To be eligible intended for Phase 7 Bankruptcy | Find the Best …

February 23rd, 2012 § 0 comments § permalink

You can apply for Page 7 bankruptcy until: 1) you create extra money compared to the mean income where you live which enables it to pay back within Page 13 bankruptcy plan; or 2) you?ve before got bankruptcy discharge/case retrenchment; or 3) you?ve never participated in obligatory cccs; or 4) engaged in fake things to do.

Are able to afford so that you can gradually pay back ones debt within Page 13 bankruptcy plan

You would like a pair of results to find out eligibility to get Page 7 bankruptcy: 1) ones ?average per month income? in the few months prior to apply for bankruptcy; and also 2) ?median family members income? in the point out anyone data file (discover dining room table beneath). In case your salary is below the mean family members income, ones registering are not presumed careless. In order to compute ones ?average per month income,Inches you will have to tally up most of the income anyone got in the few months prior to declaring bankruptcy under Page 7 bankruptcy and also partition the idea by means of half a dozen.

Normal per month income

In order to compute this particular number to get Page 7 bankruptcy applications, it?s important to add some adhering to forms of income:

- wages, tips, and also commissions;

-gross income via business, occupation, or village;

- curiosity, payouts, and also royalties;

- retirement benefits and also retirement plan income;

- leases and various income via real property;

- employees? compensation;

- incapacity insurance policies;

- jobless compensation;

- youngster or spousal service;

- premium bills;

- windfalls (such as, sweepstakes success)

You don?t need to feature the next forms of income for your Page 7 bankruptcy ?average per month income? computation:

- Cultural Protection retirement plan positive aspects;

- Cultural Protection Insurance coverage;

- Cultural Protection Incapacity Insurance coverage;

- Supplemental Protection Income;

- Non permanent Assist to get Desperate Young families;

- tax concessions;

- bills to you personally for a sorry victim regarding terrorism, domestic or foreign.

When you have assessed ones regular per month income, you must compare and contrast the idea towards ?median family members income? for ones point out. In case your regular salary is significantly beyond the particular appropriate number from the dining room table beneath, you could have to produce to get Page 13 bankruptcy rather then Page 7 bankruptcy. To view eligibility to get Page 13, you will have to do some data referred to as ?means examine.Inches

Average family members income to get bankruptcy data

Your mean family members income results change around two times per annum. The last more than once why these results have been updated, the particular mean income decreased throughout Colorado plus some additional says. There are no definitive the courtroom recommendations to find out all your family members measurements but a majority of legal courts embrace the particular demographics technique, to which contain most of the folks that take up ones house/apt., whether they matched to anyone you aren?t, or whether they will be the household to get taxation applications. Roommates, on the other hand, are not persons in all your family members, if you don?t represent a single economic device by means of commingling resources and also spreading expenses. Little ones managing anyone part-time in some pot custody of the children arrangement certainly are a more difficult issue which is to be decided using a case-by-case groundwork.

Adjusted March 1, Next year, mean total annual family members income for a 1 earner throughout Colorado is actually $47,683, to get 2 earner family members it truly is $61,539, for a 3 earner family members it truly is $66,050. Remember that the particular results above characterize total annual profits, while you must compute your revenue during the last few months.

You have before got bankruptcy being let go or situation retrenchment

You simply can?t erase ones debt throughout Page 7 bankruptcy if: 1) anyone got a bankruptcy being let go inside a earlier Page 7 situation recorded in the last 8-10 years, or 2) anyone got a bankruptcy being let go within Page 13 inside a situation recorded inside the earlier half a dozen years. Your six-year procedure doesn?t employ options settled at the least 70% of one?s unprotected bills within Page 13 bankruptcy being let go.

You simply can?t be handed a Page 7 bankruptcy being let go should your earlier Page 7 or Page 13 bankruptcy situation had been sacked in the last One hundred eighty days for example in the adhering to factors: 1) anyone broke a order from the court; or 2) required the particular retrenchment from a creditor asked to lift the automatic keep.

You have never participated in obligatory cccs

Necessary cccs is an easy necessity to meet, consequently do not allow this particular tiny impediment slow you down.

Scams

If the bankruptcy trustee purchases evidence that you just gave at a distance your property so that you can relatives, good friends or favorite debt collectors right just before registering, purchased high end, or engaged in related distrustful hobby, you could be ineligible to claim bankruptcy. Voluntary jobless, within explain how you still have until that you are and also wherever your hard earned cash proceeded to go can even bring up warning flags.

Source: http://www.thebestsavingsaccount.com/financialadvisor/finance-banking/to-be-eligible-intended-for-phase-7-bankruptcy/

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Making Provisions For Man's Best Friend | Frank & Kraft, Attorneys at …

February 23rd, 2012 § 0 comments § permalink

Author: Marvin J. Frank, Estate Planning Attorney ?/? Category: Pet Planning, Wills and Trusts /? Posted: 22 Feb 2012

If you are like a lot of Americans, you may have a loyal four-legged friend by your side, and indeed dogs are fantastic companions.? In the eyes of your dog you are the most important person in the world and there is no denying that it is a good feeling to be held in such high esteem, even if it is coming from a canine point of view.

All kidding aside, pets are obviously valuable to people of all ages but owning a dog can be especially good for senior citizens. ?It is not uncommon for elders to experience loneliness late in their lives, and the companionship that a dog can provide can really go a long way toward filling that gap.

In addition, dogs can provide protection.? Of course there are some breeds that are capable guard dogs, but even small dogs have keen senses and they can let you know if they hear something outside that doesn?t sound quite right.

If you do have a dog late in your life you are going to have to take the animal into consideration when you are planning your estate.? Finding a caretaker is going to be the first step, and once you identify someone to care for your dog you are going to have to provide this individual with the financial resources necessary to do so.

One option that is available to you would be the creation of a pet trust. If you would like to find out how to set up a trust for the benefit of your dog don?t hesitate to get in touch with an experienced Indianapolis estate planning lawyer to set up an informative consultation.

Frank & Kraft, Attorneys at Law is a member of the American Academy of Estate Planning Attorneys.

Tags: Estate Planning, Inheritance Planning, trusts


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Source: http://www.frankkraft.com/blog/wills-and-trusts/making-provisions-mans-friend/

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Chris Brown and CM Punk: Twitter Feud Alert!

February 22nd, 2012 § 0 comments § permalink


If you thought Tweeting birthday wishes to Rihanna was the most talked-about thing Chris Brown would do all day on social media, you thought wrong!

WWE heavyweight champion CM Punk and the hot-tempered R&B singer have been going at it on Twitter. It’s safe to say you could call punk a “hater.”

Punk randomly tweeted that he wants to “curb stomp” Brown at an upcoming WWE event, so Brown can “fight somebody that can defend themselves.”

Brown caught wind of the tweet … and decided to fire back.

Christopher Maurice BrownCM Punk Photo

He wrote: “@CMpunk needs more followers. Such a leader! Not to mention the roids hes on has made it utterly impossible for him pleasure a women.”

Zing.

In his typical, sarcastic tone, Chris went on to add, “@CMpunk contact my assistant and I’ll have em send u an autographed pic for my biggest FAN!!!”

Seriously, Chris, put the phone down you moron. Why do you think the “haters” won’t let you move on? You’re just making it worse on yourself. CHILL.

Chris’ tweet about Punk’s junk not working has obviously been removed. Something tells us Brown’s mom is going to be far from pleased about this.

CM Punk, who has said that he’s never taken drugs, has not responded to the steroid allegations or the implication that he can’t please “a women.”

Also no word on whether Chris accepts this fight invite:

Brown Punk Ass Tweet

[Photos: WENN.com]

Source: http://www.thehollywoodgossip.com/2012/02/chris-brown-and-cm-punk-twitter-feud-alert/

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Birds sing louder amidst the noise and structures of the urban jungle

February 22nd, 2012 § 0 comments § permalink

[ Back to EurekAlert! ] Public release date: 22-Feb-2012
[ | E-mail | Share Share ]

Contact: Torben Dabelsteen
tdabelsteen@bio.ku.dk
(45) 48-26-34-26
University of Copenhagen

Sparrows, blackbirds and the great tit are all birds known to sing at a higher pitch (frequency) in urban environments. It was previously believed that these birds sang at higher frequencies in order to escape the lower frequencies noises of the urban environment. Now, researchers at the University of Copenhagen and the University of Aberystwyth have discovered that besides noise, the physical structure of cities also plays a role in altering the birds’ songs.

Urban birds sing differently and at a higher frequency than woodland birds in an effort to penetrate the wall of constant noise produced by traffic, machines and human activity. However, architecture also has a profound affect on their songs. The study findings have recently been published in the esteemed scientific journal PLoS One.

A new explanation

“Urban architecture is a crucial determinant of how urban birds sing”. Noise amidst the urban landscape is typically composed of lower frequencies. Thus, one might jump to the conclusion that it would be smart for birds to distinguish their song by singing louder in order to drown out the competing noise. However, the recent study demonstrates that the noise explanation is incomplete, according to Professor Torben Dabelsteen of the Section for Ecology and Evolution at the University of Copenhagen’s Department of Biology, one of the authors of the study.

The city’s role in the song

Some researchers have never really bought into the idea that urban noise alone caused birds in the city to sing at higher frequencies. Either directly, because birds tried to sing at a higher tone and away from noise or indirectly, by the birds singing louder to drown out anthropogenic noise.

“Now, with the help of controlled sound recordings, we have shown that the higher frequencies in urban birds’ songs are also transmitted across cities when there isn’t any noise from traffic. This shows that the physical structure of cities must play a considerable role in the heightened frequencies,” explains Torben Dabelsteen.

Structures and variations in the cityscape – houses, streets, open spaces and alleys – all serve to reflect and distort noise in differing ways, things that birds must take into account. Birds in the urban environment can easily spot one another, but must do what they can to reduce echoes from buildings and narrow streets in order to penetrate and communicate effectively.

High-pitched urban birds

Birds living beyond the urban landscape need not tweet away with full force. While the woodland’s trees and abundant foliage also distort sound through reflection, they also serve to obstruct clear lines of sight. Therefore, rural birds may utilize these distortions to help judge distances and locate one another.

“City-dwellers can look forward to the lively song of birds in the coming spring, and even though a side effect of the urban birds’ more powerful song is that they sing at a higher pitch, this is something that we are not typically able to hear,” explains Dabelsteen.

###

Contact:
Torben Dabelsteen
Tel: +45 35 32 13 05
Mobile: +45 48 26 34 26


[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


[ Back to EurekAlert! ] Public release date: 22-Feb-2012
[ | E-mail | Share Share ]

Contact: Torben Dabelsteen
tdabelsteen@bio.ku.dk
(45) 48-26-34-26
University of Copenhagen

Sparrows, blackbirds and the great tit are all birds known to sing at a higher pitch (frequency) in urban environments. It was previously believed that these birds sang at higher frequencies in order to escape the lower frequencies noises of the urban environment. Now, researchers at the University of Copenhagen and the University of Aberystwyth have discovered that besides noise, the physical structure of cities also plays a role in altering the birds’ songs.

Urban birds sing differently and at a higher frequency than woodland birds in an effort to penetrate the wall of constant noise produced by traffic, machines and human activity. However, architecture also has a profound affect on their songs. The study findings have recently been published in the esteemed scientific journal PLoS One.

A new explanation

“Urban architecture is a crucial determinant of how urban birds sing”. Noise amidst the urban landscape is typically composed of lower frequencies. Thus, one might jump to the conclusion that it would be smart for birds to distinguish their song by singing louder in order to drown out the competing noise. However, the recent study demonstrates that the noise explanation is incomplete, according to Professor Torben Dabelsteen of the Section for Ecology and Evolution at the University of Copenhagen’s Department of Biology, one of the authors of the study.

The city’s role in the song

Some researchers have never really bought into the idea that urban noise alone caused birds in the city to sing at higher frequencies. Either directly, because birds tried to sing at a higher tone and away from noise or indirectly, by the birds singing louder to drown out anthropogenic noise.

“Now, with the help of controlled sound recordings, we have shown that the higher frequencies in urban birds’ songs are also transmitted across cities when there isn’t any noise from traffic. This shows that the physical structure of cities must play a considerable role in the heightened frequencies,” explains Torben Dabelsteen.

Structures and variations in the cityscape – houses, streets, open spaces and alleys – all serve to reflect and distort noise in differing ways, things that birds must take into account. Birds in the urban environment can easily spot one another, but must do what they can to reduce echoes from buildings and narrow streets in order to penetrate and communicate effectively.

High-pitched urban birds

Birds living beyond the urban landscape need not tweet away with full force. While the woodland’s trees and abundant foliage also distort sound through reflection, they also serve to obstruct clear lines of sight. Therefore, rural birds may utilize these distortions to help judge distances and locate one another.

“City-dwellers can look forward to the lively song of birds in the coming spring, and even though a side effect of the urban birds’ more powerful song is that they sing at a higher pitch, this is something that we are not typically able to hear,” explains Dabelsteen.

###

Contact:
Torben Dabelsteen
Tel: +45 35 32 13 05
Mobile: +45 48 26 34 26


[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


Source: http://www.eurekalert.org/pub_releases/2012-02/uoc-bsl022212.php

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Afghans protest over reported Koran desecration at U.S. base (Reuters)

February 22nd, 2012 § 0 comments § permalink

[unable to retrieve full-text content]Reuters – About 2,000 Afghans protested outside the main U.S. military base in Afghanistan on Tuesday over a report that foreign soldiers improperly disposed of copies of the Koran.

Source: http://us.rd.yahoo.com/dailynews/rss/asia/*http%3A//news.yahoo.com/s/nm/20120221/wl_nm/us_afghanistan_korans

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Mac app store is downloaded for more than 100 million times

February 22nd, 2012 § 0 comments § permalink

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On December 12, 2011, Phil Schiller (Apple Inc.?s senior vice-president of global market) proudly declared: ?We use iTunes application store to change the way by which people gain phone applications within only three years. Now Mac application store is changing traditional computer software industry. In one year, it is downloaded for more than 100 million times.? Mac application store has become the biggest computer application store which develops at the fastest speed. Why this data is so important that Apple Inc. made announcement in such a high-profile way? I think Apple Inc.?s behavior is to lead the evolution in software industry.??????

?

In January this year, Apple Inc. officially released Mac application store. With the success of iTunes application store, Apple Inc. tries to thoroughly change the way by which people gain software on Mac computer through Mac application store. In the past, people always gain software through ways including searching, downloading, detecting and installing. However, this doesn?t mean the software is useable, because you may usually encounter situations such as software is incompatible and the software needs to be updated. The software gained from Mac application store is different ? as long as you click for several times, the needed software silently stays in your computer and wait you to use it.??????

?

Although the amount of downloads proves this revolution of Apple is very successful, Mac application store is not faultless. Certainly, I don?t mean Mac application store is not good, on the contrary, for me, the software developer, Mac application is very attractive.

1. It doesn?t charge me for providing downloads service.?

2. Decrease the promotion expenses, and Mac application store can recommend software to Mac users to largest extent.??

3. Mac application store is very convenient for users to update software, keeping our software in the strongest competitiveness.?

?

However, while Mac application store provides lots of benefits to software developer, it also leaves potential data security risk. Because when Mac application store includes software, it can?t know about the performance of each piece of software, so lots of inferior software or software with virus hides in Mac application store. Although Apple Inc. had announced it would require all applications submitted to Mac application store must use ?Sandbox? technology, this technology can?t absolutely ensure all software in Mac application store has no virus. Therefore, I suggest you to avoid download software developed by unknown developers, thus you can avoid some Mac data loss.?????

?

If you have to download such kind of software, you?d better download and install anti-virus software and data recovery software to ensure computer data security. It is not easy to search for these two kinds of software. The anti-virus software is relatively easy to gain, because Norton and Kaspersky all launch professional Mac anti-virus software, but it is not so easy to find Mac data recovery software. Because the common data recovery software on the market is designed for PC computer, the data recovery software for Mac computer is little, and most of them have function faults. Once we use the data recovery software with function fault, we not only can?t recover data, but also may cause secondary damage to lost data. Facing this situation, in order to avoid choosing inferior data recovery software, I recommend MiniTool Mac Data Recovery which is developed by famous software development company MiniTool Solution Ltd.. This software not only has very powerful data recovery ability, I believe it can help you recover lost Mac data which is due to non-physical faults.?

Source: http://www.znespirit.com/computers-and-technology/mac-app-store-is-downloaded-for-more-than-100-million-times/

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Obama to raise cash, pitch economic agenda in Fla. (AP)

February 22nd, 2012 § 0 comments § permalink

[unable to retrieve full-text content]AP – President Barack Obama plans to raise money in Florida this week, including a $30,000 a person event at the Windermere, Fla., home of Dallas Mavericks guard Vince Carter. He also will promote his economic agenda in a speech at the University of Miami.

Source: http://us.rd.yahoo.com/dailynews/rss/business/*http%3A//news.yahoo.com/s/ap/20120220/ap_on_re_us/us_obama_florida

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Company sues Apple over iPad name in Shanghai (AP)

February 22nd, 2012 § 0 comments § permalink

[unable to retrieve full-text content]

A security guard tries to stop photographing the lawyers walking in a court house Wednesday Feb. 22, 2012 in Shanghai, China. The lawyer for a Chinese company suing Apple Inc. in China over its use of the iPad trademark indicated Tuesday that his client would be willing to discuss a settlement. (AP Photo/Eugene Hoshiko)AP – Apple defended its right to use the iPad trademark in China in a heated court hearing Wednesday that pitted the electronics giant against a struggling company that denies it sold the mainland China rights to the tablet’s name.


Source: http://us.rd.yahoo.com/dailynews/rss/applecomputer/*http%3A//news.yahoo.com/s/ap/20120222/ap_on_hi_te/as_china_ipad_dispute

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gE Blog Series: Global Real Estate Part 1 – International Housing …

February 22nd, 2012 § 0 comments § permalink

Across the world, there are a wide variety of resources needed to successfully operate a business. Many people may be quick to name equipment, technology, wealth, and labor as key resources. However, a resource that is often overlooked is land. Land along with buildings located on the property make up real estate. The global real estate market holds great importance for businesses and people around the world involved in the buying and selling of property. This week the globalEDGE blog team will explore several aspects of the global real estate market including private real estate and green construction. This post will take a look inside the international housing market and the market characteristics of several different countries.

Overall, the world?s housing market continues to struggle with prices falling in many countries including Australia, Israel, Ireland, and the United States. With property prices in China falling, there is also speculation that this market decline could cause some long term problems for the economy. A study prepared by the Global Property Guide showed that housing prices fell in 25 out of 44 major countries. However, some countries experienced growth in their housing markets this past year. Two of these countries, Brazil and India, are considered major emerging economies and their housing markets have grown right alongside their economy. Housing prices in Brazil were up nearly 6 percent in 2011 quite possibly because Brazil is the next host country for the 2014 FIFA World Cup and the 2016 Summer Olympics. In India, there were strong price increases for housing in almost all major cities.

While Europe has had mixed results in the housing market, one particular country has been able to achieve consistent price growth. The real estate market in Germany was relatively unaffected by the global financial crisis, mainly because the banks followed a conservative lending approach and did not create a housing bubble. Home prices in Germany have increased about 5 percent annually since 2008 but now some areas in Germany have seen increases as much as 15 percent. Germany?s housing market has attracted foreign investments from many countries abroad including the United Kingdom, Japan, and several Middle Eastern countries.

As part of the Global Real Estate Blog Series, we will also take a look at the green construction trend in the global market and different aspects of commercial real estate around the world. Additionally, the February Newsletter features global real estate and the impacts of rising farmland prices on countries around the world. We encourage you to check out February?s newsletter and the rest of the blog series, hope you enjoy!

Source: http://globaledge.msu.edu/Blog/Post/1234/gE-Blog-Series–Global-Real-Estate-Part-1—International-Housing-Market

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Johannesburg no longer a no-go for tourists, investors

February 22nd, 2012 § 0 comments § permalink

Johannesburg has a reputation for high crime, but efforts to rejuvenate the South African city are having an impact.

Johannesburg, South Africa

In recent decades, downtown Johan?nesburg achieved near-mythical status as being one of the most dangerous places in the world. Its spiraling crime rate and rapid urban decay drove white business and residents out. Foreign visitors were warned to stay away for fear of their lives, and investment in the city ground to a near halt.

Skip to next paragraph

But in the last few years a remarkable turnaround has gathered momentum. A number of city blocks have been reclaimed, where middle-class people of all races sip coffee and type on laptops at sidewalk cafes.

Buildings that only a few years ago were derelict shells partitioned into slum quarters where people lived without water, sewer systems, or electricity are now gleaming office buildings with marble floors and brand-new elevators. A growing number of quality, affordable residential apartment buildings have been built or are being renovated.

Private security guards are visible on many street corners and the authorities have mounted high-tech security cameras that cover the entire downtown area.

“The city is much safer than it used to be,” says Edna Mamonyane, spokeswoman for the Johannesburg Metro Police Department. “We are very happy at the way things are turning.”

Private-public partners kept the faith

Statistics from Johannesburg Central Police station show murder and attempted murder down by more than 60 percent since 2003. Theft and carjacking have dropped similarly. In the rejuvenated areas there is very little crime.

“The success of the inner-city rejuvenation was spawned by a group of private- and public-sector leaders who sustained their activities and faith during the lean times,” says Gaynor Mashamaite-Noyce, deputy director of communications for the City of Johannesburg.

One of the earliest investors was Gerald Olitzki. “I’ve been called crazy more times than you can imagine,” he says. “But this city never died. At least 1 million people came through here every day, even though it was increasingly decaying.”

In 1994, when the African National Congress party came to power, after decades of racist apartheid government, Mr. Olitzki approached them for a mandate to revive the inner city, which was already suffering badly. His plan was to renovate the area around a central bus terminal. He renamed it “Gandhi Square.” It took him seven years to establish, but by 2000 it finally happened.

He leans over a map of Johannesburg. “We are creating a central spine,” he says, his finger tracing a route down Main Street and Fox Street, which runs through the heart of the city. “Each phase takes less and less time to achieve. We have a private lease for 45 years, and it is our obligation to clean and secure it.”

There are still a number of shockingly derelict buildings dotting the urban landscape. Some of them have been invaded by criminal gangs, who take over a building and extort rent from the tenants. “All of these are pieces of the jigsaw puzzle. They’re starting to come together,” Olitzki says. When the city declined it was like a disease spreading, he says. “Its revival is that process in reverse.”

There are still many no-go areas in Johan?nesburg, but the same process is happening now all across the inner city. Art galleries, a couple of boutique hotels, restaurants, and cutting-edge fashion stores are opening monthly.

Latest success in old industrial quarter

The latest and trendiest example of urban renewal is happening in the old industrial quarter of Jeppestown. Known as the Maboneng Precinct, it combines affordable apartments, office space, retail space, art galleries, theaters, a boutique hotel, and a cinema to create a community-based living area with more than 90 percent occupancy. It is a popular place for tourists and suburbanites to visit over the weekend.

The young developer of Maboneng, Jonathan Liebmann, sums up the optimism of the new Johannesburg:

“The city is back,” Mr. Liebmann says. “It’s not the old city of the 1960s and the 1970s. It’s a new African city with multilayered experiences.”

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/iS9TgbqVLUA/Johannesburg-no-longer-a-no-go-for-tourists-investors

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