How Homeowner’s Insurance Policies Can Be Incredibly Different

Posted on January 16, 2023January 20, 2023 by cvargas

Homeowner’s insurance helps to alleviate financial issues in the event of an emergency. However, not all insurance policies are the same across the board. There are a lot of things that are considered when setting up the policy. In fact, it’s quite possible that your premiums will be different from someone who lives across the street.

Even if your neighbors are using the same insurance provider.

Age of the Residence

One of the primary elements that will adjust your premiums is the age and condition of the home. If you have an older structure, there is a good chance you’ll pay more in premiums.

This is partly because of the increased risk involved in outdated materials and repairs. Things like plumbing, wiring, the condition of the foundation, and more can affect how much you’ll pay for your policy.

Perhaps one of the most important aspects is that of the roof. Leaks will easily cause an incredible amount of damage, especially if you don’t catch them in time.

Home Repairs and Costs

Repairs and rebuilds make up a significant portion of many insurance policies. And things like inflation will affect the costs of these repairs.

For instance, if the price of wood goes up, so will your homeowner’s insurance. This is because it becomes more expensive to pay for repairs or rebuilds if the home requires wood, which most will.

Generally speaking, higher-priced homes often have a higher premium due to the cost of repairs. For instance, it’s more expensive to replace French doors to a patio than a regular backdoor.

Preventative Measures and Upgrades

Did you know that installing some preventative measures may actually reduce your insurance policies?

Case in point, some insurers will provide as much as a 10% discount if you have a central station burglar and/or fire alarm installed. This is because these things help reduce the risk of theft and damages, which then saves the insurer money in future claims.

The discounts will vary from one insurer to another. But generally, most offer discounts in some form if you install preventative devices or by updating parts of the home.

For example, if you update your roof or install new electrical and heating systems, your home could go from a “standard” rating to one that is “preferred.” This can save additional money on your premiums.

Working from Home

Since 2020, the prospect of working from home exploded throughout the world. Unfortunately, homeowner’s insurance policies don’t ordinarily cover business expenses or losses.

This means that if you run your business or otherwise work from home, you’ll need additional coverage for anything you use. This could include products, computer equipment, and anything else you’ll need to perform your job.

The additional equipment will easily increase your premiums.

Bundling Insurance Policies

A lot of people will bundle their policies together to reduce the overall cost every month. This is when you have your homeowner’s, automobile, and even life insurance policies from a single provider.

It’s quite a common practice, really. Some providers will offer discounts if you use them for all of your insurance needs. And in many cases, you’d be hard-pressed to find a cheaper alternative by using a separate insurer for everything.

Insurance Policies are Different for Everyone

When it comes to homeowners insurance policies, there isn’t a one-size-fits-all answer. Every home and situation will differ greatly, especially if you decide to include additional coverage for certain valuables, especially if you plan to work from home.

At Vargas & Vargas Insurance, we’ll do our best to find you insurance policies that fit your needs. Contact us today to find out how we can help keep your home, and your property, protected in the event of a catastrophe.

Not all insurance policies are the same, and we can help you secure one that is ideal for your situation.

7 Ways to Protect Your Vehicle During the Winter

Posted on January 13, 2023January 13, 2023 by cvargas

Auto insurance can play a critical role during the winter months. From frozen and slippery roads to white-outs during a snowstorm, you want to have coverage in the event something happens.

However, insurance can only go so far. Your policy isn’t going to cover wear and tear or issues that happen from poor maintenance. While there are several ways you can winterize your car before it snows, what about during the middle of winter?

Let’s take a look at seven ways to help protect your car in the winter aside from proper insurance coverage.

1. Maintain the Battery During Winter Months

The colder months put quite a strain on vehicle batteries. First of all, low temperatures lead to less of an electrochemical reaction within the unit. This means the battery will perform worse during the winter.

It’s vital that you test your battery regularly and replace it before you find yourself stranded somewhere.

2. Keep Timely with Oil and Fluid Changes

Low temperatures cause liquids of all kinds to move slower. This means that any fluids that are dirty, contaminated, or at low levels will hurt the performance of your vehicle more so when it’s freezing outside.

Driving around in the winter while you’re several thousand miles past an oil change increases the strain on the motor.

3. Watch the Radiator and Hoses

Antifreeze is a crucial element for many cars on the road today. And if you’re levels are low or contain more water than actual antifreeze, your radiator and hoses can freeze up.

Frozen lines can lead to splitting, which then results in the engine overheating.

4. Make Sure Belts Are Not Worn

The last thing you want to experience is a belt snapping while driving on the freeway during a snowstorm. Never underestimate how much wear and tear your belts go through on any given day.

Be aware of any kind of fraying or worn-out sections of the belts that keep the motor turning. Just make sure your car isn’t running before you check them.

5. Keep an Eye on the Tire Tread in Winter

Snow, slush, and mud are common road hazards during winter months. You want to make sure your tire tread is apt to take on what nature throws your way.

This is one of the biggest reasons why many people have a separate set of snow tires available for the winter months.

6. Check Your Bulbs and Replace if Needed

Bulbs for your car are usually not that expensive. And depending on the make and model of your vehicle, they are very easy to replace. Make sure your headlights and brake lights are visible to everyone during a storm.

Also, pay close attention to any condensation within the bulb housing. If the bulbs are getting wet, you’ll need to find the leak and seal it before your new bulbs blow out.

7. Use a Car Cover

Car covers, while a bit inconvenient to put on and off in the winter, can save you a lot of trouble. They protect the car from a plethora of weather types. Not to mention some may even alleviate frost buildup on the windshield.

You can find a lot of car covers for less than $100, and they’ll probably save you more than that throughout the year in maintenance expenses. Especially if you spend a lot of money keeping the vehicle clean.

Car covers are a great option if you don’t have a garage.

Winter Months Can Wreak Havoc on Autos

Depending on where you live, the winter months are some of the most strenuous for an automobile. And if you break down on the side of a snowy freeway, it’ll be incredibly strenuous for you.

In the event something does happen, though, you want to make sure you’re properly covered. At Vargas & Vargas Insurance, we’ll help you find the best policies for your auto regardless of the weather. Contact us today to see how we can help you save money while keeping your auto covered during the coldest months of the year.

New Mortgage Guidelines Could Save Money On Your Flood Insurance?

Posted on December 27, 2022December 23, 2022 by cvargas

If you are purchasing (or have purchased) a home in a flood zone, you need to purchase a flood insurance policy. And if your mortgage was an FHA, VA, or USDA loan, and your property is in a flood zone, in the past, you could not purchase your flood insurance from a private flood insurance company. . However, recent changes made to HUD may save you a great deal and may help you qualify for a larger mortgage.

Flood Insurance and FHA-VA and USDA Mortgages

Most standard home insurance policies will provide coverage that will help you with flooding caused by something like a burst pipe, a furnace, or hot water heater that bursts, and the water causes damage to your home. However, this does not include the damages caused by Mother Nature herself.

For example, damages caused by heavy rains, rising rivers, the melting of snow or hurricanes, or other types of flooding caused by a natural disaster aren’t often covered. At least in a standard policy.

Recent conditions from HUD INCREASES FLOOD INSURANCE OPTIONS FOR HOMEOWNERS WITH FHA MORTGAGES LIVING IN SPECIAL FLOOD AREAS.

The upside is that HUD is expanding flood insurance choices for individuals and families with FHA-insured loans. In the past, the National Flood Insurance Program was the only option for FHA-insured mortgages. As of December 21, 2022, however, private insurers are now available as an option.

This is to help keep people protected from high costs while addressing damages caused by climate change.

New Homes and Special Flood Hazard Areas Insurance

According to HUD 4000.1, if any portion of a home is in an SFHA (Special Flood Hazard Area), the home is not eligible for FHA mortgage insurance. This includes proposed or new constructs.

However, there are a few exceptions, such as the lender acquiring a FEMA Letter of Map Amendment or a Letter of Map Revision showing the property is removed from said area.

Another exception is if the lender acquires a FEMA National Flood Insurance Program Elevation Certificate. This is FEMA Form 81-31 and must be prepared by a licensed surveyor or engineer.

What About Existing Structures?

New homes are not the only properties to adhere to flood insurance requirements. Though, the terms for existing properties within an SFHA are often shorter than when building a completely new home.

A property does not qualify for the FHA-insured mortgage if:

it is in a Special Flood Zone Area
it is located in a coastal area and the National Flood Insurance Program is unavailable.
the home is located in SFHA Zone A.
it is located in Zone V.

You must maintain flood insurance coverage for the amount remaining on the mortgage or the replacement cost of the home. Whichever is lower is often the amount of the coverage.

Don’t Let Flood Insurance Soak Your Wallet

Flood insurance can be very costly, especially if you’re buying a home in a high-risk zone with an FHA loan. Luckily, private flood insurance may help you get a policy that is less expensive or provide enhanced coverage and allow you to qualify for a larger mortgage.

Thanks to the changes at HUD, you have more options available when choosing a provider.

At Vargas & Vargas Insurance, we may be able to help you save money while being in a Special Flood Hazard Area. Contact us today to see how we can help. We have access to private flood insurance markets that could save you a bundle.

7 Reasons to Buy Your Next Home in the winter

Posted on December 21, 2022December 23, 2022 by cvargas

A lot of people might think spring or summer months are an ideal time for home shopping after all, the weather is usually nice, and you’re more likely to be out and about anyway. For many reasons, buying a home in the winter is far better.

In reality, it could save you a couple of thousand dollars on average compared to other months.

1. Homes are Often Cheaper in the winter

According to data collected by Realtor.com, not everyone’s willing to look at homes in single-digit temperatures. The months of May, June, July, and August make up 40% of existing-home sales, while January and February account for less than 6%.

2. Sellers are Often More Motivated

In many cases, people who are listing homes in the winter are often under time constraints. This could be due to moving before the end of the year for whatever reason.

The end result is a highly motivated seller who wants to close and move on as quickly as possible.

3. Getting an Idea of Future Winters

One of the best reasons to check out a house in the winter is to get a feel for how it’ll hold up for future winters. If there are any problems, you might even be able to get the price reduced so you could repair the property after the sale.

Pay close attention to any drafts, cold spots, leaks, or other issues that are attributed to the colder months.

4. Possible Faster Closings in the winter

Usually, housing markets pick up during the warmer months. This often means that mortgage brokers could get behind in their workload. This results in waiting longer to close on the home.

During the winter, however, the market isn’t nearly as busy. So, mortgage brokers may be able to process your account quicker.

5. Less Competition for Bids

There is a reason why spring and summer months are better for the housing market. Fewer people are willing to move during the coldest months of the year. This means you’ll have less competition when putting in a bid.

The flip side to that, unfortunately, is that not everyone wants to put their home on the market during the winter. This means there are also fewer homes available to choose from.

Still, less competition could save you a bundle when bidding.

6. Possible Tax Benefits

In most areas, you can reap the tax benefits of the entire year of owning a home if you close before December 31st. This could drastically affect your tax returns come April.

Of course, you want to check with your accountant or with the IRS before you can assume to claim the property.

7. A Present to Yourself

Lastly, buying a home in December could be seen as a present to yourself during the holiday season. Moving into a new house is an exhilarating experience that can greatly enhance a positive mental state.

Not to mention throwing housewarming parties for New Year’s eve.

The Winter is Great for Home Buying

In many ways, the winter months are ideal for purchasing a home. Let Vargas & Vargas Insurance help by finding you the best deals to cover your property when it comes time to secure a policy. Contact us today to find out how we can help get you into the new home of your dreams.

What does flood insurance consider to be a flood?

Posted on December 21, 2022January 9, 2023 by agentinsure

Living in, Massachusetts means that you may need to consider flood insurance. But before you decide to invest in a policy, it’s important to understand what constitutes a flood and how flood insurance can protect your home and possessions. In this post, Vargas & Vargas Insurance looks at some of the key facts about floods and flood insurance.

What is Considered a Flood?

According to FEMA, flooding is a temporary condition where two or more acres of dry land become wholly or partially submerged in water.

In other words, if water accumulates in an area that would normally be dry, such as your lawn and driveway, it is considered flooding. It doesn’t have to be an overflowing river; even heavy rain that causes puddles on your property can count as flooding.

What Does Flood Insurance Cover?

Flood insurance covers damage to your home caused by the rising waters associated with flooding. This includes physical damage to the structure itself (walls, floors, roofing), any items contained within the structure (furniture, electronics), and any appliances that are connected to the house (such as HVAC systems). It also covers items outside the structure, like decks and fences. Additionally, it will cover cleanup costs associated with restoring your property after it has been flooded.

Now that you know what constitutes a flood—and what is covered by flood insurance—you can make an informed decision about whether purchasing flood insurance makes sense for you and your family. To find out more information about getting coverage in Dorchester, MA, contact Vargas & Vargas Insurance today! We’ll help you get the right policy for your needs so you can rest easy knowing that your home is protected against floods!

Insurance Coverage: Are Maintenance Costs Covered?

Posted on December 16, 2022April 5, 2023 by cvargas

Taking care of your property is nothing short of improving your investment. And although homeowner’s insurance can help recover in some cases, it doesn’t cover a lot of maintenance costs.

This is especially true if damages are the direct result of being neglectful. These are just some of the costs that might come out of your pocket.

Termites and Other Insects

Although you may find your home tranquil, there are a lot of insects that might find it tasty. Termites and other insects can quickly turn your home into a sanctuary.

In some instances, insurance policies do not cover the damages created by these bugs, including pest control or home-cleaning services.

This often includes insects such as termites, cockroaches, ants, spiders, and a whole host of pests that tend to invade your privacy. If you see any of these bugs on your property, there’s a good chance they’re also in your home.

Bird, Rodent, and Animal Damage

Another of the most common damages from nature comes in the form of birds and rodents just looking for a place to live. Unfortunately, they will tear apart your home from the inside.

In fact, a lot of people don’t even know there is a critter problem until something like a leaky ceiling or various smells start emanating from the walls.

It’s not just the little ones that can wreak havoc, either. Raccoons are well-known for utilizing roofing materials for both houses and garages to create nests.

Rust, Rot, and Mold

A small leak in your roof created during the winter can lead to costly repairs in the summer. Rust, rot, and mold are common results of neglecting the property. And not all insurance policies will cover the repairs.

For example, let’s say that you neglected to notice that leak in the roof. Over time, the water invading your home can lead to rotting out the drywall as well as propagating mold within the walls.

In this case, your insurance coverage might not cover the maintenance costs and repairs that will accumulate.

General Wear and Tear

Perhaps one of the most obvious elements of being a homeowner is repairing the general wear and tear of the property. This can include everything from replacing an old carpet to buying a new air conditioning unit.

While insurance coverage might not reimburse you for most of these expenses, you might still qualify for discounts. That is if you upgrade the home with preventive appliances, such as fire alarms or anti-theft devices.

To find out more about what discounts you qualify for as a homeowner, be sure to contact your policyholder.

Your Insurance Policy Might Not Cover Maintenance Costs

Although every insurer is different, many won’t cover repairs and other costs related to the upkeep of your home. Instead, those expenses will come out of your pocket.

This is why it’s vital to perform routine maintenance on your property. Even the slightest leaky pipe under the sink can lead to severe and costly water damage.

Preventative maintenance is crucial for keeping your home safe and secure.

At Vargas & Vargas Insurance, we strive to help people understand their policies while finding the best deals for their needs. Contact us today to find out how we can help you keep your home protected.

Always remember, an ounce of prevention is worth a pound of the cure.

Insurance Coverage: What Happens During a Flood?

Posted on December 14, 2022April 5, 2023 by cvargas

Your home insurance policy doesn’t provide a blanket of protection from everything. For example, you might not have coverage if a flood causes water damage to your property. But that also depends on the type of flood and what was damaged.

Today, let’s take a quick look at flooding and what you can do to protect yourself.

What kind of Flooding Isn’t Often Covered?

Although home insurance can help with some costs caused by flooding, there are quite a few that may not be in your policy. This may include:

Natural disasters, such as extreme rain or snow.
External sewage line breaks or backups.
Sump pump flooding.

However, your policy might include coverage in the event of damages from broken pipes inside the home, flooding from a bad water heater, or if a fire was the result of various types of water damage.

Generally speaking, a “flood” is considered any excess water on the property that is normally dry. If a sewage backup is caused by flooding, and you have a sewer backup endorsement on your policy, that is covered by insurance.

Of course, you review your policy with your local independent insurance agent or review your policy.

What Affects Flood Coverage Policy Costs?

Like any other type of insurance, the costs of flood coverage depend on a wide range of factors. This is why people will often pay different premiums even though they live in the same city.

Some of them include:

Risk of Flooding
If your home is in a location that is prone to floods, your policy could increase.

Your Deductible
A higher deductible of the coverage will reduce your monthly premiums.

Property Location
The neighborhood of your home could affect the cost aside from the flood risk.

Age of the Property
As older homes are more prone to needing repairs, their age could increase the cost of a flood policy.

Itemized Schedules
Not everything is covered in the home through flood insurance. Valuables such as jewelry and antiques may need to be scheduled separately.

How to Get Coverage in Case of a Flood

If flooding is a concern, you need to contact your insurance agent to buy a new policy. You can also renew an existing policy to include flood coverage.

The average premium in the United States is around $750. But this can be higher or lower depending on where you live. This is especially true if you live in a location that is prone to some kind of flooding.

At its average cost, flood coverage is only an extra $62.50 per month. Considering the sheer amount of damage water can do to a home, this is not that bad of an expense to protect your family and property.

Water Damage Can Be Devastating

The important thing is to have the flooding repaired immediately. Even the slightest trickle within the walls can result in mold growth, extreme drywall damage, and compromise the framework of your home.

At Vargas & Vargas Insurance, we can help ensure that your policy includes covering floods and other types of water damage. If this is a concern for you, contact us today to see how we can help.

You don’t have to face water damage and flooding on your own if you have proper coverage.

6 Things Car Insurance Doesn’t Cover in Most Cases

Posted on December 5, 2022April 5, 2023 by cvargas

Not only is car insurance a safety net in the event of certain damages, but it’s also a legal obligation. And although your insurance may cover a lot of things, there are some that are just not part of most policies.

So, what kinds of things are not covered by your automobile insurance?

1. Custom Modifications or Upgrades

Most basic policies don’t cover modifications or aftermarket upgrades and parts. And those that do offer coverage often have a cap of $1000 or so.

This means you’ll have to pay out of pocket if your expensive rims are stolen or damaged. This doesn’t include any deductibles you might have in such an instance.

2. Damages Beyond Policy Limits

A collision policy will only cover a certain amount of damages should something happen. In some cases, you might be covered for up to $50,000 in damages.

But what if you smash your car into a brand-new Bugatti? Well, you’ll be paying out of pocket for that particular automobile for years to come.

My point is that damages beyond what your car insurance can cover will be your responsibility.

3. Car Insurance Doesn’t Cover Racing

A lot of people feel the pressure of demonstrating their wheels are superior. This often results in a quick race down some street or boulevard as an exhibition of speed.

Yet, should an accident happen while you’re speeding down the road, most policy claims will be denied.

4. Rideshare and Delivery Businesses

Uber and Lyft are two of the most popular rideshare businesses nowadays. Even delivery service jobs are available from your automobile. But what happens if you accidentally run a red light and T-bone another vehicle?

Most insurance policies will not cover damages caused while running rideshare and delivery businesses from your car.

5. Theft of Property Left in the Car

You probably know a lot of people who keep their wallets in the glove box or middle console. Perhaps you have a golden locket hanging from a rearview mirror.

In the event of these items being stolen, policies will often deny claims of theft. However, your homeowners’ or renters’ policy might. Be sure to check there, first.

6. Drug Testing Your Car?

As absurd as it may sound, drug testing a vehicle is a real thing. This is when a drug kit is used to ensure dangerous substances are not present when dealerships or specialists repair damages. And the process can add a week or two to repair times.

Though, this is usually done in the event of a theft and recovery of a vehicle.

This is driven by recent events involving fentanyl exposure.

However, most insurers have no problem covering costs such as testing or cleaning after a theft or an attempted theft. If there was no evidence to raise a drug-related concern, though, some insurers may not volunteer to pay for contamination testing or clean-up.

The fact of the matter is that this instance is exceptionally rare.

Car Insurance is Still a Necessity

While there may be a few things not covered in your policy, it’s still worthwhile to protect yourself. Accidents happen all the time, whether they’re through the fault of your own or not. The last thing you want is to be on the hook for repairs or get a ticket for not having coverage.

At Vargas & Vargas insurance, we’ll help you find the best policy for your car insurance. Contact us today to see how we can help deliver coverage for your automobile.

While it may be difficult to cover any of the above, you can still rest easy knowing that you’re protected in various other life situations.

Why Do Insurance Rates Increase Over Time?

Posted on November 29, 2022December 10, 2022 by cvargas

As with anything else, insurance rates increase as time marches on. In fact, rates are often affected just as much by inflation as anything else you might buy.

Unfortunately, this means that the cost of premiums and policies will continue to rise. How much these rates increase depends on circumstances ranging from neighborhood growth to the world stage.

Replacement Cost Affects Insurance Rates

The first thing that you should consider is how replacement costs work. This is much different than the purchase price of your home or auto.

The replacement cost includes materials needed to “replace” the property, the cost of labor, and other elements to make it whole. If the cost of wood goes up, so will the replacement cost.

If your policy was frozen at the replacement costs from 20 years ago, it would be short. The end result is the costs coming out of your pocket.

As you can see, this kind of increase is good as it reduces how much you’ll have to pay in the event of an emergency, I recorded talking about replacement cost versus purchase or market value on your home, click here to watch the video.

Home and Auto Rates are Similar

Houses are not the only types of property that may have an increase. Insurance rates for automobiles go up as well.

In order for an auto to become “whole,” you’ll need the cost of materials and labor. Nowadays, this can also include a variety of technological advancements, such as rear cameras, sensors, and the wiring to make it all work.

In some cases, insurers will also consider things like the cost of medical bills when making adjustments. So, if the cost of medical care goes up, so do insurance rates.

Like ripples in a pond, anything affecting specific industries will take a toll on many. For example, the cost of computer chips will impact the cost of replacing the cameras I mentioned earlier.

What Can You Do to Lower Insurance Rates?

Depending on the type of property, there are quite a few methods at your disposal to reduce rates. The first thing you should do is ensure your policy is correct. If you’re paying for something you don’t need or have scheduled, it’s a waste of money.

A few other ways to decrease insurance rates include:

Preventative measures. Fire alarms, anti-theft devices, safety features, and other preventative add-ons often work to reduce home and auto insurance premiums.
Keeping claims to a minimum. The more often you have to file a claim, whether it’s for the home or auto, the more you’ll pay. This is because insurance providers will see you as a high-risk factor.
Shopping around. You can always look around for a lower-cost insurer. However, keep in mind that low cost doesn’t mean superior service.

Insurance Rates Are Part of the Cost of Living

Sure, insurance companies need to make money. Otherwise, they would be out of business. However, not all increases in insurance are the result of greedy CEOs or banks.

Sometimes, increases are simply the result of an increase in the cost of wood or other materials.

At Vargas & Vargas Insurance, we can help you find affordable rates and plans throughout our network. Contact us today to see how we can help you save money on home and auto coverage.

After all, we may help you keep more money in your pocket to cover the other cost-of-living expenses.

If You Are a Renter, Protect Your Possessions with Renters Insurance

Posted on November 28, 2022December 10, 2022 by agentinsure

Do you rent in Dorchester, MA? Are your personal possessions protected with renters insurance? If not, Vargas & Vargas Insurance can provide it.

If you currently rent a home or apartment, you will need insurance coverage to protect your personal possessions. Your landlord’s property insurance only covers his building, not your belongings.

Your personal property will only be covered with renter’s insurance, which you will have to provide. Most homeowners have an insurance policy, but only 41% of renters have renter’s insurance. Why? Many people incorrectly make the assumption that their landlord’s insurance protects them.

Also, they underestimate the value of the things they own. Just consider your electronics. It wouldn’t be a stretch to say that the value could get into the thousands. Then add to it your clothing, furniture, kitchen supplies, etc. You have more than you realize, and replacing them would cost a lot.

If you own a dog and it decides to bite a visitor or neighbor, you could be faced with a lawsuit. A renters’ policy provides the liability coverage needed in this case.

Renters’ insurance is affordable. The average policy costs between $15 and $30 per month. It will vary based on the coverage you choose, the deductible amount, and where you live.

As with every insurance policy, there are some exclusions.

Damage caused by aircraft or vehicles
Earthquakes
Explosion
Falling objects
Fire or lightning
Floods
Riot or civil unrest
Smoke
Theft
Vandalism
Volcanic eruptions
Weight of sleet, snow, or ice
Windstorm or hail

Protect what you worked hard to obtain. Renter’s insurance is a very affordable protection that every renter should have. Vargas & Vargas Insurance can provide a no-obligation quote or answer any questions you may have. Contact our team today. You will be glad you did.

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