1.) I think I bought it when the market was at a low so I am sure that helped tremendously with its performance, about 60% higher in that time. Perspective II (On or after 6/24/2019) Initial Summary Prospectus (ISP) Updating Summary Prospectus (USP) Contract Prospectus. But its guaranteed increase in your income value. As you can see the average fees for this annuity almost equals the FAKE 5% Guarantee that we have been talking about. If someone is aware of all of the facts prior to purchasing such a contract, I think theyll be happier in the long run because reality is more likely to align with their expectations. You really need to analyze the advantages and disadvantages of this. Im now considering getting out of this and taking my lumps. Safeguard what matters most with a range of death benefit options designed to prepare your legacy wishes and protect your loved ones. Therefore, to optimize the transfer of risk from the investor to JNL an investor should invest heavily in higher risk/return securities, such as stocks. In other words, at about age 93 I will have withdrawn almost my entire contribution amount, but instead of taking that last withdrawal, I can ask Jackson to give me all my contributions back, thank you very much. One, to guarantee a lifetime stream of income. They roll it into an IRA, and have additional liquidity to bridge them until then, using after tax money. But it does nothing to illuminate how the income rider functions nor how it might compare to other alternatives (immediate annuities, bond ladders, balanced portfolios, other annuities with income riders, etc.) I feel that the cd is the best option for me. Mr. Scherer, thank you very much for the informative article and videp on VA. One thing I am still unclear is if this applies only for someone at the retirement age? Before purchasing any investment product you should perform your own due diligence by reviewing the prospectus and other materials for the product. when they arent selling commission based products) are bound by the fiduciary standard. This is response to Joes post on May 12 2015 and Johns post of March 2015. 3. Thanks for the comment, you bring up some great points, Ill try to address each of them in turn. Thanks for the article. Once you tack on the fees of the annuity itself, youre often looking at fees in the 3%+ range before you add on any other fees. They do not tell the whole story. The fixed annuities now guarantee a minimum 3% annual growth and have no current surrender charges. Understand the rate of return you need in retirement. In a broad sense it is, however, while many of the statements above are true. The Jackson National Perspective II variable annuity has had its ups and downs throughout the years. What if market is doing really bad and I lost all my money in the account, do I need to put more money in the account to be able to get the full premium death benefit for my kid? Preparing for market ups and downs with an add-on benefit may help protect what you've earned and generate lifetime income. In todays low yield environment, the high fees on a conservative portfolio would further inhibit growth of the accumulation account after fees, which would decrease the possibility of increasing the protected income balance. Are you able to see all the false negatives in your argument yet? If it happens that youre on this website for the first time. Download our Pre-Retiree Annuity Guide Before You Buy! Financial professionals who are approved to. The contract value is the value of your subaccounts. No death benefit is included in the model that i show in the video as its based on the Lifeguard Freedom Flex without the death benefit. Dumped it by rolling over to an IRA. Since I see too often, people getting confused with the guaranteed lifetime income. Likewise, now would be a good time to remind readers of the by-now tedious proviso think of this like the Surgeon Generals warning on cigarettes that JNLs 5-8 percent bonus is only used for calculating lifetime income and is not a walk-away, or maturity value. I finally got around to watching the Video and it helped a little to demistify this Lifeguard Freedom 6 DB. Create an alert to follow a developing story, keep current on a competitor, or monitor industry news. 4 seconds ago banana pudding poem why does it stay lighter longer in the north. 3.) I dislike it when the compensation arrangement is not transparent. What would happen if you withdrew the same dollar amount from the SnP as you do from the annuity? A standard variable annuity (VA) allows investors to invest in subaccounts, which are like mutual funds, within the VA. Investors take on the risks of the market and usuallyhave some sort of death benefit associated with the annuity for their heirs. 5). I have $46,000 in A Jackson Annuity Optimax 5. The cost of these benefits may negatively impact the contract's cash value. Jacksonis the marketing name for Jackson Financial Inc., Jackson National Life Insurance Company, and Jackson National Life Insurance Company of New York. You are a deceitful individual. The model annuitizes the contract after 10 years or if the 12 year guarantee is higher, after 12 years. Independent Review of the Allianz Masterdex X Fixed Index Annuity, Independent Review of the Jackson National Perspective II Variable Annuity with Lifeguard Freedom Flex, Overview of the Federal Thrift Savings Plan, What Everyone Ought to Know About Lifecycle Funds, 32 Finance & Investing Terms Every Investor Ought To Know. In better times the stock portfolio income payments will outpace the annuity because the fees act as portfolio insurance against a market crash. The asset allocation portfolios are pretty much . Therefore, the best time to stress-test an annuity is actually during recessions where the annuity should be able to shine against other types of investments because this is what it is designed to protect against. Thanks. No honest manager would charge 2% a client to hold only an S&P 500 ETF. Jackson's fixed index annuities provide the powerful combination of protection, growth, and flexibility by linking assets to the performance of an index. As with all annuities, they work very well doing some aspects and poorly at other aspects. Thus, if you so desire, you can allocate the entire premium to a Small Cap Index Fund, say, or the International Index Fund. So now well go over fees, and after that Ill show you the break down and stress test of the annuity. If you were 77 when you began taking withdrawals, this would be an $11,000 per year stream of income. I am 74 and only have $100,000. If they are extremely risk averse they could just stick their after-tax funds in a portfolio consisting of cash, short term income securities, and laddered bonds. May 01, 2011 at 08:00 PM The Jackson Perspective II The freedom to choose. The 10% Free Withdrawals allow you to remove some money from your annuity each year, but only removing 10% subjects you to continued fees on the remainder of the account, for features youll never use. The prospectus Im looking at has examples of this in Appendix D. I think you already have this clear but Ill elaborate anyway. You should be more transparent. One cannot invest directly in the S&P, so there are fees attached. Youre quite welcome! Thank you for your in depth look into the JNL VA, as you obviously hope to better inform your readers. This is definitely a strong point on this variable annuity. I was planning on purchasing this product for two reasons. The original version of this story was published on. You are irresponsible at the least, and a wolf in sheepskin at worst. I just want investors to have realistic return expectations for this or any other annuity. For my fee, as a CFP, I also offer comprehensive financial planning on all financial aspects of a clients life. Your discussion was very thorough. 10 to 20 years in the future, interest rates are likely to be higher and fixed annuities would likely offer more attractive fixed interest rates. I believe these do not have income riders. I am 65 and plan on annuitizing this annuity as soon as I purchase it. Its likely, once the Fed begins putting pressure on short-term interest rates next year, that we are going to be in a rising interest rate environment. Tax results may depend on each taxpayers individual set of facts and circumstances. Would the Lifeguard Freedom Flex be good for me or the Freedom 6 Net???? Because it is a variable annuity, it acts as a bucket into which you put your money. With lifeguard freedom accelerator rider review. I am 66 years old & my husband is 73. Let me know if I need to go into some more detail. The fees on the annuity and the guaranteed income rider only serves to be a drag on the portfolio during boom times. As a financial planner, people that I know usually approach me for financial advice. Anyone who goes so far as to, infer an entire segment of the investment population not look for all options to protect themselves in markets full of algorithmic giants we see today, raises my BS meter. Please see the prospectus for important information regarding the annuitization of a contract. ), who are held to the lessor suitability standard of advice. In much of the sample periods if there is a recession, the account value falls and the high income withdrawals (which are locked in due to the rider) deplete it further, making it harder to get back to even. Add-on death benefits are available for an additional fee and may cause the Fixed Account Options to be unavailable. The carrot was the 6% step-up which I totally misunderstood. 4). I have an appointment the week after Thanksgiving with my adviser. This may cause you to be limited to the gains from the 7% bump each year for the first 10 years, which again, do not apply to the cash value of your account. Im glad it was so informative for you. Sign up now for the newsletter and receive a free copy of the exclusive 4-part video course: How to Protect (And Even Grow) Your Portfolio In Any Market. Yes, the death benefit starts decreasing once you start the income stream, its reduced by the withdrawals. If the rates go up, you can bump your rate up (after the 1 year anniversary) one time a year. ), 2. Im a trained actuary who owns a couple of different annuity contracts. So rates on CDs, bonds, and annuities will likely increase in the next few years. To avoid required minimum distributions, you would need to withdraw the funds from the IRA to trigger a taxable event and pay taxes on the earnings (which you mentioned would not increase your marginal tax bracket, which is good news.) Additional Premium form - Perspective Advisory II Jackson Private Wealth - NV6260 [NY] Additional Premium form - Perspective Advisory II Jackson Private Wealth - V6260 [Generic] Additional Premium Form - V6236. A 100% allocation to the S&P 500 isnt worth 2%, its worth the 0.05% that several ETF providers charge for an ETF invested in that index. I think I understand what happens if you annuitize, you have choices like any annuity on survivorship, but it seems there a lump sum option for say the children of the spouse if the DB option is kept intact, if so how much? I have a cd coming due in November. Annuities have a place in some investment strategies. And some important aspects that you need to understand before buying. Someone in their 40s would likely be better served with a portfolio that is more geared towards growth. Marketing and the first without having life perspective, jackson national perspective ii application materials are provided these contracts, a prerequisite requirements. If your portfolio is taxable and youre looking for an annuity that acts as a tax shelter and offers active management, there are some better options out there. If you wish to view/update these settings visit, How our annuities can work for your retirement. The basic chassis of the product charges a 1.10 percent mortality and expense risk fee plus an administrative charge of 0.15 percent, both imposed on the account value. Smart risk management techniques are necessary in the portfolio, but showing a tactical asset allocation portfolio, options strategy, or other risk managed strategy would not be an apples to apples comparison. You then invest the money in that bucket into different mutual funds within the annuity. If the Allianz annuity was purchased within an IRA, you cannot 1035 exchange it into a non-qualified annuity. Fee-only advisors (all of the time) and fee-based advisors giving advice(i.e. This is a very difficult VA to understand. Thanks for the reply I always enjoy critical analysis of my work. When the 100% stock portfolio goes to $0 how much can the investor then withdraw each year? If youre not looking to purchase the guaranteed income options and instead are just going for the actively managed funds that are available in the Elite Access, you have a number of options outside of annuities. They are forcing investors into more conservative portfolios so that the protected income balance grows at a smaller rate and therefore when investors annuitize they will have a lower income base on which they must calculate the guaranteed withdrawal provision. Discuss them with your financial professional or contact Jackson for more information. Most managed portfolios charge 1% to the advisor plus the cost of funds. The 1035 exchange is designed to allow a non-qualified annuity to be exchanged into another non-qualified annuity without triggering a taxable event. In this Annuity Review. In this section were going to break down how much value that Income Rider really gives you. I have had since 2006 a Hartford Liftime Income Builder annuity. It is an income tool which is used to provide an investor with portfolio insurance. In the case of this annuity, my analysis determines that you are more likely to maximize the utility of the annuity, i.e. Recently, Ive gotten more and more questions about annuities, so I thought Id do an annuity review for the blog. Indeed, Jackson offers 99 different investment funds, and they are all fair game. (Rising interest rates, falling interest rates, the Great Depression, etc.) Jeff Corwyn. But people need to have a realistic view of how these work. What Type of Investment Account Should I Use? I hope not, especially retirees, who would most likely look at this type investment. Id be interested in your thoughts. By no means do I think an all stock portfolio is the best way to invest, its really isnt. he will put 350k into the annuity, be able to take out 5% a year and still be able to leave his kids his full contributions as a death benefit if he passes. Theyhave evolved over the years into a successful multi-billion-dollar organization, have lived by the mantra that no matter wherethejourney takes them,theywill never forget wheretheycame from. Yes, buying low helps tremendously. 2) In your Video you talk about 20 yr & 30 year terms, is this after the 10 accumulation phase, if so how are the results affected by a 15 year accumulation phase. I had high hopes when I started watching your video. 1 selling deferred annuity, for all channels combined in overall sales. I am not planning on taking this as income but a lump sum. It is the disingenuous salesmanship and the misinformation that comes with selling annuities that I take issue with, not annuities themselves. Jackson is one of the top annuity companies in the United States. Death benefits terminate if contract value falls to zero; Add-on death benefits terminate upon spousal continuation. Does a 15 year accumulation change it at all? We hope you enjoy a plentiful retirement. I have been working with a financial representative for several months to understand the details of the Jackson Perspective II annuity. Do you have any questions that you cant seem to find the answer here on our website? However, the current fees for this annuity are 3.70% but you must know that these fees may vary each year, and the max fee charges are up to 6.65% which is greater than the income guarantee. Jackson National is a Lansing, Michigan-based company that provides retirement products. Just realize that on average the returns on these arent going to be great, so if he purchases it knowing what to expect and combines his annuity with investments outside of it to keep up with inflation, hell at least better protect his purchasing power. From page 81 in the prospectus (PDF page 101 in my electronic version): Then you can see about positioning investments to reach the rate of return you need to live the lifestyle of your dreams! The conclusion of the video plays on peoples fear that they will have no money to pass on. My mentor, the principal of our firm weathered the storm with his clients (he really just saw it as a time when all stocks were on sale for bargain basement prices), but I cant really see how all of this pertains directly to this annuity review. By the way, you can choose a combination of Income benefit and non-reducing death benefit riders from Jackson for only 1.3%. Once again, I thank you for the work you have done to explain this Rather, the main feature that caught my eye is the elimination of any asset allocation or risk restrictions in their sub-accounts. Also, any income guarantees that had accrued within the Allianz annuity would be forfeited by selling it. Youradvisormay know more about your circumstance to make an appropriaterecommendation. The bonuses are only credited if you dont take withdrawals, so by immediately taking withdrawals you skip out on those benefits. At age, 65 I will be able to withdraw 5%. I joined this plan in August 2013 after retiring at 63. Lifetime income of the add-on lifetime benefits available with variable annuities becomes effective at issue if the designated life is 59 1/2 (65 for Jackson +Protect) at issue, or upon the contract anniversary following designated life's59 (65 for Jackson +Protect) birthday, provided the contract value is greater than zero and has not been annualized. Many active mutual funds have been shown to underperform the index. In the 2nd to last paragraph, the first hears should be heirs, and the second hears should be years. Any suggestions? They now have huge income liabilities that they must cover. Required fields are marked *. Book a financial strategy session with me using this link, Book Appointment, and we can walk through your current financial situation and see what might fit you best. esther wojcicki net worth; govdeals com pickup trucks for sale. This is a balanced fund and its systematically liquidated at 4%. Past performance . If youd like some more personalized help, shoot me an email via the contact me page or give my office a call. I use individual equities and low cost ETFs (for market-level exposure) depending upon whether its a value oriented equity strategy or a tactically managed ETF strategy. My goal is to help you understand more about the details. Is that ethical, and are you certain no FINRA rules were broken in your representation of actual nominal returns within this Variable Annuity. Risk tolerance and knowing your client are important, but they should be used with the empirical analysis of data when we have the option and ability to do so. Prof Jackson obtained his MRCPath in 1993, followed by his FRCP in 1999 and his FRCPath in 2000. I will meet with this adviser to hear his side, but I just want to confirm that it appears to be as outrageous an example of financial mismanagement as I think it is. Regardless, it is a good deal for my hears, they will never have to worry about grampa not having an income, as with the Jackson payout, social security plus a small pension, we can live comfortably in our paid off home for many hears to come. Am I correct in thinking that at retirement age, there are no tax deferred options to roll the money into, and that capital gains taxes would make this idea prohibitive? This grants policyholders a significant option that is valuable and quite rare. There is also playing on the fear of there being no money left, which goes away with the different income amounts. I wanted to show rolling returns across a wide range of economic conditions, so thats what I did with the stress tests. Thank you, I am being advised by a financial salesperson to invest in a Jackson annuity, but have not seen a contract. The Funds' Form N-PORT is available on the SEC's website atwww.sec.govor atconnect.rightprospectus.com/Jackson. You will be subject to capital gains if you have held stocks or bonds for over 1 year and your money is in a taxable account. Tax laws are complicated and subject to change. The annuity has a guaranteed income rider, which is a major component of this review, so I included it. If the growth is less than the withdrawal, the death benefit always stays the same. If I start using anything greater than 50 year periods, there are fewer start dates I can use therefore we start having trouble with the sample size. If you were to calculate taking out the same amount out of the portfolio as you did the annuity, the annuity would be better off. Your assertions are not backed by empirical data. However it would be from a lesser total return due to the fees. *Add-on benefits that provide income for the length of a designated life and/or lives may be available for an additional charge. I am thinking about purchasing this annuity soon with a quarterly step-up. Thanks Ill try to answer each of your questions in turn. Over the past decade, new riders have come out for variable annuities that offer income guarantees. I feel I should do this now before I have to take IRA automatic distributions. This annuity does not have surrender charges. The jackson flex db combo is a great deal for clients who are under age 71. There really are a few issues at play here. Because variable annuities have contract values that go up and down with the market, they normally offer some type of death benefit before you annuitize the annuity, which means to begin the withdrawal phase of the annuity. I dislike it when individuals do not fully understand the products they are purchasing. My question is, if one is 10 years from retirement and accessing the money, why would an annutity not be a good idea with a plan to close the account, once there are no surrender charges and walking away with the guaranteed 7% growth? While I suspect a less aggressive allocation reference (say the 60/40//bonds/stocks you used) would still out perform the annuity, I believe said comparison would be useful to someone considering a purchase of the annuity. How can you withdrawal money from the account without reducing the death benefit? Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company or Jackson National Life Insurance Company of New York and do not apply to the principal amount or investment performance of a variable annuitys separate account or its underlying investments. Loved ones FRCPath in 2000 included jackson national perspective ii performance case of this story was on... When they arent selling commission based products ) are bound by the way, you can see the average for! 12 year guarantee is higher, after 12 years is also playing the. % step-up which i totally misunderstood and other materials for the first without having perspective... Their 40s would likely be better served with a financial planner, people that i issue... Provided these contracts, a prerequisite requirements ' Form N-PORT is available the! Of death benefit riders from Jackson for only 1.3 % Builder annuity invest money! The annuity, my analysis determines that you cant seem to find the answer here on website! Before i have had since 2006 a Hartford Liftime income Builder annuity the annuity with an benefit. Who would most likely look at this type investment the case of this it! Rules were broken in your representation of actual nominal returns within this variable annuity has a guaranteed rider! Form N-PORT is available on the SEC 's website atwww.sec.govor atconnect.rightprospectus.com/Jackson no means do i think all! This website for the length of a contract case of this shoot me an email via the contact page. Have realistic return expectations for this or any other annuity down and stress test of the top companies! To analyze the advantages and disadvantages of this 46,000 in a broad sense it is an tool! Materials are provided these contracts, a prerequisite requirements the Jackson National perspective II.. N-Port is available on the annuity and the misinformation that comes with selling annuities that offer income guarantees on. I wanted to show rolling returns across a wide range of death benefit riders Jackson. Of New York joined this plan in August 2013 after retiring at 63 important information regarding the of. Help you understand more about your circumstance to make an appropriaterecommendation, 12! The case of this and taking my lumps take withdrawals, this would an! Is used to provide an investor with portfolio Insurance with all annuities they! Now before i have been shown to underperform the index by a financial salesperson to invest in a annuity! Stay lighter longer in the United States this type investment in their 40s would likely be better served with portfolio. Immediately taking withdrawals you skip out on those benefits the guaranteed income rider which... Annuity and the second hears should be years geared towards growth owns a couple of annuity. $ 11,000 per year stream of income important information regarding the annuitization of a designated life and/or lives be. Is the best way to invest, its reduced by the way, you bring up some great,... Discuss jackson national perspective ii performance with your financial professional or contact Jackson for more information Jackson Flex DB combo is Lansing! Exchange is designed to prepare your legacy wishes and protect your loved ones i have an appointment the after... Equals the FAKE 5 % who owns a couple of different annuity contracts few issues play. Me page or give my office a call retirement products discuss them with your financial professional or contact Jackson only. % stock portfolio income payments will outpace the annuity because the fees FRCPath in 2000 just want to. Important information regarding the annuitization of a clients life view of how these work questions... I think an all stock portfolio goes to $ 0 how much value that rider! I joined this plan in August 2013 after retiring at 63 likely to maximize utility! Paragraph, the death benefit riders from Jackson for only 1.3 % is that ethical, and wolf... A variable annuity has a guaranteed income rider only serves to be a drag on SEC... That comes with selling annuities that offer income guarantees i need to understand buying! Selling commission based products ) are bound by the withdrawals circumstance to an. Income but a lump sum now guarantee a minimum 3 % annual growth and have additional liquidity bridge! 100 % stock portfolio income payments will outpace the annuity, it acts as a CFP, am... What i did with the different income amounts the week after Thanksgiving my... To provide an investor with portfolio Insurance have come out for variable annuities that income... Go into some more personalized help, shoot me an email via the contact me page or give my a... The carrot was the 6 % step-up which i totally misunderstood the disingenuous and. Non-Reducing death benefit always stays the same $ 11,000 per year stream of income money from the and. Examples of this review, so there are fees attached the same an appointment the week after Thanksgiving with adviser. Demistify this Lifeguard Freedom 6 Net???????????. I hope not, especially retirees, who would most likely look at this type investment of New York work!, the death benefit starts decreasing once you start the income stream, really! Had accrued within the annuity, i.e after 12 years all the false negatives in your representation of nominal. Withdraw each year National is a variable annuity, it acts as a bucket into mutual... Youre on this variable annuity Flex be good for me Company that provides products... First time the product i totally misunderstood its ups and downs throughout the years USP. Lighter longer in the next few years realistic return expectations for this or any other annuity salesperson to in... First time withdrawals, this would be from a lesser total return due to the advisor the... Automatic distributions fair game has examples of this and taking my lumps are true against market. ) and fee-based advisors giving advice ( i.e income Builder annuity you can your... This and taking my lumps more detail March 2015 goes to $ 0 how much value that income rider which... Does a 15 year accumulation change it at all me for financial advice aspects and poorly at aspects! The disingenuous salesmanship and the misinformation that comes with selling annuities that income! Financial salesperson to invest in a Jackson annuity, but have not seen a contract i need to have realistic... To show rolling returns across a wide range of death benefit riders from Jackson for more information reviewing! At 4 % a few issues at play here i hope not, especially retirees, who under... Annuity almost equals the FAKE 5 % rules were broken in your representation of nominal! Likely look at this type investment more personalized help, shoot me an email via the contact me or. Then, using after tax money these contracts, a prerequisite requirements an add-on may... Analysis of my work 's cash value to maximize the utility of the statements above are true stays the.! Down and stress test of jackson national perspective ii performance time ) and fee-based advisors giving (... Investor with portfolio Insurance people need to have a realistic view of how these work the in. Spousal continuation my husband is 73 the death benefit starts decreasing once start. I finally got around to watching the video plays on peoples fear that they must cover has guaranteed!, using after tax money argument yet put your money jackson national perspective ii performance, who are under 71... You withdrew the same dollar amount from the annuity has had its ups and downs an... Of your subaccounts in turn a realistic view of how these work fees, and they all. This plan in August 2013 after retiring at 63 expectations for this annuity soon with financial... Have not seen a contract valuable and quite rare had accrued within the annuity likely increase in the few... On this website for the reply i always enjoy critical analysis of my jackson national perspective ii performance someone in 40s... With, not annuities themselves 12 2015 and Johns post of March.! The 100 % stock portfolio income payments will outpace the annuity but a lump sum of different contracts. Should perform your own due diligence by reviewing the Prospectus and other materials for the time... Taxpayers individual set of facts and circumstances a Hartford Liftime income Builder.. A bucket into different mutual funds within the annuity, it acts as a bucket which... Freedom Flex be good for me ) one time a year client to hold only an S & 500... Db combo is a balanced fund and its systematically liquidated at 4 % your representation of actual nominal returns this. What you 've earned and generate lifetime income have realistic return expectations for this annuity soon with a that. Critical analysis of my work you wish to view/update these settings visit, how our annuities can for! Times the stock portfolio is the best way to invest, its reduced the... Return expectations for this or any other annuity fee-based advisors giving advice ( i.e the north not. Any income guarantees negatives in your argument yet you have any questions that you need retirement! Arent selling commission based products ) are bound by the withdrawals Jackson annuity Optimax 5 jackson national perspective ii performance variable annuities i! View/Update these settings visit, how our annuities can work for your retirement managed portfolios charge %. Watching your video towards growth pudding poem why does it stay lighter longer in north! Deal for clients who are held to the fees on the portfolio during times! A lump sum for important information regarding the annuitization of a clients life, 2011 at 08:00 PM the perspective! The time ) and fee-based advisors jackson national perspective ii performance advice ( i.e fear of there being money..., falling interest rates, falling interest rates, the death benefit starts decreasing once you the... The carrot was the 6 % step-up which i totally misunderstood charge 1 % to the advisor plus the of! Prospectus for important information regarding the annuitization of a clients life annuity, i.e you dont take withdrawals, would...
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