report_id stringlengths 1 60 | paragraph_nr int64 0 28.3k | text stringlengths 21 14.6k | n_words int64 11 2.31k | filing_type stringclasses 2
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INGGroepNV-AR_2018 | 902 | Rights and the Organisation for Economic Cooperation and Development (OECD) Guidelines for | 12 | annual_report |
nl_ing_grp-AR_2014 | 476 | The increase reflects higher interest results, strict expense control and lower risk costs, despite negative CVA/DVA impacts and redundancy provisions in 2014. | 22 | annual_report |
PhoenixGroupHoldingsPLC-AR_2012 | 521 | The Group has ongoing obligations to meet payments to creditors which are funded by the release of capital and profits from its business units. The emerging cash flows of the Group may be impacted during periods of extreme market turbulence by the need to maintain appropriate levels of regulatory capital. The impact of... | 72 | annual_report |
5710 | 1,124 | Underwriting income, adjusted operating income and adjusted operating return on equity are non-GAAP financial measures. See “- Reconciliation of Non-GAAP Financial Measures” for reconciliations of net income in accordance with GAAP to underwriting income and adjusted operating income. | 37 | 10K |
PhoenixGroupHoldingsPLC-AR_2013 | 602 | LIQUIDITY MANAGEMENT Details of the Group’s objectives and policies for the management of liquidity risk are included within the Risk management section and note 39 of the IFRS consolidated financial statements. | 31 | annual_report |
NatixisSA-AR_2005 | 2,167 | If the combined instrument (host contract and derivative) is not measured at fair value through profit or loss, the embedded derivative is separated from the host contract if it meets the definition of a derivative and its financial characteristics and associated risks are not closely related to those of the host contr... | 52 | annual_report |
2767 | 1,229 | The activity summary in the liability for unpaid accident and health claims shows a decrease of $22.0 million, $28.8 million and $67.5 million for the years ended December 31, 2005, 2004 and 2003, respectively, relating to prior years. Such liability adjustments, which affected current operations during 2005, 2004 and ... | 161 | 10K |
fr_axa-AR_2001 | 1,552 | • Life (17% of total gross written premiums): premiums grew 8% in a very mature market ; this performance benefited from a significant single premium contract in individual life. | 29 | annual_report |
RaiffeisenBankInternationalAG-AR_2018 | 2,621 | Financial assets and liabilities - designated fair value through profit/loss 23,916 | 11 | annual_report |
15 | 434 | In November, 1993, an attorney (purporting to represent the funeral director class) filed a petition in the District Court seeking "alternative relief" under the final judgement. The relief sought is unclear, but includes a request that the District Court rule that the final judgement no longer has prospective applicat... | 82 | 10K |
gb_lloyds_banking_grp-AR_2011 | 2,579 | net trading assets relate to exposures within the credit trading market-making business. there has been a large reduction in trading assets in the year in line with the overall group balance sheet. | 32 | annual_report |
4679 | 713 | As we reflect on 2012, we were confronted with macro-economic factors that have challenged the growth of our business over the past few years. A persistent low interest rate environment has driven pricing changes in a very price sensitive group insurance marketplace. In addition, high levels of unemployment and its imp... | 132 | 10K |
3969 | 780 | The method used to account for workforce reduction costs depends on whether the costs result from an ongoing severance plan or are one-time costs. We account for relevant expenses as severance costs when we have an established severance policy, statutory requirements dictate the severance amounts, or we have an establi... | 57 | 10K |
3648 | 1,516 | The Auto & Home segment’s income from continuing operations increased primarily due to an increase in premiums and other revenues, an increase in net investment income, an increase in net investment gains and a decrease in other expenses. These were partially offset by losses related to higher claim frequencies, higher... | 102 | 10K |
672 | 439 | generally in proportion to the present value of expected gross profits from surrender charges, investment, mortality and expense margins. This amortization is adjusted when estimates of current or future gross profits to be realized from a group of products are reevaluated. Deferred acquisition costs are written off wh... | 53 | 10K |
RSAInsuranceGroupPLC-AR_2017 | 1,500 | 4. The face value of the award is calculated as the maximum number of shares that would vest if all performance measures and targets are met at maximum, multiplied by the mid-market closing price of an RSA ordinary share averaged over the five business days preceding the date of grant (3 March 2017), of £5.972. | 55 | annual_report |
gb_lloyds_banking_grp-AR_2001 | 715 | Pension benefits earned 31 December (excluding 31 December by the directors: 2001 inflation) 2001 aaaaaaasfff aaaaaaasfff aaaaaaasfff | 17 | annual_report |
2213 | 732 | The fair value of debt and equity securities was estimated using quoted market prices. Sales of debt and equity securities resulted in realized gains of $7.0 million, $2.2 million and $0.6 million; and realized losses of $3.1 million, $4.8 million and $0.6 million for the years ended December 31, 2003, 2002 and 2001, r... | 54 | 10K |
5321 | 1,943 | We enter into derivatives to manage various risks relating to our ongoing business operations. We have non-cash collateral from counterparties for derivatives, which can be sold or re-pledged subject to certain constraints, and which has not been recorded on our consolidated balance sheets. The amount of this non-cash ... | 119 | 10K |
AvivaPLC-AR_2017 | 4,478 | The other schemes are considerably less material but their risks are managed in a similar way to those in the main UK scheme. In 2015, the | 26 | annual_report |
RaiffeisenBankInternationalAG-AR_2009 | 235 | For the duration of the Managing Board contract, payments are made to pension funds on the basis of a contribution-oriented system. On the whole, the same rules apply to the Managing Board members as apply to employees. They provide that a basic contribution to a pension fund and an additional contribution be made by t... | 82 | annual_report |
2363 | 3,535 | Proposals intended to control the cost and availability of healthcare services have been debated in the U.S. Congress and state legislatures. Although we neither write health insurance in our managed care business nor assume any healthcare risk, rules affecting healthcare services can affect workers' compensation, comm... | 116 | 10K |
4881 | 619 | Vision membership increased 224, or 5.0%, primarily due to strong sales and in-group change in our Local Group business. | 19 | 10K |
3433 | 856 | Investments in entities less than 50 percent owned in which the Company has the ability to exercise significant influence are accounted for by the equity method of accounting whereby the investment is carried at cost of acquisition, plus the Company's equity in undistributed net income since acquisition, less dividends... | 138 | 10K |
1638 | 501 | At December 31, 2000, the investment portfolio consisted of 51% taxable securities and 49% tax-exempt securities. At December 31, 2000, the average yield of fixed maturity investments was 5.5%. | 29 | 10K |
5602 | 20,260 | The assets of AIG’s Japan pension plans represent approximately 59 percent and 56 percent of total non-U.S. assets at December 31, 2018 and 2017, respectively. The expected long term rate of return was 2.22 percent and 2.43 percent, for 2018 and 2017, respectively, and is evaluated by the Japanese Pension Investment Co... | 93 | 10K |
4097 | 1,150 | Actual amounts credited to policyholder account balances may be less than the index appreciation due to contractual features in the fixed index annuity policies (caps, participation rates, and asset fees) which allow us to manage the cost of the options purchased to fund the annual index credits. The change in fair val... | 137 | 10K |
StorebrandASA-AR_2011 | 415 | UNI Storebrand’s negotiations with Skandia concerning establishing a major Norwegian led company fail to reach agreement. | 16 | annual_report |
fr_axa-AR_2011 | 8,976 | Fully diluted - weighted average number of shares (d) D 2,305 2,275 | 12 | annual_report |
SwissReAG-AR_1986 | 117 | In major markets the experience in industrial business (both Property and Liability insurance) remains unsatis factory. This category of business has had inadequate rates for years, a fact which affects the reinsurer in partic ular, since it is the reinsurer who is supposed to bear the brunt of major risks, while at ... | 129 | annual_report |
316 | 574 | The Special Disability Trust Fund was created in 1955 to provide a financial incentive for employers to hire previously injured workers. If the worker was injured a second time and the employer (or insurance carrier) could prove that the two injuries were related, the Trust Fund will reinburse the insurer for claims pa... | 59 | 10K |
StorebrandASA-AR_2010 | 725 | As the Nordic region‘s largest life insurance company with long experience and a high level of competence in life and health, | 21 | annual_report |
SwissReAG-AR_1956 | 12 | We have the honour to present to you the 93"® Annual Report and Statement of Accounts of the Company for the year 1956. | 23 | annual_report |
2504 | 789 | In July 2003, we completed an initial public offering of our common stock. We sold 7,590,000 shares, generating net proceeds of approximately $119,600 after deducting approximately $3,900 in fees, costs and expenses and $9,300 in underwriters’ discount. | 37 | 10K |
de_allianz-AR_2019 | 2,737 | belong to policyholders, the corresponding expenses for premium refunds are shown as non-operating as well. | 15 | annual_report |
601 | 1,173 | The outlook for ITT Ercos in the Spanish market is for moderate growth. It is expected ITT Ercos will continue to build on the improved operational foundation established in 1996 and expense reductions achieved in 1997 to expand its presence in both life and non-life business during 1998. | 48 | 10K |
NatixisSA-AR_2009 | 4,591 | Financial liabilities at fair value through profi t and loss 78.8 33.2 17.3 9.8 9.9 13.8 | 16 | annual_report |
4780 | 1,215 | Other invested assets include equity securities, limited partnership interests, real estate joint ventures, structured loans, derivative contracts, FVO contractholder-directed unit-linked investments, Federal Home Loan Bank of Des Moines ("FHLB") common stock (included in other), and real estate held-for-investment (in... | 106 | 10K |
2309 | 303 | Total revenues in this segment decreased $56.5 million to $(13.0) million for 2003 from $43.5 million in 2002. This decrease primarily resulted from a decrease in net realized investment gains. Benefits and expenses in this segment increased $39.4 million to $47.3 million for 2003 from $7.9 million in 2002. The increas... | 89 | 10K |
StorebrandASA-AR_2015 | 1,234 | Storebrand's income and performance are dependent on external factors that are associated with uncertainty. The most important external risk factors are the developments in the financial markets and changes in life expectancy in the Norwegian and Swedish populations. Certain internal operational factors can also result... | 61 | annual_report |
5896 | 1,481 | The following table presents the range and weighted average (WA) used to develop significant unobservable inputs for the fair value measurements of Level 3 assets and liabilities. | 27 | 10K |
4911 | 922 | The increase in pre-tax income in 2014 compared to 2013 included an increase due to lower changes in certain benefit reserves, DAC, VOBA and SIA related to net realized capital gains, which was primarily comprised of loss recognition expense in the Institutional Markets and Retirement operating segments, totaling $30 m... | 111 | 10K |
860 | 183 | the following: (a) the intensity of competition from other companies in the insurance industry; (b) the Company's experience with respect to persistency and claims experience; (c) the Company's ability to distribute and administer competitive services in a timely, cost-effective manner; (d) the Company's visibility in ... | 181 | 10K |
fr_axa-AR_2009 | 3,191 | Alfred Bouckaert (b) (63) Member of the Management Board, Chief Executive Offi cer for Northern, Central and Eastern Europe | 19 | annual_report |
INGGroepNV-AR_2005 | 915 | Derivatives Under IFRS-EU, all derivatives (including embedded derivatives that are not closely related to the host contract) are reported at fair value. Under ING GAAP, non-trading derivatives were valued similarly to the item being hedged (mainly at cost); realised results were deferred and amortised over the remaini... | 48 | annual_report |
LloydsBankingGroupPLC-AR_2020 | 7,623 | One Eleven, Edmund Street, Birmingham, England, B3 2HJ ii iii & Kruger Bidco Ltd 99% Rhino House, Deans Road, Ellesmere Port, United Kingdom, CH65 4DR ii & LF (Holdco) Ltd 99% Price House, 37 Stoney Street, Nottingham NG1 1LS ii & London Topco Ltd 62.82% Uk Head Office, Gloucester Road, Cheltenham, Gloucestershire, GL5... | 78 | annual_report |
5689 | 1,075 | The Company adopted ASC 842 - Leases as of January 1, 2019, using the transition method wherein entities were allowed to initially apply the new lease standard at adoption date and recognize a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption. Accordingly, all periods pr... | 144 | 10K |
5418 | 935 | We had net operating loss carry forwards at December 31, 2017 of approximately $39.7 million and $60.0 million | 18 | 10K |
5232 | 347 | At December 31, 2016, the Company's holdings in debt securities amounted to 83.7% of total investments and 63.7% of total assets. The Company utilizes the ratings of various Nationally Recognized Statistical Rating Organizations when classifying fixed maturity investments by quality rating. | 41 | 10K |
HiscoxLtd-AR_2003 | 410 | As at 29 February 2004, Syndicate 33 had paid US$426 million of the gross loss and recovered US$279 million from reinsurers. This includes payment to Silverstein, on the basis of one occurrence, for the WTC property. The courts in the USA have not yet ruled on occurrence. Syndicate 33 has had no need to make a cash cal... | 128 | annual_report |
ASRNederlandNV-AR_2016 | 4,319 | Benchmark used Approximately 5% of a three year average of profit before tax, excluding one-offs/special items. | 16 | annual_report |
gb_prudential-AR_2019 | 1,808 | All Directors are members of the Standing Committee and have the right to attend all meetings and receive papers. | 19 | annual_report |
AdmiralGroupPLC-AR_2016 | 545 | Happy people make happy customers and happy customers make for a successful, thriving company. Our success goes hand-in-hand with having a strong culture. So our philosophy is a simple yet effective one: People who enjoy what they do, do it better. | 41 | annual_report |
NatixisSA-AR_2011 | 4,801 | Average number of ordinary shares issued and outstanding over the period 2,998,344,128 2,908,137,693 | 13 | annual_report |
3504 | 1,113 | Effective March 28, 2007, we issued an aggregate of $260.0 million in principal amount of 2.0% Convertible Senior Notes due May 15, 2012 (the “Notes’’). In May 2007, we filed an automatic shelf registration statement on Form S-3 with the SEC covering the resale of the Notes and common stock issuable upon conversion of ... | 193 | 10K |
4566 | 355 | events as well as claims associated with our automobile line of business. However, partially offsetting this decrease was adverse claim activity related to Hurricane Isaac which predominantly impacted Louisiana and Mississippi in late August 2012. | 35 | 10K |
RaiffeisenBankInternationalAG-AR_2018 | 174 | Retail customers are able to benefit from, for example, state-of-the-art internet and mobile banking applications including video identification, and from contact center solutions based on telephone or chat functions. By means of these sales and support channels – alongside around 2,100 business outlets, which remain t... | 107 | annual_report |
HiscoxLtd-AR_2012 | 85 | Reinsurance: The many catastrophes of 2011 provided significant opportunities in 2012 as rates doubled in some loss affected areas. We increased market share in Japan and maintained a good position | 30 | annual_report |
3391 | 448 | Company’s capacity, provides access to additional underwriting expertise, and generally makes it possible for the Company to offer products at competitive levels that could not otherwise be made available. Reinsurance is an actively managed tool that has increased in importance over recent years and will continue to pl... | 79 | 10K |
2886 | 758 | Consolidated losses and loss adjustment expenses totaled $427.2 million for the year ended December 31, 2005, compared to $409.7 million in 2004 and $395.3 million in 2003. Improvement in the loss ratio in 2005 as compared to 2004 was primarily attributable to favorable development on prior ultimate losses related to b... | 180 | 10K |
5242 | 1,373 | Foreign net premiums earned in 2016, 2015 and 2014 were approximately $1.4 billion, $1.4 billion and $1.5 billion, respectively. The foreign country in which Alleghany generates the largest amount of premium revenues is the U.K. Net premiums earned by operations in the U.K. in 2016, 2015 and 2014 were $622.3 million, $... | 57 | 10K |
INGGroepNV-AR_2002 | 33 | Savings ING offers a full range of savings instruments from basic savings deposits to ING Direct’s high return, no-fees internet savings accounts and sophisticated products that combine savings and investments. | 30 | annual_report |
fr_axa-AR_2008 | 1,057 | South East Asia and China APE increased by €3 million (+5%) to €66 million. On a comparable basis, APE increased by €8 million (+12%) mainly due to Indonesia (+23%) and Thailand (+31%) following the strong growth in sales force and in the bancassurance channel. | 44 | annual_report |
gb_prudential-AR_2012 | 3,072 | Refl ected as part of movement in consolidated statement of comprehensive income | 12 | annual_report |
5879 | 1,646 | In addition to the capital provided by the sale of our common shares, preference shares and senior notes, we may depend on external sources of financing to support our underwriting activities, such as bank credit facilities providing loans and/or letters of credit, as well as additional note issuances. As noted above, ... | 102 | 10K |
SwissReAG-AR_1963 | 134 | The parent and subsidiary companies contributed to these consolidated retained premiums as follows: in millions of Sw. frs. in millions of Sw. frs. | 23 | annual_report |
HannoverRueckSE-AR_2010 | 3,064 | Financial Statements” with regard to the management of capital the reader is referred to the “Financial position” section on page 73 et seq. of the management report. | 27 | annual_report |
5755 | 1,292 | We have served as the Company’s auditor since at least 2001, which includes periods before the Company became subject to SEC reporting requirements. We have not been able to determine the specific year we began serving as auditor of the Company. | 41 | 10K |
NatwestGroupPLC-AR_2010 | 113 | worst point 2009 2010 worst point 2009 2010 £157bn £250bn £343bn(8) | 11 | annual_report |
361 | 399 | The accident and health business, which constitutes the current majority of the Company's business, continues to enjoy good results although the trend has been unfavorable. The loss and LAE ratio was 64%, 52% and 38% for 1996, 1995 and 1994, respectively as some customers who had been experiencing excellent loss ratios... | 77 | 10K |
StandardLifeAberdeenPLC-AR_2018 | 1,011 | Appointed to the Board: August 2017 Appointed to the Board: August 2017 | 12 | annual_report |
fr_axa-AR_2019 | 8,552 | AXA both from a reputation point of view and from a regulatory perspective because a criminal conviction can have potentially far reaching negative implications for AXA Group companies engaged in regulated businesses around the world (including for their ability to obtain or maintain licenses to engage in certain types... | 60 | annual_report |
AvivaPLC-AR_2018 | 4,404 | Operating expenses exclude impairment of goodwill, associates and joint ventures; amortisation and impairment of other intangible assets; amortisation and impairment of acquired value of in-force business; and the profit or loss on disposal and remeasurement of subsidiaries, joint ventures and associates. These items r... | 78 | annual_report |
4919 | 1,177 | We have an internal investment/retirement committee, which includes our Chief Executive Officer, Chief Investment Officer, and Chief Operating Officer, all of whom receive monthly information on the value of the pension plan | 32 | 10K |
2197 | 1,114 | Sales of private client products in 2002 were $5.8 billion, including $3.1 billion from Kayne Anderson Rudnick, an increase of 27% from the same period in 2001 and redemptions from existing accounts were $5.5 billion, including $0.9 billion from Kayne Anderson Rudnick, an increase of 3% from the same period in 2001. Sa... | 106 | 10K |
gb_prudential-AR_2015 | 939 | — Scenario analysis for operational risk capital requirements, which focus on extreme, yet plausible, events | 15 | annual_report |
5835 | 1,159 | Agency RMBS consist of bonds issued by the Federal National Mortgage Association, the Federal Home Loan Mortgage Corporation and the Government National Mortgage Association which are primarily AAA rated and are supported by loans which are diversified across geographical areas. At December 31, 2020, agency RMBS had an... | 56 | 10K |
5187 | 1,520 | The Company's dynamic hedge programs were discontinued at the time of the Berkshire reinsurance transaction in 2013. These hedge programs generated losses (included in other revenues) of $39 million in 2013. | 31 | 10K |
SwissLifeHoldingAG-AR_2005 | 1,157 | Share of results of associates 3 0 0 – – 3 | 11 | annual_report |
3990 | 2,338 | Commercial mortgage loans. The Company estimates the fair value of commercial mortgage loans generally by discounting the contractual cash flows at estimated market interest rates that reflect the Company’s assessment of the credit quality of the loans. Market interest rates are derived by calculating the appropriate s... | 113 | 10K |
5843 | 894 | We participate with affiliated and unaffiliated employers in a 401(k) defined contribution plan, which covers substantially all employees. We match employee contributions and provide an additional discretionary contribution as summarized in the table below. Costs are allocated among the affiliates on a basis of time in... | 73 | 10K |
2061 | 940 | The insurance and reinsurance solutions that CFS develops to meet the risk management needs of its customers are written by our property and casualty subsidiaries. Results from this business are included within our insurance results. A property and casualty subsidiary issued a reinsurance contract to an insurer who pro... | 80 | 10K |
GjensidigeForsikringASA-AR_2017 | 4,054 | There are no rights attached to the holding of own shares. | 11 | annual_report |
NatixisSA-AR_2008 | 1,505 | Asset Management also confi rmed its marketing ambitions to independent wealth-management consultants by taking a 25% stake in the capital of the Dorval Finance management company. | 26 | annual_report |
RaiffeisenBankInternationalAG-AR_2019 | 1,925 | Staff expenses rose 1 per cent to €1,610,041 thousand. While the sale of the Polish core banking operations (minus €101,030 thousand) reduced expenses, salary adjustments and an increase in staff numbers drove staff expenses higher, mainly in Russia, at head office, in Ukraine, Slovakia and the Czech Republic. In addit... | 124 | annual_report |
fr_axa-AR_2012 | 6,343 | Other fi nancing debt owed to credit institutions (under €100 million) 1 2 | 13 | annual_report |
4757 | 955 | Premiums. Gross written premiums increased by 38.1% to $1,809.7 million in 2013 from $1,310.7 million in 2012, primarily due to the impact of a large Florida quota share reinsurance contract, new business opportunities, particularly for contracts with catastrophe exposed risks and higher subject premium on casualty quo... | 151 | 10K |
5340 | 2,436 | • In applying asset growth assumptions for the valuation of GMWBs, we use market-consistent assumptions consistent with fair value measurement, which are calibrated to observable interest rate and equity option prices | 31 | 10K |
4073 | 1,180 | Retirement Plans deposits have been negatively impacted by market volatility and by the market decline in 2008 and the first quarter of 2009 as businesses reduce their workforces and offer more modest salary increases and as workers potentially allocate less to retirement accounts in the near term. The impact of the pa... | 117 | 10K |
2924 | 855 | Because of anticipated long-term improvements in the claim management results for the group long-term income protection business, the Company expects its overall benefit ratio for group income protection to gradually improve relative to 2005 while the benefit ratios in the other lines of business are expected to remain... | 53 | 10K |
PhoenixGroupHoldingsPLC-AR_2009 | 850 | Current tax 28 44 – Prepayments and accrued income 622 – Other receivables 38 781 – Cash and cash equivalents 39 6,081 2 Amounts in trust 40 – 591 | 29 | annual_report |
5598 | 1,287 | (2)The assets of the mandatory retirement savings funds include separate account assets and equity securities. The liabilities include separate account liabilities and contractholder funds. | 24 | 10K |
1265 | 599 | The Company makes available health care and life insurance benefits for retired employees of the Company and certain subsidiaries. The Company makes contributions to the plans as claims are incurred. Retirees' | 31 | 10K |
1542 | 596 | (2) Included in fixed maturities are equity-linked notes of $1,232 million, $1,079 million and $916 million at December 31, 2000, 1999 and 1998, respectively, which include an equity component as part of the notes' return. Investment income for fixed maturities includes prepayment fees and income from the securities le... | 50 | 10K |
fr_axa-AR_2010 | 11,505 | L.228-92 and L.228-93 of the French Commercial Code, 1) Authorize the Board of Directors, with the right to subdelegate as provided by law, to resolve one or several capital increases, in France or abroad, in the context of offerings as set forth in section II of Article L.411-2 of the French Monetary and Financial Cod... | 96 | annual_report |
gb_prudential-AR_2017 | 1,723 | In 2017, as part of the investor relations programme, over 320 meetings were held with approximately 700 individual institutional investors in London, continental Europe, the USA and Asia. | 28 | annual_report |
fr_axa-AR_2019 | 6,998 | The change in Group share translation reserves €1,869 million was mainly driven by Japan (€+495 million), Switzerland | 17 | annual_report |
10 | 449 | 10. CAPITAL STOCK (CONTINUED) Shares reserved for issuance at December 31, 1993: | 12 | 10K |
3486 | 809 | We recognize revenues from PBM services, which include sales of prescription drugs by pharmacies in our nationwide network and related claims processing fees, provided to our clients. Revenue is recognized when the claims are adjudicated. Pharmacy claims are adjudicated at the point-of-sale using an on-line claims proc... | 214 | 10K |
SwissReAG-AR_1926 | 32 | ' Reserves: Fire, Accident, LiabRity, Burglary, Fidelity, Surety and Marine Dep^ | 11 | annual_report |
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