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Re: Your Favorite Cookbook?

If you have any interest in Vegan cooking, any book by Isa Chandra Moskowitz is a great place. I have all of her cookbooks, and like them. Her first "Vegan with e Vengeance" is probably my favorite. "Veganomicon" is an "all purpose" Vegan cookbook which is probably the ...
by madsinger
Wed Dec 17, 2014 12:03 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite Cookbook?
Replies: 56
Views: 3191

Re: First time TLH harvester - help please

You do not want to make the Jan 12 purchase of VTIAX. Especially over the "year end"....it will complicate your taxes needlessly. I think the easiest thing to do is do just "turn off" your automatic investment. Once you have the funds where you want them, and 31 days has past, tu...
by madsinger
Wed Dec 17, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: First time TLH harvester - help please
Replies: 13
Views: 458

Re: Is There An Actively Managed Fund Cheaper Than An Index

There are some rather expensive index funds out there (like the 0.50% ER S&P 500 index fund in my 401-k plan) which cost more than many of Vanguard's actively managed funds, I can't imagine there are many (if any) actively managed funds that are cheaper than Vanguard's Total Stock Market fund wi...
by madsinger
Tue Dec 09, 2014 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Is There An Actively Managed Fund Cheaper Than An Index Fund
Replies: 25
Views: 2235

Re: madsinger monthly report (November 2014)

US large caps continue to shine. Internationals were mixed Europe up over +2%, Pacific down about -2%, EM down -1%. REITs still soaring, up over +27% YTD. My madsinger Permanent Portfolio was looking good until gold dropped about -4% on the last day of the month. But...it was up +4% on the first day...
by madsinger
Tue Dec 02, 2014 11:46 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (November 2014)
Replies: 5
Views: 724

madsinger monthly report (November 2014)

Here is a big fat collection of portfolios, with their November 2014 returns, 2014 YTD return, and annualized returns since 1999, 2004, 2009 and 2011 (15 years 11 months, 10 years 11 months, 5 years 11 months, 3 years 11 months). I broke them into four categories, roughly corresponding to 100/0, 80/...
by madsinger
Tue Dec 02, 2014 11:42 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (November 2014)
Replies: 5
Views: 724

Re: madsinger monthly report (October 2014)

moomoo: I have sent you a private message.
by madsinger
Mon Nov 24, 2014 11:08 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (October 2014)
Replies: 6
Views: 1285

Re: madsinger monthly report (October 2014)

Halfway through the month, stocks were down quite a bit, and bonds and gold were up. All that changed in the final week. For the month, large cap US up +2% to +3%, small caps +4% to +5%. Internationals ranged from -2% to +2%. REITs up 10%. VGPMX (precious metals and mining) down about -14% for the s...
by madsinger
Tue Nov 04, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (October 2014)
Replies: 6
Views: 1285

madsinger monthly report (October 2014)

Here is a big fat collection of portfolios, with their October 2014 returns, 2014 YTD return, and annualized returns since 1999, 2004, 2009 and 2011 (15 years 10 months, 10 years 10 months, 5 years 10 months, 3 years 10 months). I broke them into four categories, roughly corresponding to 100/0, 80/2...
by madsinger
Tue Nov 04, 2014 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (October 2014)
Replies: 6
Views: 1285

Re: Time For Me to Kick Wellington Through The Goalpost of L

Ugh...sorry about that link above. But, go to:

http://quotes.morningstar.com/chart/fun ... ture=en-US

and add in the VSMGX ticker symbol to compare the total returns.

-Brad.
by madsinger
Sat Oct 25, 2014 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Time For Me to Kick Wellington Through The Goalpost of Life?
Replies: 43
Views: 4915

Re: Time For Me to Kick Wellington Through The Goalpost of L

Yikes! Make sure you use the internet properly! The person who compared Life Strategy Moderate Growth and Wellington posted a link to an NAV chart, not a total return chart. The claim the the "passive fund" beat the "active fund" in this case is false. Using a total return chart ...
by madsinger
Sat Oct 25, 2014 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Time For Me to Kick Wellington Through The Goalpost of Life?
Replies: 43
Views: 4915

Re: madsinger monthly report (September 2014)

I've had a couple of people send me a message about my "math" of the previous post. As I look at it, it's somewhat incomplete. Here's a hopefully better explanation. When a fund makes a distribution, and it is reinvested in the fund that day, the result is "more shares" in your a...
by madsinger
Thu Oct 02, 2014 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (September 2014)
Replies: 7
Views: 1057

Re: madsinger monthly report (September 2014)

Thanks Brad. I have Wellington as 6.52% YTD from Morningstar... Whatever the fund continues to do well. Just like the energizer rabbit. investor hmmmm...I got the 6.48% YTD for Wellington off of Vanguard's website. I just re-checked now, and it still says 6.48%. I don't know why there's a discrepan...
by madsinger
Thu Oct 02, 2014 2:09 pm
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (September 2014)
Replies: 7
Views: 1057

Re: madsinger monthly report (September 2014)

Down month. Not many places to hide. US Large Cap had a relatively "normal" drop of -1.42% (S&P 500 fund). Small caps were down in the -5% to -6% range. Internationals were down -4% to -5% for "developed" countries, over -7% for emerging stocks. REITS down about -6%. Precious...
by madsinger
Thu Oct 02, 2014 9:01 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (September 2014)
Replies: 7
Views: 1057

madsinger monthly report (September 2014)

Here is a big fat collection of portfolios, with their September 2014 returns, 2014 YTD return, and annualized returns since 1999, 2004, 2009 and 2011 (15 years 9 months, 10 years 9 months, 5 years 9 months, 3 years 9 months). I broke them into four categories, roughly corresponding to 100/0, 80/20,...
by madsinger
Thu Oct 02, 2014 8:50 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (September 2014)
Replies: 7
Views: 1057

Re: madsinger monthly report (August 2014)

Another strong month for the portfolios. US stocks up in the +3% to +5% range. Internationals had a spray +0.6% Europe, -0.2% Pacific, +4.3% Emerging Market. Total Bond up about 1%. My PP was fun to watch: +3.94% US stock, +4.24% US Long Bond, +0.08% Stable Value and +0.32% gold. Coming out to 2.20%...
by madsinger
Tue Sep 02, 2014 4:35 pm
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (August 2014)
Replies: 5
Views: 1011

madsinger monthly report (August 2014)

Here is a big fat collection of portfolios, with their August 2014 returns, 2014 YTD return, and annualized returns since 1999, 2004, 2009 and 2011 (15 years 8 months, 10 years 8 months, 5 years 8 months, 3 years 8 months). I broke them into four categories, roughly corresponding to 100/0, 80/20, 60...
by madsinger
Tue Sep 02, 2014 4:26 pm
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (August 2014)
Replies: 5
Views: 1011

Re: madsinger monthly report (July 2014)

The end of July took its toll on stocks. Portfolios down in the -1% to -2% range this month. US Large caps down about -1.4%, but small US stocks close to a -5% drop. REITs and Precious Metals stocks were basically unchanged. YTD, portfolios are up in the +4% to +6% range. I think most of us can feel...
by madsinger
Fri Aug 01, 2014 2:05 pm
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (July 2014)
Replies: 3
Views: 755

madsinger monthly report (July 2014)

Here is a big fat collection of portfolios, with their July 2014 returns, 2014 YTD return, and annualized returns since 1999, 2004, 2009 and 2011 (15 years 7 months, 10 years 7 months, 5 years 7 months, 3 years 7 months). I broke them into four categories, roughly corresponding to 100/0, 80/20, 60/4...
by madsinger
Fri Aug 01, 2014 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (July 2014)
Replies: 3
Views: 755

Re: madsinger monthly report (June 2014)

I may have missed this, but what's the composition of your Permanent Portfolio ? Hello LadyGeek, After reading and thinking about this for a couple of years, on April 16, I shifted a portion of my portfolio to a "Permanent Portfolio". For no particular reason, except that I have my own &q...
by madsinger
Wed Jul 02, 2014 11:14 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (June 2014)
Replies: 6
Views: 1215

Re: madsinger monthly report (June 2014)

Another strong month for the portfolios.

This month I'm posting my monthly return of my permanent portfolio (up 1.98%) for comparison. Because I did not start this at the beginning of the year, I'm hesitant to post "what would have been" returns.

-Brad.
by madsinger
Tue Jul 01, 2014 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (June 2014)
Replies: 6
Views: 1215

madsinger monthly report (June 2014)

Here is a big fat collection of portfolios, with their June 2014 returns, 2014 YTD return, and annualized returns since 1999, 2004, 2009 and 2011 (15 years 6 months, 10 years 6 months, 5 years 6 months, 3 years 6 months). I broke them into four categories, roughly corresponding to 100/0, 80/20, 60/4...
by madsinger
Tue Jul 01, 2014 5:54 pm
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (June 2014)
Replies: 6
Views: 1215

Re: Problem when calculating IRR two different ways

But the next case below doesn't work. By using the NAVs I get 6.06% and by using the cash flows in Excel's XIRR I get 6.45%. The only meaningful difference I can see in these two examples is that in this second example the number of shares held increases. There perhaps is some sort of weighting tha...
by madsinger
Thu Jun 26, 2014 9:14 am
 
Forum: Investing - Theory, News & General
Topic: Problem when calculating IRR two different ways
Replies: 2
Views: 298

Re: Investor Return for VFINX and VTSMX?

Pure guessing here...but I think a "S&P 500 index fund" is more common in 401-k plans than a "total market fund". (sigh...score another victory for marketing over substance...) That coupled with the "fact" (again...pure guessing here....) that 401-k plan investors a...
by madsinger
Wed Jun 04, 2014 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: Investor Return for VFINX and VTSMX?
Replies: 7
Views: 1076

Re: madsinger monthly report (May 2014)

A pretty strong month for the portfolios. Total bond up about 1%, stocks in the 1% to 2% range. REITs are still outperforming, up 2.35% for the month and up over 16% for the year. Large US is outperforming small US for the year. Value ahead of growth. VGPMX (Precious Metals and Mining) was down for ...
by madsinger
Tue Jun 03, 2014 10:17 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (May 2014)
Replies: 6
Views: 949

madsinger monthly report (May 2014)

Here is a big fat collection of portfolios, with their May 2014 returns, 2014 YTD return, and annualized returns since 1999, 2004, 2009 and 2011 (15 years 5 months, 10 years 5 months, 5 years 5 months, 3 years 5 months). I broke them into four categories, roughly corresponding to 100/0, 80/20, 60/40...
by madsinger
Tue Jun 03, 2014 10:04 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (May 2014)
Replies: 6
Views: 949

Re: madsinger monthly report (April 2014)

A good month for bonds..okay for large cap stocks, not so good for small caps. REITs are now up over 13% for the year, so any portfolio holding them is helped out quite a bit. I made a rather large shift in the madsinger portfolio this month. After reading about and studying the permanent portfolio ...
by madsinger
Mon May 05, 2014 9:46 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (April 2014)
Replies: 5
Views: 828

madsinger monthly report (April 2014)

Here is a big fat collection of portfolios, with their April 2014 returns, 2014 YTD return, and annualized returns since 1999, 2004, 2009 and 2011 (15 years 4 months, 10 years 4 months, 5 years 4 months, 3 years 4 months). I broke them into four categories, roughly corresponding to 100/0, 80/20, 60/...
by madsinger
Mon May 05, 2014 9:36 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (April 2014)
Replies: 5
Views: 828

Re: Cost basis with stock splits and reinvested dividends

The following list should be the purchase date, cost basis, and number of shares in each tax lot. I simply "doubled" the number of shares in the lots from 1993 through 1999. Using today's closing price of $77.31 per share, I computed the current value and the gain for each lot. All of the ...
by madsinger
Mon Apr 07, 2014 11:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cost basis with stock splits and reinvested dividends
Replies: 12
Views: 928

Re: madsinger monthly report (March 2014)

LadyGeek wrote:The wiki has been updated (by another editor): Madsinger monthly reports


d'oh! I've got to learn (and remember) to do this myself.

Thank you to those who have made this resource available.

-Brad.
by madsinger
Thu Apr 03, 2014 8:50 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (March 2014)
Replies: 8
Views: 1455

Re: madsinger monthly report (March 2014)

A rather volatile month that ended pretty close to where it started. For the most part, value was ahead of growth for the month, bonds a little lower. A couple of outliers: Emerging market up 3.86%, Precious Metals and Mining down -3.15%, but most things were fairly calm. The portfolios range from a...
by madsinger
Wed Apr 02, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (March 2014)
Replies: 8
Views: 1455

madsinger monthly report (March 2014)

Here is a big fat collection of portfolios, with their March 2014 returns, 2014 YTD return, and annualized returns since 1999, 2004, 2009 and 2011 (15 years 3 months, 10 years 3 months, 5 years 3 months, 3 years 3 months). I broke them into four categories, roughly corresponding to 100/0, 80/20, 60/...
by madsinger
Wed Apr 02, 2014 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (March 2014)
Replies: 8
Views: 1455

Re: Happy fifth birthday! [since the 2008-2009 market crash]

Brad, Don't use words. They confuse the brain. The basic IRR equation sets the net present value to zero and calculates the discount rate - IRR. From Microsoft Office support for Excel's XIRR function: http://officeimg.vo.msecnd.net/en-us/files/721/252/ZA006051264.gif http://office.microsoft.com/en...
by madsinger
Tue Mar 11, 2014 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: Happy fifth birthday! [since the 2008-2009 market crash]
Replies: 54
Views: 4028

Re: Happy fifth birthday! [since the 2008-2009 market crash]

(...) 2) "Each investment chunk has its own rate of return." Not really. This idea comes from investor's concern with future values. The XIRR formula is actually based on the setting the net present value to zero. This eliminates the assumption of reinvestment of cash flows at the "a...
by madsinger
Tue Mar 11, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: Happy fifth birthday! [since the 2008-2009 market crash]
Replies: 54
Views: 4028

Re: Happy fifth birthday! [since the 2008-2009 market crash]

XIRR doesn't give you five year returns, it gives you one week returns, one month returns, three month returns, and returns from every time you invested in the last 1825 days (I know there is at least one leap year in there, so this won't go all the way back to five years ago). If you want to know ...
by madsinger
Tue Mar 11, 2014 8:18 am
 
Forum: Investing - Theory, News & General
Topic: Happy fifth birthday! [since the 2008-2009 market crash]
Replies: 54
Views: 4028

Re: Happy fifth birthday! [since the 2008-2009 market crash]

I just collected up my data. Much to my surprise, my 5 year XIRR from March 8, 2009 to March 7, 2014 is 24.44%. I was rebalancing throughout, so in February 2009, I had purchased quite a bit of stocks (which had fallen a lot). Also, my precious metals XIRR is much higher than the return of the PM fu...
by madsinger
Mon Mar 10, 2014 10:16 pm
 
Forum: Investing - Theory, News & General
Topic: Happy fifth birthday! [since the 2008-2009 market crash]
Replies: 54
Views: 4028

Re: madsinger monthly report (February 2014)

Which newsletter is "Newsletter", "Newsletter G-IND" and "Newsletter CG" from? I know we don't necessarily want to pop out a bunch of newsletter advertising, but I'm trying to get the complete picture to understand this report fully. I sent you a private message. -Brad.
by madsinger
Tue Mar 04, 2014 4:24 pm
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (February 2014)
Replies: 8
Views: 1013

madsinger monthly report (February 2014)

Here is a big fat collection of portfolios, with their February 2014 returns, 2014 YTD return, and annualized returns since 1999, 2004, 2009 and 2011 (15 years 2 months, 10 years 2 months, 5 years 2 months, 3 years 2 months). I broke them into four categories, roughly corresponding to 100/0, 80/20, ...
by madsinger
Mon Mar 03, 2014 5:38 pm
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (February 2014)
Replies: 8
Views: 1013

Re: madsinger monthly report (January 2014)

Hi: We have created a new page in the wiki, devoted to consolidating madsinger's monthly reports for easier access. Here is the current early status of the page: Madsinger monthly reports - Bogleheads . regards, Thank you Barry, and to all of the others who have added the old links to the Morningst...
by madsinger
Fri Feb 07, 2014 10:52 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2014)
Replies: 32
Views: 4162

Re: madsinger monthly report (January 2014)

BradP You still have not corrected the February return for the Growth Index portfolio. G Index is -2.6% not -2.4%.. (according to the newsletter) investor PS comment: I think ethical standards change with generations. I am of the >65 age group. Hello investor, I was waiting to see the correction on...
by madsinger
Wed Feb 05, 2014 11:52 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2014)
Replies: 32
Views: 4162

Re: madsinger monthly report (January 2014)

They continue to ask about the Hot Hands fund because Brad insists on showing it in his list, and he insists on showing it as the very first fund listed. I have gently encouraged him to remove it (since it is very un-Boglehead in strategy) or to move it down to the bottom of the list. I have tried ...
by madsinger
Wed Feb 05, 2014 9:20 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2014)
Replies: 32
Views: 4162

Re: madsinger monthly report (January 2014)

I've updated the chart with the Newsletter returns. Their website shows the "Growth-Index" model with a +2.4% gain for the month. I'm assuming this is an error, and should be a -2.4% loss. That's how I have posted the chart. If someone learns that this is really +2.4% gain, please let me k...
by madsinger
Tue Feb 04, 2014 12:27 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2014)
Replies: 32
Views: 4162

Re: madsinger monthly report (January 2014)

Minus signs? We haven't seen them for quite a while on this chart. Obviously, January was a down month for stocks almost across the board. REITs were an exception, up over 4%. Portfolios that hold REITs were helped out quite a bit. Bonds were up for the month (we ALL saw that coming, right?) ;-) Wis...
by madsinger
Mon Feb 03, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2014)
Replies: 32
Views: 4162

madsinger monthly report (January 2014)

Here is a big fat collection of portfolios, with their January 2014 returns, 2014 YTD return, and annualized returns since 1999, 2004, 2009 and 2011 (15 years 1 month, 10 years 1 month, 5 years 1 month, 3 years 1 month). I broke them into four categories, roughly corresponding to 100/0, 80/20, 60/40...
by madsinger
Mon Feb 03, 2014 10:49 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2014)
Replies: 32
Views: 4162

Re: 401K rollover question

If you did a "direct rollover", the 1099 form should have a "G" in a box telling the IRS that is was non-taxable.

Here's a link with some information:

http://www.bankrate.com/finance/money-g ... ers-1.aspx

-Brad.
by madsinger
Fri Jan 31, 2014 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401K rollover question
Replies: 2
Views: 171

Re: How to I find a comparable benchmark?

I posted this chart on the other thread, but I thought it might help to have it here: His IRA Her Ira TR2050 2009 27.00% 22.70% 28.31% 2010 -2.00% 3.80% 15.20% 2011 -7.70% -8.40% -2.54% 2012 16.70% 16.70% 15.58% 2013 24.40% 24.00% 24.34% Total 66.77% 68.82% 107.03% annualized 10.77% 11.04% 15.67% Th...
by madsinger
Wed Jan 29, 2014 7:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I find a comparable benchmark?
Replies: 14
Views: 932

Re: My annualized returns are better than yours. Why?

Not a troll. Serious seeker/learner. Thank you all for the insight. I am admittedly new here and ignorant, but am quickly learning. My wife and I have been on the actively managed advisor route since 2008. Here's a better snapshot of our financial situation: Age: 33.5 Me: Net time-weighted and annu...
by madsinger
Tue Jan 28, 2014 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: My annualized returns are WORSE than yours. Why?
Replies: 87
Views: 6925

Re: My annualized returns are better than yours. Why?

I thought I'd try and do a little analysis and comparison of the original poster's funds and a Vanguard portfolio. These are just cold, dry data. Using the 2013 returns from Morningstar: amount return product AEGBX 2.583% 19.26% 0.50% AEPGX 19.439% 20.15% 3.92% AGRBX 4.013% 32.81% 1.32% AGTHX 23.805...
by madsinger
Tue Jan 28, 2014 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: My annualized returns are WORSE than yours. Why?
Replies: 87
Views: 6925

Re: quoting etiquette - ok to snip?

englishgirl wrote:I generally (...) complained yet (...) I expect that the mods have better things (...)


:oops:

(just trying for some innocuous humor...I'll pull this down if you don't like it...)

-Brad.
by madsinger
Tue Jan 14, 2014 1:06 pm
 
Forum: Forum Issues and Administration
Topic: quoting etiquette - ok to snip?
Replies: 43
Views: 3156

Re: Precious metals fund VGPMX

Did VGPMX miss a dividend last month? It has paid a Dec dividend for 10 years in a row. According to the "returns" page on the Vanguard website for VGPMX: https://personal.vanguard.com/us/funds/snapshot?FundId=0053&FundIntExt=INT#tab=1a this fund only had a 0.04% "income return&q...
by madsinger
Mon Jan 13, 2014 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Precious metals fund VGPMX
Replies: 41
Views: 7118

Re: Dogs of the Dow instead of S&P 500?

By the way the first Cisco first payed a dividend in 2011, Microsoft in 2003, and Intel in 1992 (well before it was added to the DOW) Ha! Okay...so I haven't been paying attention! Thanks for the information. I do remember when both cisco and Microsoft started paying dividends. I also recall that w...
by madsinger
Tue Jan 07, 2014 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dogs of the Dow instead of S&P 500?
Replies: 27
Views: 2451
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