Being able to speak a foreign or additional language is a skill that is very useful in a shrinking and borderless world. Easy and inexpensive travel has enabled people to frequently travel abroad. Whether the travel is for work or leisure, the experience becomes richer if one is able to communicate in the local language. Additionally, in many countries the locals regard the visitor who can speak their language as one of their own. In recognition of the growing number of people who need to learn a foreign language, there are many intensive or crash courses that enable people to pick up the essentials for speaking in a given language.

For those who do not have the time, there are now electronic language devices that allow instant communication in a foreign language. There are talking language translators that come with well over a hundred thousand words and thousands of useful phrases to help a traveler or business person to more than get by in communicating in the local language. Such a device has proven to be very useful even for those who can speak a foreign language but are not fluent in it and need a bit of help to be understood.

There are now millions of people who rely on electronic language devices to communicate instantly in a foreign language. To cater to their needs, a wide selection of talking and non-talking models is available. These easy to use, lightweight models allow users to check spellings, find meanings and synonyms of word in addition to giving examples of word use in sentences. They also enable a user to key in a meaning or phrase and the electronic dictionary finds the required word. Apart from providing instant access to words, users can find common expressions, idioms, medical, technical, legal, business terms and slang. Some of them are voice-enabled translation devices talking devices!

The handheld devices convert words and phrases and if the user is not comfortable or confident in speaking the given word or phrase, they can let the target listen to the device as it “speaks” the given word or phrase. In such a case, an environment with low noise levels would be preferable. The alternative would be to show the target what is on the display and let them read the contents. Newer and more sophisticated models are being introduced and these have multi-lingual functions and other features which are useful to travelers. Languages include Albanian to Yiddish and many others in-between. For those who need to communicate instantly in a foreign language, such devices are indeed an answer to their prayers!

Choose any handheld device in as many as 48 languages from the world leader in the development and production of such devices. There are 7 generations of electronic dictionaries. Created by linguists, programmers, designers and engineers, the models offered are modern in design with high-quality linguistic bases and the widest range of features. Click here to learn more.

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A Chase Saunders Case Study

I owed 60k on four loans and 11 cards, but paid it all off and am now debt-free. Here’s how you can sort your debt problems.

An easy to follow plan could help many relieve the burden of debt and high interest payments.

Britain has become a country of debt addicts, with many people relying on credit just to make ends meet. According to the latest figures from the Bank of England, we owed over 1,000 billion to mortgage companies. Thus, thanks to increasing house prices, mortgage debt has grown by 450 billion in the past 5 years.

Over the same period of time, unsecured credit (personal loans, credit cards, store cards overdrafts etc) has grown from 132 billion to 192 billion. This means that unsecured debt has increased by 1 billion a month since May 2001, and now amounts to almost 8,000 per house!

Personal debt is at an all-time high and it is no surprise that millions of borrowers are struggling to keep up with their monthly repayments. I know exactly how they feel, because I was in the same situation, when I found myself owing almost 60,000, thanks to four personal loans (including a debt consolidation loan !) and eleven credit cards, most of which were maxed out!

Here are a couple of tips to handle debts:

Tip 1 - Budgeting

The first aspect you must tackle is your household budget. Househould financial mismanagement is very often the main cause of debt problems.

The first thing that you should do is list all of your priority expenses. These are the essential bills which you must pay every month.
These include:

Rent or mortgage (you need to keep a roof over your head)
Council Tax (non-payment could lead to imprisonment)
Utilities (gas, electric, telephone and water)
Food (you need to eat!)
TV Licence
Hire purchase (for example, car payments)
Child Support
Secured Loans (your home could be at risk for non payment)
Travel costs
Clothing
Fines, ccjs etc

Once all of these costs have been met you will be left with your disposable income. This is the amount you have to pay your creditors. If you dont have enough to pay your creditors this is a warning sign that things are getting out of hand.

Tip - 2: Prioritise debts

Almost everyone underestimates just how much money they owe. Your need to stop ignoring the problem hoping it will somehow magically disappear. Get all of your statements etc together and make a list of all the debts.

Don’t list the debts in order of the amount owed. What you need to do is list them from the highest interest rate to the lowest, because it’s better to pay off your most expensive debts first. Store cards are usually the highest, because most charge rates of at least 26% APR. At this point you should destroy your credit and store cards. With better budgeting you should no longer have to rely on them and doing so will only increase your level of debt.

After you have listed your income and expenditure, make an honest assessment of your situation. If you dont have enough to pay the creditors or don’t know where to begin, get professional help from a debt consolidation service, such as Chase Saunders. They will draw up a debt-management plan for you and will negotiate with your creditors on your behalf.

If you have a surplus of cash after all of your payments then you have several options:

You could make the minimum monthly payments on your debts while allocating all of your spare cash at your most expensive debt (the highest interest) until it’s gone. Then tackle the next most expensive debt and so on, until all of the debts are paid in full. This is known as ’snowballing’, because the rate at which you repay your debts snowballs as your debts reduce.

If you have any savings, use as much as you can spare to pay off your most expensive debts. After all, there’s no point earning after-tax savings interest of 4% a year when you’re paying 30% on your store card!

In order reduce your interest bill and save time, you could consolidate your existing debts with a low-rate debt consolidation loan (or transfer to a 0% card but read the terms and conditions carefully because one late payment could void the low rate). However, you should only consider this if you are certain you wont be tempted to use your cards again! Many people who take out consolidation loans go on to build up more debts again.

If none of these options are open to you it may be worthwile considering a more formal approach such as an Individual Voluntary Arrangement (IVA). This is legally binding contract that can have up to 75% of your debts written off and is a viable alternative to bankruptcy.

Mr P McCann is an experienced debt consultant who specializes in Individual Voluntary Arrangements (IVAs). For more information visit ==>debt consolidation at http://www.chasesaunders.co.uk

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Sooner or later, every salesperson experiences a down period of sales results. These periods, where your continued activity seems to yield less than satisfactory results, are normal and to be expected. None of us can keep up a pace of 200 miles per hour day after day, month after month, year after year. The key is to keep your attitude positive, your focus on what is working, and your activity levels high regardless of the results.

In my best selling book, Soft Sell, I share the idea that there are a variety of sales slumps. In this short tip, I will only discuss four. They are:

1. An attitude slump.
2. A prospecting slump.
3. A presentation slump.
4. A closing slump.

An attitude slump is where you find it difficult to maintain your confidence, poise, commitment, dedication, persistence and motivation. This can be due to a number of causes. Some of them are: a) you have lost belief in your organizations products or services. b) you are not reaching your goals or objectives according to your schedule c) You are under a great deal of stress due to deadlines, expectations or loss of control of the sales process, and d) you have other issues in your life that are impacting your attitudes.

A prospecting slump is where you lack adequate qualified leads and are spending a great deal of time calling on poor prospects. As a result, your close ratio is a disaster. This could also be caused by your poor prospecting strategies: i.e. you are still (after several years selling your products/services) spending a lot of time cold calling.

A presentation slump can be caused by your lack of up-to-date product knowledge, poor presentation skills, or poor communication skills: i.e. listening, speaking or writing. This can also be caused by your lack of knowledge of the prospects needs, use of, or applications of, your products/services. You, therefore, give an organization-driven rather than a customer-driven sales appeal.

A closing slump can be caused by your lack of control of the sales process, poor prospecting, poor sales presentations, or many of the items in the attitude area we have already discussed.

As you can see, there are a number of areas where you can experience a down cycle in your sales approach. The thing to consider is that all of them are related to each other. In other words, if you are experiencing an attitude slump, it will have an impact on your prospecting, closing, etc. If you are in a closing slump, it will impact your attitudes, as well as other areas of the sales process.

The thing to remember is that you cant pull out of any of these slumps by just focusing on the one area that you feel might be the problem. You have to work on all of them. The way out of a slump is to go back to what works, or has worked for you in the past. It is also an excellent time for reflection and self-evaluation of your progress, success, weaknesses, strengths, etc.

Tim Connor, CSP is an internationally renowned sales, management and leadership speaker, trainer and best selling author. Since 1981 he has given over 3500 presentations in 21 countries on a variety of sales, management, leadership and relationship topics. He is the best selling author of over 60 books including; Soft Sell, Thats Life, Peace Of Mind, 91 Challenges Managers Face Today and Your First Year In Sales. He can be reached at tim@timconnor.com, 704-895-1230 or visit his website at http://www.timconnor.com.

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Immersing yourself in the language and culture is the best way to learn to speak German. Living in Germany is the very best option to learn to speak German, but this is not an option for most people.

Some colleges and universities offer total immersion in the German culture. Oftentimes on college campuses you will find a German house where everyone who lives there can only speak German. The students who opt to live in the German house will learn to speak German very quickly.

If you arent on a college campus that has a German house, probably the most interesting and easiest way to learn to speak German is to live with a native speaker. If you dont happen to live in house with a native German speaker, then you will have to pursue another option to learn to speak German.

Nothing beats conversation with native speakers to spark your enthusiasm to learn to speak German. You could join a local German club or find out if there is an enclave of native Germans in your area. If so, sometimes these groups have activities that you can attend such as monthly festivals or weekly folk dancing classes. Very often the people who attend these types of things are native Germans who speak German among themselves. If you can hook up with this type of group, as you learn to speak German, you will have a group of people where you can practice your German in real life situations.

Another option to learn to speak German are home-study programs that allow you to learn to speak German at your own pace. Some of these self-study programs are quite effective and entertaining. Everyone who wants to learn to speak German wants to learn as quickly as possible, so quick learning is a selling point for most products offered online and in stores as well.

Everyone will learn to speak German at his or her own pace. Finding the mode that fits you best, be it an online course, or CD program or digital download or taking a class at a local university is best determined by you. You might like to start with a course you buy online and can download to use at your own pace. As you learn to speak German more, you can supplement your learning with some of the other modes suggested in this article.

Remember to make your project to learn to speak German fun. As you learn to speak German, you will find it easier to learn more. Be persistent and all of your efforts to learn to speak German will soon have a rewarding payoff.

Riley Wells is a writer who reviews various products including German learning courses. You can find the course Riley recommends as the best one to learn to speak German at http://www.luxbuyer.com Sign up for a free 6-day ecourse on learning German here.

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How strong are your business relationships? In todays fast-paced society, the frenetic pace of work and life ensure that we wont get very many chances to make that good first impression. The following guidelines will allow you to maximize the trust that others place in you and make a good impression each and every time.

1. Be Responsive

* Return all calls within 24 hrs (minimum)
The simple act of getting back to people that contact you via phone is a lost art. Most business people overlook how important it is to return all calls quickly. It displays respect for the message and for the person calling you, essentially sending the message, Your call is as important as every other call I get, and I give it my prompt attention.

* All emails within 24 hours
It is just as easy to return an email within 24 hours as it is a call. There really is no excuse (or no good excuse) for not getting back to people while they still remember that they contacted you!

* Listen twice as much as you talk
Contrary to popular opinion, listening is just as important as your ability to communicate ideas in the business world. Most people emphasize the latter rather than the former, and as a result fail to build trust in their business relationships.

Leifs quickie guide to better listening:

A. Frame messages quickly. Reflect back to the person to whom you are listening a condensed version of what you have discerned.

B. Attend to non-verbals: Match nods, body position, gestures. This increases their comfort level with you.

C. Attend more to how the person is articulating much more than what they are articulating.

II. Offer Value at Every Turn

* Pragmatic value is key
The value you offer, whether it be a service, a product, or a relationship, has to have utility for the person you are trying to build a relationship with.

* Always follow up
Always. If you spent a half hour discussing something and dont follow up, those thirty minutes were wasted. Follow up with a thank you, a note, an article of interest, whatever. But follow up.

* Be honest
Honesty is a lost art in relationships. Everybody pays lip service to the idea that they value it, but few people actually seek out honest, unabashed feedback. If you can provide it, you will instantly build integrity in your business relationships, because very few people do so.

III. Be An Object of Interest

* Use the language well
Learn how to speak well. Learn new words and increase your vocabulary on a weekly basis. Doing so tells other people that you are an educated individual, and value how you come across in interpersonal settings.

* Dress well
When in doubt, overdress. Dressing well is simple to do, no matter how much you earn. Buy quality clothes, nice shoes, etc. Looking nice sends a message that you care about your physical appearance.

* Be contrary
Dont be afraid to be contrary, even if it means throwing others off their high-horse every now and then. Being contrary and the ability to have an opposing viewpoint sends a message that you have your own thoughts on the matter and care enough about them to not compromise.

Copyright (2006) Leif H. Smith, Psy.D. All Rights Reserved.

Leif H. Smith, Psy.D, specializes in improving individual and organizational performance. To get more information about his coaching or consulting services, or to sign up for his complimentary monthly productivity newsletter, visit http://www.personalbestconsulting.com

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Before getting into an understanding of the fuss surrounding the co-existence AJAX and SEO, let us first answer the question. Can SEO and AJAX co-exist? The answer is that the two will definitely have to co-exist, and both developers and end-users will stand to benefit from this.

Emerging technologies tend to have an uncomfortable relationship with existing techniques. The obvious reason is that the existing techniques are created on the basis of existing technologies. AJAX and SEO share a similar relationship.

Asynchronous JavaScript and XML (AJAX) brings together various technologies to create a technique that make web pages more like web applications. The key benefit of AJAX is that the page has a greater sense of interactivity, and the user requests are rendered in smaller portions. In other words, AJAX enables the creation of a scenario that is both data-centric and user-centric. Developers were skeptical towards the use of AJAX, but with the introduction of the Google Web Toolkit (GWT) this changed drastically. GWT made AJAX easier for developers to create applications in, and needless to the say the end user stands to benefit the most from this.

Search engine optimization (SEO) is a technique used to enhance the visibility of a website vis–vis search engines. Using various SEO techniques, websites enhance their visibility so that they would be ranked high on the Search Engine Results Pages (SERP). SEO has become a part of the development lifecycle of websites. Companies, big and small, are becoming increasingly aware about the importance that SEO has, and what it can do for their business.

There was widespread apprehension about AJAX, and its invisibility to search engines. Words like search engine unfriendly were being used to describe AJAX. What was happening with AJAX was reminiscent of the fate that Flash had faced before this. JavaScript, which is what AJAX applications use, is not visible to search engine spiders. In other words, when a search engine spider is crawling a website that is created using AJAX, most of the content would not be visible. The reason for this is that since smaller portions of content are rendered with AJAX, there are no unique URLs that a search engine can direct searchers too. In other words, the whole purpose of enhancing interactivity would fail.

This can be better explained with this example. If you a product catalog with x number of products on it, you would obviously want that the search engine has a distinct page for every one of the products on the list. When you create this catalog using AJAX, all the information is there on the same page for the user to click and explore. But from the point of view of the search engine crawler, there is one page and therefore it does not direct any traffic to the individual products on your page. One way to circumvent this problem is to create a parallel site targeted for search engine spiders, and other browsers that do not support JavaScript. This is one available option that many websites have already successfully employed to make the two ends meet. And there are in fact, many success stories of websites that have used AJAX, and found ways in which to ensure that the content is visible to search engine spiders.

In other words, the solution lies in being aware of the problems that SEO for an AJAX application would pose, and to counter the same during the construction stage. For instance, in the first load of your AJAX application you must include optimized elements like TITLE and headers. Also ensure that your rewrite your url in the form of a fixed address which the search engines must be able to index and therefore rank Yet another way out is to create as many internal links as possible. Keyword specific inbound links that point towards a specific section, not just the homepage of the website, would also be beneficial.

AJAX saves time that is otherwise spent on refreshing or reloading a page. SEO makes sure that all the hard work that is put in by writers, designers, and developers pays off and the target audience is able to reach the website their desired destination. The importance of both AJAX and SEO cannot be undermined. And their significance is such that no website owner would want to compromise to make use of one and forgo the other. The co-existence of AJAX and SEO does not seem like a distant dream at the moment. If new technology creates roadblocks for existing techniques, it also often makes way for newer techniques to flourish.

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A dynamic website is a website that allows visitors to interact with the site, posting a message, for example.We will look at the dynamic web development with PHP, which is very famous and widely used.PHP has the advantage of being entirely free, you...

Generous Donor Refused

Picture this. You are a fund development director for a respectable school at a well-known state university. Someone calls and says they wish to donate $25,000 for a special scholarship fund in honor of her deceased brother, an alumnus of the school. What would you say? If you think like we do, youd say, So sorry about your brother. Thank you for selecting us. When can we get your check!

In this case, the fund development director responded, Sorry, we have a minimum
donation of $50,000. The prospective donor then said, In addition, I have a huge
bequest in my will for your school. That would put you well over your minimum.
Surely that would satisfy your requirements. The development director stuck to her
understanding of the rules and let the donor and her moneygo.

Instead of reporting the regrettable situation to the dean of the school (the fund
development directors boss), the donor changed her will and has designated all of
her money elsewhere. What are the chances that the dean the boss - will ever
hear about the sizable scholarship and donation that didnt make it into their bank
account?

Actionable Improvements
We often find blind spots within our clients organizations in the areas of incoming
lead capture. For one of our clients, we recommended the establishment of a
checks and balances system for analyzing all leads that come via their front desk
and via their web site. The analysis of the leads or inquiries is not just left with one
person. Anyone who answers the phone is expected to log all calls that come in (a
system can be designed to make that really painless). Several people are charged
with reviewing all inquiries that come to the website. This may seem redundant, yet
each person interprets a lead differently. As a result, many different creative
responses to leads have brought in business that may have been ignored or
rejected. Your goal should be to prevent prospects from slipping through the
cracks.

Every executive should have ongoing discussions with those they supervise to make
sure they have a healthy understanding about what it takes to be creative when
prospects call. It may also include occasional mystery shopping from an outside
resource.

If you are one of the People at the Top, how confident are you that no qualified
business is being turned away?

Darcie Davis, President of Davis, Kingsley & Company. Darcie is a management consultant, speaker, author and trainer. She works with companies to secure genuine feedback from their clients before advising them on strategic decisions about sales, marketing, and operations. Her advice will keep your clients out of the jaws of the competition. Learn more about Darcie and the services offered at her firm at: http://www.DavisKingsley.com

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If you are thin skinned and get insulted easily, this is not the right place for you. The chances are this is one of the reasons you haven’t been able to protect and grow your assets to begin with.

The purpose of this article is to help you learn what you are doing wrong so that you can start doing things right and learn how to protect your assets. The key is to acquire the knowledge and expert guidance you need to protect and preserve your wealth.

If not you, if not now, who do you expect to protect your assets while you are not doing the job you are supposed to?

Here’s the list of 10 reasons you have failed to protect your assets and what you can do about it.

1. The Proper Attitude - Are you one of those poor workaholics that think all you have to do is work 90 hours a week and you will become wealthy? It doesn’t matter how hard you work, if you are not protecting the wealth you have accumulated, you won’t have it for very long. Start paying attention to what you are doing with your assets. Start caring.

2. Your Accountant handles that - Exactly what do you expect your accountant to do if you are not telling him what you want done? He is not a mind reader. If he is such a brilliant financial advisor why is he working as an accountant? Let him know what your goals and objectives are concerning your wealth preservation.

3. Your Lawyer worries about protecting your wealth - A lawyer is supposed to get you out of trouble or keep you from getting you into trouble. What makes you think he is going to know how to protect your assets? You made the money; you have to tell him what to do to protect it.

4. You are not good at handling money - It’s time you added handling money to your skill sets. You are going to be doing it for the rest of your life. You were smart enough to make the money so you must be smart enough to learn what to do with it.

5. You’re lazy - Who isn’t lazy? You want to learn how to protect your assets so you can relax and take it easy. What do you want to do, work hard all your life?

6. The government and your wife take everything -You are not alone. Smart people with smart financial consultants can show you how saving on taxes can sometimes make you more money than growing your assets. What you do about your wife is your business.

7. You don’t have the time - You don’t have the time to live carefree? You don’t have the time to preserve, that which is rightfully yours for you and your family? You don’t have the time to be secure? What do you have the time for - failure? Make the time.

8. You’re not interested in money - Then why are you working so hard to acquire it? If you want it just to give away you should at least do it on your own terms. Have you taken the time to think out what you do want and what you are interested in? Does it cost any money to pursue your interests? Start caring.

9. All you like to do is work -Don’t you like to have fun and be happy? If working is fun to you then by all means continue to do it, but have you ever thought about all the fun you could have if you had enough assets to travel the world and not have to work?

10. You have inherited wealth from trust funds - And hopefully your children will too. Are you doing everything you possibly can to see to it that their inheritance is properly protected? Are you sure you are protecting your heirs as well as your parents protected you? Start planning for your future and your family’s.

Take the time to make a better life for you and your family. Take the time to secure your assets and your future. Take the time to be a winner. Failing to protect your wealth is not an option. There is never a good reason to do nothing and just hope for the best. It is time to adopt a positive attitude and start protecting your wealth with every ounce of smarts you and your advisors have.

It’s time to charge into the future with your best wealth preservation moves. It’s time to become a wealth protection hero. It’s time to discover the little wealth preservation secrets that can help you secure your assets.
*****

To learn how to successfully protect and preserve your assets please access http://wealthprotectionny.blogspot.com

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If writing is an art, then, blogging is one way of using words to come up with an art. This is because people who are into blogging are the ones who are artistic on their own sense, carefully choosing words that would best describe their feelings, sentiments, wishes, desires, and everything.Basically, blogs were first introduced as weblogs that refer to a servers log file. It was created when web logging hit the virtual market. Since its inception in the mid-1990s, web logging gradually saturated the virtual community making the Internet a viable source of greater information.

However, with web logging, you still need a web site and domain names, but with blogging, you do not need anything just an account with blog providers. In most cases, these kinds of blogs are free of charge.

With the onset of blogging in the industry, personal journaling had been a common ground for people who wish to be known all over the world. However, not literally famous as this is not a case on being popular or well-known personality.

Generally, blogs are created for personal use. Like a journal, people can write their daily adventures, sentiments, and whatever ideas they want to express online.

Nevertheless, with the advent of the online businesses, blogs had gradually taken the limelight in providing businesses a chance to boost their productivity online. This is where the business blogs have taken the limelight.

Business blogs are, basically, created to advertise the services or products of a certain web site or online business in order to increase online sales.

Moreover, business blogs are also one way of promoting the company so that the other readers will know that a certain company exists online. With blogs, entrepreneurs are able to establish a name in the virtual market through articles that can be very useful in the readers life.

From there, you can make money out of blogs by simply syndicating it to your business web site. This can be done through the RSS technology.

So, if you are thinking to create a blog, whether for business or for pleasure, you need to know some tips that could help you get through and make your blog one of the interesting blogs online.

Heres how:

1. Consider your audience

Even if your blog is generally personal, still, it would be better to consider the minds of your readers. You have to think of something that would interest them.

After all, most of the reasons of people who write blogs are not at all confined to their own personal motives. Most of them would love to be heard (or read) and would love to be known, in some way or another, even for just a minute. Hence, it is very important to come with a write up that everybody can understand, not necessarily that these people can relate to it but they can understand it.

Sullenest

Sullenest writes about Traffic and SEO, Make Money Blogging, Self Development and Affiliate Marketing in Sullenest.com

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For instance they would tell us to ask if the customer would like a Hot Apple Pie or Sunday with that. And you know what to my amazement people would actually say Yes, almost 50% of the time?

Wow, that is incredible indeed. I remember as a young man stopping at Carls Jr Hamburger after track practice on the way home or to the library to study and they would always ask me if I wanted a carrot or cheese cake with my custom made to order hamburger, I thought that was really stupid, why on Earth would I want a carrot or cheese cake? But sometimes that would prompt me to order a big chocolate chip cookie?

So it worked and while sitting in the dining room I would actually see other people eating guess what? Carrot and Cheese Cake! So, let this be a lesson to you and always manage the sales counter as if they were part of your sales force too, because they are.

“Lance Winslow” - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; http://www.WorldThinkTank.net/. Lance is a guest writer for Our Spokane Magazine in Spokane, Washington

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