the end of the time by the value it had at the start of the period.The result should be multiplied by one and divided by the number of years.The outcome is then reduced by one.To convert the response into a percentage, multiply by 100.To learn more about Compound Annual Growth Rate from the given link.
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Using the same quiz format, steps required to answer questions, and submission deadlines for both pars and kcs are examples of which of the eight golden rules for hci design?.
Examples of the eight golden standards for hci design's Strive for consistency include using the same quiz structure, procedures needed to answer questions, and submission dates for both pars and kcs.
In interface design, every component, theme, animation, and action should stay consistent throughout the experience. The user will probably be perplexed, for instance, if the interface alters the button's color and Strive for consistency font while the user is using it. The concept of consistency extends beyond a single application. For instance, websites frequently share basic elements like the corporate logo in the upper left corner and the top menu. These patterns have emerged through time, been described by usability professionals, and incorporated by designers into common practice.
Between pages of one application or between still-related applications, Strive for consistency is required. The key is that authorized users, including the majority of inexperienced users, can still view sites that are seen as still being in dialogue or as still having a connection to the program in use. Users won't be afraid to switch applications as a result of feeling at ease with the application.
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The question was incomplete. Check below the full question.
Using the same quiz format, steps required to answer questions, and submission deadlines are examples of which of the Eight Golden Rules for HCI Design?
a. Supporting internal locus of control
b. Offering informative feedback
c. Strive for consistency
d. Reducing short-term memory load
If the price is $25 per bottle, how many bottles of sunscreen are demanded and supplied in equilibrium?
At the price of $25 the demand in the market is 2400 and the supply is 7400, and there is an excess surplus of 5000 goods, this will put a downward force on the price of the good.
In economics, demand is the quantity of a great that clients are willing and able to buy at numerous expenses all through a given time. The relationship between fee and amount demand is also referred to as the call for the curve.
The demand for an awesome will increase or decreases relying on numerous elements. This consists of the product's rate, perceived best, advertising spend, client earnings, patron confidence, and adjustments in flavor and fashion.
The increase in demand causes the excess calls to increase at the initial rate. An extra demand will cause the rate to upward thrust, and as price rises manufacturers are inclined to promote extra, thereby increasing output.
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When amounts of a transactions are entered in an account on the right hand side, they are said to be:_________
When amounts of a transactions are entered in an account on the right hand side, they are said to be Left hand side is called the debit side while the right hand side is called the credit side.
A transaction is a commercial occurrence that results in a monetary impact on the financial statements of an entity and is noted as an entry in the accounting records of that entity. Here are some examples of transactions: paying a supplier for goods or services received
An executed contract between a buyer and a seller to exchange goods, services, or financial assets in exchange for money is known as a transaction. The phrase is also frequently used in business accounting. This straightforward definition can be challenging in business bookkeeping.
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In a competitive market, firms can dictate what the equilibrium price of a good or a service will be. True or false?.
In a competitive market, companies can dictate what the equilibrium price of a good or service is a false statement.
The sentence above is false, because competitive firm is a price taker, which means that it must accept the equilibrium price at which it sells goods.
Market equilibrium occurs when the quantity demanded is equal to the quantity supplied. In a curve, it represents the point of intersection between the demand curve and the supply curve.
At the point of equilibrium, the market determines prices and quantities for consumers and producers. Consumers and producers agree on price and quantity. At that point, consumers acquire the quantity of the good at the price they are willing and able to pay. And manufacturers offer quantity at a price they are willing and able to accept.
When the market reaches equilibrium, there is no tendency to change. If there is a disequilibrium, the market mechanism will move supply and demand towards a new equilibrium.
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Promotions that encourgae the intemperate consumption of alcohol should be ____________ by management
Promotions that promote excessive alcohol intake should be banned by management.
Management (or managing) is the process of running a company, nonprofit, or governmental entity. It is the science and art of managing a company's resources.
Setting an organization's strategy and managing employee (or volunteer) efforts to achieve goals through the use of resources such as financial, natural, technological, and human resources are all included in management. The terms "run the business" and "change the business" are used in management to demarcate between the continual delivery of goods or services and the adaptation of goods or services to meet the changing needs of customers. Additionally, supervisors who are in charge of directing an organization are referred to as "management."
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Every afternoon at one o'clock, the air conditioner in emilio's office turns on to lower the temperature by five degrees. emilio finds it way too cold and it distracts him from his work. in this case, which element is affecting his perception and emotions? question 3 options: culture personality physical environment social media
Every afternoon at one o'clock, the air conditioner in Emilio's office turns on to lower the temperature by five degrees. Emilio finds it way too cold and it distracts him from his work.
In this case, physical environment is the element that is affecting his perception and emotions.
What do you understand by physical environment?
The physical environment has been defined as the geographic area and factors around us that influence what food is available to people and how food is obtained.These factors include the built environment (man-made infrastructure such as roads and buildings that make up neighborhoods). and transport networks), distance to grocery stores (whether walking distance or other transport required), proximity to fast food restaurants and food available at home to name a few. The physical environment is often examined in terms of whether it supports or hinders healthy eating and food security. For example, some research suggests that lower-income neighborhoods and near senior living facilities tend to have fewer large chain grocery stores and more fast-food restaurants compared to higher-income neighborhoods and suburban areas.To learn more about physical environment, refer to:
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Answer: is physical environment.
Explanation:
What is one example of a planned economy?
An increase in the demand for peanut butter, a normal good, can be caused by a(n):__________
An increase in the demand for peanut butter, a normal good, can be caused by the following,
An increase in the consumer incomes (if peanut butter is a normal good)An increase in expected future price of the good (peanut butter)An increase in number of buyers in market.What is meant by demand?In marketplace,demand is the desire of consumers to buy (get) goods and services and the readiness for the same at a given time.
Other factors are taken to be constant here and the changes in price of any specific good or service can decrease or increase the demand (quantity).
There are various factors affecting the demand of products. This includes future expectations of the of products and the changes happening in the consumer earnings, preferences, product price and the consumers in marketplace.
The law of demand suggests that decreasing product prices will cause quantity demand to increase, and vice versa.
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The heat treatment department at northern pipe is the third department in a sequential process. the work in process account for the department would consist of?
Costs from previous departments were shifted, materials costs were increased, and conversion costs were raised in the Heat Treatment Department.
What is Organizational structure?
No of their size, all businesses require an organizational structure in order to function effectively. Businesses without a defined organizational structure have trouble putting corporate policies into practice and maintaining high levels of productivity. Certain divisions are crucial to the foundational functions of any business, whether it be manufacturing or selling. The majority of these positions might initially be filled by you as the owner of a small business. You should assign tasks to your employees as your business expands.
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You are interviewing for an internship with an investment firm. They ask you to come up with the price to charge on a security that makes growing annual payments for 10 years. The first payment is one year from today in the amount of $100 and it grows at 2% per year. The investment firm thinks potential investors have a required return of 9% per year. What is the highest price investors would be willing to pay for this security?.
You are interviewing for an internship with an investment firm. They ask you to come up with the price to charge on a security that makes growing annual payments for 10 years. The first payment is one year from today in the amount of $100 and it grows at 2% per year. The investment firm thinks potential investors have a required return of 9% per year. Growing annual payments for 10 years is the highest price investors would be willing to pay for this security.
My expectations involve having the ability to find out the way to identify business problems, the way to choose investment strategies to handle these issues, and the way to plan and execute the tactics needed to attain these goals.
A chance to talk with former interns from that company to induce their perspective on the internship experience. I would make your investment work much easier. I've got lots of skills that may make me stand out. I'd like you to grant me a chance to let my work represent myself.
And because I pick-up new technologies quickly, I do know I'd be ready to step into my internship investment and make an effect. And, that is what I actually want to try to do in an internship. I would like to create a bearing on my team and supply real value.
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An automobile company decides to improve the quality of its products and bring more variety into its entire product line. The company has decided to adopt ________.
An automobile business enterprise comes to a decision to enhance the excellence of its merchandise and bring more range into its entire product line. The employer has decided to adopt: industry-wide differentiation.
A vehicle is a motor automobile this is designed or adapted specifically to hold people on highways and streets and has a seating ability of no longer greater than the driver and eight passengers. both terms, automobile, and automobile are associated with car enterprise. the vehicle is a noun that normally refers to a 4-wheeled automobile car designed for passenger transportation whereas the automobile is an adjective relating to motor vehicles. this is the principal distinction between vehicles and automobiles.
The industry's main products are passenger vehicles and mild trucks, along with pickups, vans, and recreation software motors. business vehicles (i.e., shipping vehicles and big shipping vans, frequently referred to as semis), even though critical to the industry, are secondary.
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Randy has established a successful fast-food restaurant chain named randy’s in the united states. He currently has 12 locations across three states. He’d like to expand his brand to asia, but does not have the capital to do so. He’s also wary of the risk of failure, especially because he is not very familiar with business in asia. If you were consulting randy, what route would you advise against?.
The first thing to do is to consult an economist regarding what steps he should take. then after getting the answer, he can make his own decision, if he wants to take a high level of risk but the return, he gets is also high, then he can borrow money in the bank for capital. but if he doesn't dare to take the risk then he can invest the money he has.
Business risk or also called business risk is the impact or consequence that will be received during the course of a business activity. This has a direct or indirect impact on the decrease in the number of profits, as well as the finances of a company.
Even so, the majority of entrepreneurs will always anticipate the worst possibility that occurs from a business activity. Making the right decisions and having a mature strategy can reduce business risks that may occur in a business activity. Business owners sometimes do have to take the 'worst' risks available to get bigger profits, compared to taking no risks at all which can actually make the business stagnate or 'stuck'.
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According to the marketing research association (mra) guidelines for internet marketing research issues, market researchers are prohibited from?
Market researchers are not allowed to "deanonymize data", under the marketing research association's (mra) standards for online marketing research concerns.
What is deanonymize data
De-anonymization is a data mining technique that re-identifies the anonymous data source by comparing it to other data sources.
De-anonymization can make advantage of any information that separates one data source from another. De-anonymization is an idea that has been around for a while, but it really gained notoriety in 2006 when Arvind Narayanan and Vitaly Shmatikov participated in a Netflix competition. Narayanan and Shmatikov successfully identified Netflix data for a number of particular individuals using their de-anonymization methods on a data set containing the anonymous movie ratings of 500,000 subscribers. De-anonymization requires data that is plentiful, granular, and largely constant over time and context, according to Narayanan and Shmatik.
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The best method for reducing the agency problem for a large public corporation is?
For a major public firm, utilizing stock-based compensation is the best way to lessen the agency problem.
Ideally, the manager's compensation should be based on the company's overall performance. If a manager also has a stake in the organization, then they must avoid the conflicts of interest that come with principal-agent relationships. As a result, the ideal way to solve the agency problem should be to adopt stock-based compensation.
A method of paying employees, executives, and directors of a firm with equity in the business is stock-based compensation, also known as share-based compensation or equity compensation. In order to inspire employees beyond their ordinary cash-based remuneration (salary and bonus), as well as to match their interests with those of the company's shareholders, this method is frequently adopted. Employee stock awards typically require a vesting period before the shares can be considered earned and sold.
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Joshua works for a small firm. his main job is to understand and interpret the needs and wants of large groups of customers. what role is he working in?
Joshua works for a small firm. His main job is to understand and interpret the needs and wants of a large groups of customers.The role is he working in is Market research.
Market research:
Marketing research serves marketing management by giving information which is relevant to decision making. Marketing research neither itself make the decisions, nor does it guarantee success. Rather, marketing research helps to decrease the uncertainty surrounding of the decisions to be made.
What is the advantage of market research?
Conducting market research permits you to appeal more specifically to your customers' needs and preferences. It's a win-win situation for your customers and your business. One of the most important ways to be customer-centric in your market research is by forming a segmentation-targeting-positioning model.
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Sho needs to purchase a dress shirt for an upcoming job interview. He shops at kohl’s and sees that he can choose from different brands, including apt. 9, chaps, arrow, croft & barrow, and many more. The dress shirts come in a variety of colors, materials, and price points. Which type of competitor structure is illustrated?.
Monopolistic competition competitor structure is illustrated in the given situation .
What is meant by monopolistic competition?
Monopolistic competition occurs when a firm with many potential competitors tries to discover a marketing strategy to differentiate its product. the manufacturers of the dress shirts dividing them by style and color, materials, and price.
Is monopolistic market good for consumers?
Monopolies are generally considered to be poor for consumers and thereafter the economy. When markets are over ruled by a minute number of big players, there is a danger that these players can misuse their power to increase prices to customers.
What is a major feature of monopolistic competition?
An important feature of monopolistic competition is that firms incur a considerable expenditure on advertisements and other selling costs to advertise the sales of their products. Promoting sales of their products through advertisement is a important instance of non-price competition.
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How does the estimate of the mean response used in the calculation of the confidence interval for the mean response compare to the predicted value used in the calculation of the prediction interval for an individual response? when you answer this question assume that the same estimated model is used in both cases and the same value of the explanatory variable is used to calculate the prediction interval and the confidence interval.
The estimate of the mean response used in the calculation of the confidence interval for the mean response is exactly that same as the predicted value for an individual response.
A given value for the independent variable, along with the regression parameters, are used to determine the mean response and individual response in a linear regression. These two replies have identical values but have different computed variances. A notion, idea, or quantity that is being measured in statistics is referred to as a mean response, also known as a mean response. On an unrelated factor, it depends. The mean response will (or will not) vary depending on other parameters, commonly stated in the form of a question. When a confidence interval is studied around an OLS estimate, such the average hourly wage, it is called a mean response.
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