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what are the drawbacks of the gordon growth model | the ggm s main limitation lies in its assumption of constant growth in dividends per share it is very rare for companies to show constant growth in their dividends due to business cycles and unexpected financial difficulties or successes the model is thus limited to companies with stable growth rates in dividends per s... | |
what is governance risk management and compliance grc | governance risk management and compliance grc is a relatively new corporate management system that integrates these three crucial functions into the processes of every department within an organization grc is in part a response to the silo mentality as it has become disparagingly known that is each department within a ... | |
what is the government accountability office gao | the government accountability office gao is an independent and legislative agency that monitors and audits government spending and operations the agency examines how taxpayer dollars are spent and provides recommendations on how to save the government money or operate more fiscally responsibly established in 1921 gao i... | |
what is the governmental accounting standards board gasb | the governmental accounting standards board gasb is a private non governmental organization that creates accounting reporting standards or generally accepted accounting principles gaap for state and local governments in the united states understanding the governmental accounting standards board gasb the governmental ac... | |
what does generally accepted accounting principles gaap accomplish | gaap monitors and confirms the information that s provided to consumers and investors by public companies it adds a measure of trust to transactions so consumers and investors are more comfortable parting with their dollars public companies must adhere to 10 principles and abide by gaap standards 4who are the gasb memb... | |
what are municipal bonds | municipal bonds are debt securities they re offered by governments to raise funds to pay for their day to day operations and major projects such as building infrastructure and schools the money is returned to the purchaser at the bond s maturity date and interest is paid regularly during the period of ownership many of... | |
what is a government bond | a government bond is a debt security issued by a government to support government spending and obligations government bonds can pay periodic interest payments called coupon payments government bonds issued by national governments are often considered low risk investments since the issuing government backs them governme... | |
when the federal reserve repurchases u s government bonds the money supply increases throughout the economy as sellers receive funds to spend or invest in the market any funds deposited into banks are in turn used by those financial institutions to loan to companies and individuals further boosting economic activity | pros and cons of government bondsas with all investments government bonds provide both benefits and disadvantages to the bondholder on the upside these debt securities tend to return a steady stream of interest income however this return is usually lower than other products on the market due to the reduced level of ris... | |
how do you buy government bonds | u s treasury securities are available to investors through their broker or bank or directly through the treasurydirect website investors can also look to etfs or mutual funds that invest in treasuries municipal bonds are available via your broker | |
why are interest rates on government bonds usually lower than other bonds | bonds issued by the federal government are considered to be essentially riskless in the u s the federal government has never defaulted on its debt and the government could theoretically create more money or raise taxes in order to pay for the interest on existing debts to avoid default therefore treasuries carry what i... | |
what are u s government bond types | the u s government has a variety of different treasury securities available for purchase depending on what the investor is looking for the different offerings of the securities are treasury bills treasury notes treasury bonds treasury inflation protected securities tips floating rate notes frns series i savings bonds a... | |
what are example of non u s government bonds | foreign governments around the world issue debt in the form of bonds some of these commonly include the bottom linegovernment bonds issued by federal governments are among the safest investments around often carrying the risk free rate of return however because of their lower risk they also carry relatively lower yield... | |
what is a government grant | a government grant is a financial award given by a federal state or local government authority for a beneficial project it is effectively a transfer payment a grant does not include technical assistance or other financial assistance such as a loan or loan guarantee an interest rate subsidy direct appropriation or reven... | |
how a government grant works | government grants aren t just bestowed they must be applied for 6 getting a government grant is an extremely competitive process the paperwork is complex and applicants must describe how the awarded funds will benefit the local community or the public at large crafting a convincing proposal is so challenging that appli... | |
what is the government national mortgage association | the government national mortgage association is a federal government corporation that guarantees the timely payment of principal and interest on mortgage backed securities mbss issued by approved lenders ginnie mae connects the united states housing market to capital markets providing low cost financing for federal hou... | |
what does ginnie mae do | the government national mortgage association was established in 1968 as part of the u s department of housing and urban development hud to promote affordable homeownership 2 ginnie mae does not create mortgages but guarantees them for single and multifamily homes since the government backs these loans homeowners can se... | |
where ginnie mae guarantees only securities that comprise mortgages guaranteed by federal agencies such as the fha and va its relatives may back securities whose mortgages are not insured by the government fannie mae has a portfolio that invests in its own and other institutions mortgage backed securities | the gnma is also ostensibly the only mae or mac backed by the full faith and credit of the federal government in 2008 during the housing crisis fannie mae and freddie mac were overseen by the government via a conservatorship of the federal housing finance committee 9 some argue that the bailout erased ginnie mae s dist... | |
does ginnie mae provide mortgage financing | ginnie mae does not originate any loans or provide financing for mortgage issuers the gnma doesn t provide insurance to lenders against any credit risks that stem from borrowers furthermore ginnie mae doesn t set any standards for loan issuers such as underwriting or credit standards | |
why are ginnie mae securities considered a safe investment | ginnie mae does not buy or sell loans or issue mortgage backed securities mbs and its balance sheet doesn t use derivatives to hedge or carry long term debt 4the bottom linethe government national mortgage association gnma or ginnie mae guarantees principal and interest payments on mortgage backed securities issued by ... | |
what is the government of singapore investment corporation gic | the government of singapore investment corporation gic is a government owned company assigned to manage singapore s sovereign wealth fund the fund is now officially named gic private limited the gic was formed in 1981 with the aim to invest the sovereign wealth fund more aggressively in higher yielding asset classes an... | |
what is the government pension fund of norway gpfn | the government pension fund of norway is made up of two separate norwegian investment funds with different mandates the first is the government pension fund global gpfg also known as the oil fund established in 1990 to invest surplus revenues of the norwegian petroleum sector 1 the gpfg is the world s largest sovereign... | |
what are government purchases | government purchases are expenditures on goods and services by federal state and local governments the combined total of this spending excluding transfer payments and interest on the debt is a key factor in determining a nation s gross domestic product gdp transfer payments are expenditures that do not involve purchase... | |
what was the government securities clearing corporation | the government securities clearing corporation gscc was an organization that was responsible for clearing and netting trades for government and agency debt securities the gscc handled new issues and the sale of existing government securities it was established in the 1980s by the national securities clearing corporatio... | |
what is a government security | in the investing world government security applies to a range of investment products offered by a governmental body for most readers the most common types of government securities are those items issued by the u s treasury in the form of treasury bonds bills and notes however the governments of many nations will issue ... | |
what is a government shutdown | a government shutdown happens when nonessential u s government offices can no longer remain open due to a lack of funding the lack of funding usually occurs when there is a delay in the approval of the federal budget that will finance the government for the upcoming fiscal year the shutdown remains in effect until fund... | |
what is a government sponsored enterprise gse | a government sponsored enterprise gse is a quasi governmental entity established to enhance the flow of credit to specific sectors of the u s economy created by acts of congress these agencies although they are privately held provide public financial services gses help to facilitate borrowing for a variety of individua... | |
how a government sponsored enterprise gse works | gses do not lend money to the public directly instead they guarantee third party loans and purchase loans in the secondary market thereby providing money to lenders and financial institutions gses also issue short and long term bonds referred to as agency bonds the degree to which an agency bond issuer is considered in... | |
what is a government sponsored enterprise | a government sponsored enterprise gse is an entity that congress created to increase the flow of credit in certain areas of the u s economy particularly real estate gses differ from government agencies the main difference is that gses are privately held organizations while government agencies are run directly by the fe... | |
what is an example of a government sponsored enterprise gse | the federal national mortgage association fannie mae the federal home loan mortgage corp freddie mac and the federal home loan bank fhlb system are government sponsored enterprises gses in the housing finance market slm corp sallie mae is a student loan gse and the farm credit system fcs and the federal agricultural mo... | |
is freddie mac a government sponsored enterprise | yes freddie mac is a government sponsored enterprise in the housing finance market as a housing gse freddie mac is a federally chartered shareholder owned private company with a public mission to provide stability in and increase the liquidity of the residential mortgage market according to the white house 12 freddie m... | |
what is a government sponsored retirement arrangement gsra | a government sponsored retirement arrangement gsra is a canadian retirement plan for individuals who are not employees of a local provincial or federal government body but who are paid for their services from public funds because this type of retirement plan is not registered with the canada revenue agency cra the cana... | |
what is a government wide acquisition contract gwac | a government wide acquisition contract gwac is a contract in which multiple government agencies align their needs and purchase a contract with external providers for goods or services gwacs allow agencies to purchase new technology such as computers and information technology solutions at a better price since taxpayers... | |
how to use a gwac | there are a few steps that come with using a gwac to buy it solutions for a specific federal agency these are as follows additional steps to using a gwac include requesting an optional scope review and requesting an optional capabilities statement 5 | |
why are government wide acquisition contracts used | government wide acquisition contracts are used to provide government agencies with it and computer related services at a reduced cost the idea behind them is that one government agency initiates the contract with the expectation that others will sign on gwac providers offer services for a specified time rather than a c... | |
what is an indefinite delivery indefinite quantity contract | the term indefinite delivery indefinite quantity contract refers to a type of contract for goods and services that expires within a certain time frame these types of contracts streamline the speed and delivery when the quantity of services can t be determined | |
what is a nasa sewp contract | a nasa sewp contract is a type of government wide acquisition contract it procures and provides it products and services for federal government agencies the contract is initiated by nasa which is known as the executive agent in the contract other agencies may sign on to receive services which helps reduce the cost each... | |
what is a grace period | a grace period is a set length of time after the due date during which payment may be made without penalty a grace period typically of 15 days is commonly included in mortgage loan and insurance contracts 1 | |
how a grace period works | a grace period allows a borrower or insurance customer to delay payment for a short period of time beyond the due date during this period no late fees are charged and the delay cannot result in default or cancellation of the loan or contract in most cases payment after the due date but during the grace period does not ... | |
when defining a grace period on a loan it is important to note that credit cards do not have grace periods for their monthly minimum payments a penalty for late payment is added immediately after the due date and interest continues to be compounded daily | a payment after the due date but during the grace period generally does not cause a black mark on the borrower s credit report however the term grace period is used to describe one scenario in consumer credit a period of time before which interest may be charged on new purchases on a credit card is called a grace perio... | |
what does grace period mean | a grace period is the period of time after payment is due but before late fees interest or other penalties start to accrue different contracts will have different grace periods a monthly rental contract might have a grace period of five days while student loan contracts have a grace period of six months after graduatio... | |
what are some things you can do during the grace period | for student borrowers the six month grace period is often used to find a job choose a repayment plan that fits their budget or enroll in another higher education program this allows borrowers to establish a career before loan payments begin | |
what is another word for grace period | grace periods are sometimes referred to as forgiveness periods although this is a misnomer debt obligations are not forgiven during grace periods they are simply postponed for a short period of time grace periods should not be confused for deferments or moratoriums which are time periods in which a lender allows the bo... | |
what is the grace period of an insurance policy | in insurance the grace period is the time between the payment due date and the time when insurance coverage will be revoked due to nonpayment this may be anywhere between 24 hours and a full month after payment if you miss a payment and later choose to reinstate coverage your insurer may choose to inspect the property ... | |
what is a grace period for work | in employment the grace period refers to the time after a new shift begins in which a late employee will not face any penalty a typical grace period is seven minutes since most time clocks round to the nearest quarter hour there is also a grace period for foreign specialists on work visas if an employee is terminated f... | |
what is graded vesting | graded vesting is the process by which employees gain over time ownership of employer contributions made to the employee s retirement plan account traditional pension benefits or stock options graded vesting differs from cliff vesting in which employees become fully vested following an initial period of service and imm... | |
what is the graduate management admission test gmat | the graduate management admission test gmat is a standardized test used to measure a test taker s aptitude in mathematics verbal skills and analytical writing the gmat is most commonly used as the primary exam reviewed by business schools to gain entrance into an mba program the exam is generally offered by computer on... | |
how the gmat is applied | the graduate management admission council administers the exam in addition to testing comprehension of writing and math the gmat is also used to assess an individual s critical reasoning skills and logic as applicable to business and management in the real world starting in 2012 the exam added a section called integrat... | |
what is a graduated lease | a graduated lease is an agreement under which a tenant and landlord agree to a periodic adjustment of monthly payments for example the agreement may reflect an increase in the tenant s payments due to market conditions or an increase in the value of the leased property | |
how a graduated lease works | a graduated lease tends to benefit the property owner over the long term but the arrangement offers advantages to both the landlord and the tenant a graduated lease allows the property owner or lessor the opportunity to charge increased rent as property values increase over time the tenant or lessee can take possession... | |
what is a graduated payment mortgage gpm | a graduated payment mortgage gpm is a type of fixed rate mortgage for which the payments increase gradually from an initial low base level to a higher final level typically the payments will grow between 7 to 12 annually from their initial base payment amount until the full monthly payment amount is reached | |
how graduated payment mortgages work | a graduated payment mortgage is designed to start with the homeowner owing minimum payments then over time the payment amount increases a low initial interest rate is what qualifies the buyer this lower rate allows many who might not otherwise qualify for a home mortgage to be eligible because they can afford the low i... | |
what is a graduated payment mortgage | a graduated payment mortgage is a type of home loan in which monthly payments start out at one amount then increase gradually over time this type of mortgage is designed to help homebuyers who may have difficulty qualifying for a loan because they earn a lower income who should consider a graduated payment mortgage a g... | |
how are graduated payments calculated | graduated payments are calculated using the mortgage loan amount the interest rate the annual graduation rate and the number of graduations applied you can calculate monthly payments for a graduated mortgage using an online loan calculator | |
what is the graham number | the graham number or benjamin graham s number measures a stock s fundamental value by taking into account the company s earnings per share eps and book value per share bvps the graham number is the upper bound of the price range that a defensive investor should pay for the stock according to the theory any stock price ... | |
where | according to benjamin graham the current price should not be more than 1 1 2 times the book value last reported however a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets as a rule of thumb the product of the multiplier times the ratio of price to book value should not exceed ... | |
what is a good graham s number | graham s number will always present a maximum stock price given a company s eps and bvps as a result any stock price below that figure should signal a good buy for a value investor | |
how does the graham number work in value investing | the graham number takes a company s per share metrics and normalizes it based on a recommended upward limit for value investors of 15x p e and 1 5x p b who was benjamin graham benjamin graham is one of the founding fathers of value investing and a financial guru to many famous value investors such as warren buffett gra... | |
what is unfunded pension plan | an unfunded pension plan is an employer managed retirement plan that uses the employer s current income to fund pension payments as they become necessary this is in contrast to an advance funded pension plan where an employer sets aside funds systematically and in advance to cover any pension plan expenses such as paym... | |
what is a unicameral system | a unicameral system is a government with one legislative house or chamber unicameral is the latin word that describes a single house legislative system countries with unicameral governments include armenia bulgaria denmark hungary monaco ukraine serbia turkey and sweden unicameral systems became more popular during the... | |
in the language of venture capital a unicorn refers to a privately held startup company with a valuation exceeding 1 billion these companies often found in technology and other sectors requiring massive capital to bring products to market have included household names like airbnb inc abnb | investopedia paige mclaughlin | |
what are unicorns | venture capitalist aileen lee popularized the term in the early 2010s i used the word unicorn because it is kind of magical that takes some alchemy some great timing a lot of things have to come together it s not easy she had said 2 the vast majority of companies that are venture funded and have people who are super sm... | |
what is venture capital | venture capital is a form of private equity financing provided by investors to startups and small businesses with a high potential for growth these investors known as venture capitalists fund young companies in exchange for equity or an ownership stake in the businesses | |
what is an ipo | an initial public offering ipo is the method of a private company offering its shares to the public for the first time and becoming a publicly traded company this event marks the transition from a privately held entity to a publicly listed company on a stock exchange the primary purpose of an ipo is to raise capital fr... | |
is amazon a unicorn company | unicorns are typically used to describe privately held startup companies with market caps of over 1 billion so amazon is not considered a unicorn company as it is public when amazon went public on may 15 1997 it raised 54 million which gave it a market cap of 438 million about 859 million in 2024 dollars which is below... | |
how can i invest in a unicorn | unicorns are startup companies so unless you are a private investor or venture capitalist they don t really accept a lot of moderately sized investments however interested investors should track the growth of these unicorns if they ever decide to become public companies the bottom lineunicorns are startups whose valuat... | |
what is a unified managed account | a unified managed account uma is a professionally managed private investment account that can include multiple types of investments all in a single account investments may include mutual funds stocks bonds and exchange traded funds unified managed accounts are often rebalanced on a specified schedule understanding unif... | |
what is a unified managed household account umha | a unified managed household account umha is a privately managed account that consolidates multiple unaffiliated products including mutual funds etfs and individual securities this type of account allows immediate family members such as parents and children to access the account a unified managed household account allow... | |
what are the fees associated with a umha | investors with a umha will typically pay an annual or quarterly fee this fee is usually a percentage of their total assets under management aum this fee will vary depending on the institution at which the account is held and may decrease as assets under management increase | |
what are the tax benefits of a umha | because all a the account holder s investments are held in a single account the account manager can make investment decisions that maximize returns while minimizing the investor s tax burden this can streamline tax planning and reduce the amount of taxes the investor ultimately owes the bottom linea unified managed hou... | |
what is a unified payments interface upi | a unified payments interface upi is a smartphone application that allows users to transfer money between bank accounts it is a single window mobile payment system developed by the national payments corporation of india npci it eliminates the need to enter bank details or other sensitive information each time a customer... | |
how unified payments interface upi works | the unified payments interface is a real time payment system it is designed to enable peer to peer inter bank transfers through a single two click factor authentication process the interface is regulated by the reserve bank of india rbi india s central bank it works by transferring money between two bank accounts along... | |
is upi available in the u s | yes upi is available in the u s you are able to send money to india from the u s using upi you need the upi id of the receiver and can use a variety of banking apps such as wise world remit and remitly | |
which upi systems can you use in india | the upi systems that you can use in india consist of many banking payment apps that allow you to use upi these include phonepe google pay axis pay and bhim | |
is upi safe in india | yes upi is safe in india it is regulated by india s central bank the reserve bank of india the bottom linethe unified payments interface upi in india is a regulated smartphone tool that allows for mobile payments to be made without debit or credit cards the upi has made paying for transactions easier and simpler facili... | |
what is the unified tax credit | the unified tax credit or unified transfer tax is available to all u s taxpayers by the internal revenue service irs and combines two separate lifetime tax exemptions for gift and estate taxes the combined exemption limit applies to taxable gifts you make to others during your lifetime inter vivos gifts and assets you ... | |
what is the gift tax exclusion for 2023 and 2024 | for 2023 the exclusion is 17 000 and 18 000 in 2024 1 the annual amount you can gift to a spouse who is not a u s citizen is 175 000 in 2023 and 185 000 in 2024 11 | |
what is the gift and estate tax exemption for 2023 and 2024 | for 2023 the exemption is 12 92 million or 25 84 million if you re married and filing jointly for 2024 the exemptions are 13 61 million and 27 22 million respectively 1 | |
which states have an estate tax | in addition to the federal estate tax imposed on all states 12 states and the district of columbia impose state estate taxes at 20 hawaii and washington have the highest top estate tax rates illinois maryland massachusetts minnesota new york oregon rhode island vermont and the district of columbia have a top tax rate o... | |
what is the uniform bank performance report ubpr | the uniform bank performance report ubpr is an analytical tool created by the federal financial institutions examination council ffiec to help supervise and examine financial institutions the ubpr serves as an analysis of the impact that management and economic conditions can have on a bank s balance sheet it examines ... | |
what is a uniform bill of lading | a uniform bill of lading is a standardized agreement between an exporter and a carrier regarding the items or property to be transported the uniform bill of lading provides a boilerplate language for the basic information about a shipment such as the shipper and recipient s names and the shipment s origin and destinati... | |
what is the uniform commercial code ucc | the uniform commercial code ucc is a standardized set of regulations for conducting business and financial transactions in any state in the u s it is not a federal statute but a state law that has been adopted by all 50 states and the district of columbia the uniform commercial code was established in 1953 to ease the ... | |
how the uniform commercial code ucc works | if you ve ever purchased a business or a vehicle chances are you signed a ucc 1 statement the title remains in the lender s possession until the loan is paid off the policies instituted under the uniform commercial code ucc are largely focused on the activities of small businesses and entrepreneurs part of the intent i... | |
what does the uniform commercial code article 2 and 2a cover | uniform commercial code article 2 covers the sale of goods excluding real estate and service contracts article 2a covers leases of personal property | |
how does a ucc lien work | a ucc lien also known as a ucc filing is a form that a creditor files to provide notice that they have an interest in the property of a debtor whether that property is personal or business the overall purpose of a ucc lien is to allow a creditor to claim collateral on financing with a debtor the creditor will have the ... | |
what is the uniform consumer credit code uccc | the uniform consumer credit code uccc is a draft law adopted by 11 states that governs consumer credit transactions it establishes rules related to the issuance and use of all types of credit products from credit cards to mortgages the code is intended to protect consumers from fraud and unfair practices on the part of... | |
how the uniform consumer credit code uccc works | the uniform consumer credit code was approved by the national conference of commissioners on uniform state laws in 1968 and revised in 1974 1 the code is not in itself a federal or state law but states may use it in order to write consistent consumer credit laws although it s not if effect nationally the code has been ... | |
how are commissioners appointed to the uniform law commission | according to the uniform law commission each jurisdiction determines the method of appointment and its number of commissioners in most states the governor appoints the state s commissioners to serve a specified term in a few states ulc commissioners serve at the will of the appointing authority and have no specific ter... | |
what s the difference between a uniform code and a model act | uniform codes or uniform laws are drafted by the uniform law commission and may be adopted by state legislatures partially or in their entirety model acts can be drafted by anyone they are rarely enacted in their entirety but serve as guidelines 5 the uniform law commission has also drafted model acts 6 | |
what federal laws protect credit card holders | credit card holders are protected by a number of federal as well as state laws the most recent major law on the federal level is the credit card accountability responsibility and disclosure act of 2009 also known as the card act which amended the truth in lending act its provisions include clearer disclosure of credit ... | |
what is uniform distribution | in statistics uniform distribution refers to a type of probability distribution in which all outcomes are equally likely probability distributions can help you decide the probability of a future event uniform distribution for a deck of cards is expected because the likelihood of drawing a heart a club a diamond or a sp... | |
what does uniform distribution mean | uniform distribution is a probability distribution that asserts that the outcome possibilities for a discrete set of data are the same for each value | |
what is the formula for uniform distribution | the formula for a discrete uniform distribution ispx 1nwhere px probability of a discrete valuen number of values in the range begin aligned p x frac 1 n textbf where p x text probability of a discrete value n text number of values in the range end aligned px n1 where px probability of a discrete valuen number of value... | |
is a uniform distribution normal | no a uniform distribution is not normal normal which refers to the way data is distributed about the mean shows that the probability of a variable occurring around the mean is higher than for a variable occurring far away from the mean the occurrence probability is not uniform with normal data whereas it is constant wi... | |
what is the expectation of a uniform distribution | the expectation with a uniform distribution is that all possible outcomes have the same probability the probability for one variable is the same as that for another the bottom lineuniform distribution is one of several different examples of probability distributions used in statistics a uniform distribution is one wher... | |
what is the uniform gifts to minors act ugma | the uniform gifts to minors act ugma allows individuals to give or transfer assets to underage beneficiaries the act which was developed in 1956 and revised in 1966 is commonly used to transfer assets from parents to their children 1 the amount is free of gift tax up to a certain amount the assets are usually placed in... | |
how a ugma account works | a ugma account functions as a type of custodial account it is designed to hold and protect assets for the beneficiary the donor can appoint themselves another person or a financial institution in the role of custodian the custodian has the authority to buy stocks bonds mutual funds and other securities on behalf of the... | |
how are gifts to minors taxed | financial gifts in the amount of up to 16 000 in 2022 are exempt from taxes this increases to 17 000 in 2023 gifts in any amount over this amount per year will be taxed 6 | |
what is a downside to the uniform gifts to minors act | as the assets in a ugma account are owned by the minor this can reduce the amount of financial aid they may receive if the balance of the ugma account is too high it may disqualify them completely from any financial aid this is true even if they haven t reached the age of majority and can t access the account until a c... | |
where can i open a uniform gifts to minors account | a uniform gifts to minors account is an easy to understand vehicle that can be opened at a brokerage institution or a bank anyone can contribute assets to these accounts one thing that depositors should remember is that whatever they put into the accounts becomes irrevocable and the property of the beneficiary the bott... | |
what is a uniform individual accident and sickness policy provisions act | a uniform individual accident and sickness policy provisions act is legislation that every u s state has passed into law in some form it stipulates that individual health insurance policies must contain certain provisions in order to be valid 1 understanding the uniform individual accident and sickness policy provision... |
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