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what are high earners not rich yet henrys | high earners not rich yet henrys are individuals who currently have significant discretionary income and a strong chance of being wealthy in the future the term henrys was coined in a 2003 fortune magazine article written by shawn tully to refer to a segment of families earning between 250 000 and 500 000 but not havin... | |
how do i become a henry | becoming a henry entails prioritizing your career to deliver a high paying job a henry will have just started out investing not necessarily having put aside money for a long time therefore to become a henry focus more on your job career development and changes to your working income | |
what is a henry millennial | similar to a traditional henry a millennial henry are those in the their early 30 s earning a six figure salary these individuals especially if they live in a high cost of living area may leave them struggling to make ends meet or pay current bills despite having a very large income the bottom linehigh earners not rich... | |
what is a high deductible health plan hdhp | the term high deductible health plan hdhp refers to a health insurance plan with a sizable deductible for medical expenses an hdhp usually has a larger annual deductible usually four figures than a typical health plan but charges lower monthly premiums plans fully cover routine preventive care which means that individu... | |
when you reach this limit your plan pays 100 of your expenses for in network care if you re interested in taking this route it s important to understand how hdhps work and how having one will change how you pay for health care | hdhps became more common when hsa establishing legislation was signed into law in 2003 6special considerationsone of the perks of an hdhp is being able to open a health savings account hsa which is a tax advantaged savings account in fact hsas are exclusively available to people covered by an hdhp and you can t have an... | |
what qualifies as a high deductible health plan for an hsa | you can combine your hdhp with an hsa which is a tax advantage health care plan in order to qualify for an hsa you must be enrolled in an hdhp and not have any other type of health insurance | |
how much does a high deductible health plan cost | in order to qualify as such an hdhp must have a minimum deductible in 2022 of 1 400 for individuals and 2 800 for family coverage rising to 1 500 and 3 000 in 2023 the maximum amount of money insured individuals must spend is 7 050 per individual and 14 100 for families in 2022 rising to 7 500 and 15 000 in 2023 12 ins... | |
what does a high deductible health plan cover | medical expenses covered under an hdhp include preventive care such as blood pressure screening depression screening diet and nutritional counseling hiv screening and immunizations for diseases like chickenpox the flu and measles insured individuals are not responsible for copays or coinsurance associated with any of t... | |
what is high frequency trading hft | high frequency trading hft is a trading method that uses powerful computer programs to transact a large number of orders in fractions of a second hft uses complex algorithms to analyze multiple markets and execute orders based on market conditions traders with the fastest execution speeds are generally more profitable ... | |
how does high frequency trading work | high frequency trading hft is an automated form of trading it involves the use of algorithms to identify trading opportunities hft is commonly used by banks financial institutions and institutional investors it allows these entities to execute large batches of trades within a short period of time because everything is ... | |
does the cryptocurrency market use high frequency trading | yes high frequency trading does occur in the cryptocurrency market it works the same way that hft does in other markets using algorithms it analyzes crypto data and facilitates a large volume of trades at once within a short period of time usually within seconds | |
how fast is a high frequency trade | high frequency trading is fast it can be as fast as 10 milliseconds in some cases it can be even less to execute a large batch of trades 5the bottom lineadvances in technology have helped many parts of the financial industry evolve including the trading world computers and algorithms have made it easier to locate oppor... | |
what is the high low index | the high low index compares stocks that are reaching their 52 week highs with stocks that are hitting their 52 week lows the high low index is used by investors and traders to confirm the prevailing market trend of a broad market index such as the standard and poor s 500 index s p 500 understanding the high low indexth... | |
what is the high low method | in cost accounting the high low method is a way of attempting to separate out fixed and variable costs given a limited amount of data the high low method involves taking the highest level of activity and the lowest level of activity and comparing the total costs at each level if the variable cost is a fixed charge per ... | |
what the high low method tells you | the costs associated with a product product line equipment store geographic sales region or subsidiary consist of both variable costs and fixed costs to determine both cost components of the total cost an analyst or accountant can use a technique known as the high low method the high low method is used to calculate the... | |
how is the high low method used | the high low method is used to calculate the variable and fixed costs of a product or entity with mixed costs it considers the total dollars of the mixed costs at the highest volume of activity and the total dollars of the mixed costs at the lowest volume of activity | |
why is the high low method a simple analysis | because it takes less calculation work the high low method only requires the high and low points of the data and can be worked through with a calculator | |
why is the high low method considered unreliable | because it only considers two extreme activity levels the high or low points used for the calculation may not represent the costs normally incurred at those volume levels due to outlier costs that are higher or lower than would normally be incurred the high low method will then produce inaccurate results the bottom lin... | |
what is high minus low hml | high minus low hml also referred to as the value premium is one of three factors used in the fama french three factor model the fama french three factor model is a system for evaluating stock returns that the economists eugene fama and kenneth french developed hml accounts for the spread in returns between value stocks... | |
what is a high net worth individual hnwi | a high net worth individual hnwi is someone who generally has liquid assets of at least 1 million after accounting for their liabilities 1 liquid assets held by hnwis include cash and investments that can be easily liquidated or converted to cash including stocks the term hnwi is commonly used within the financial indu... | |
where are most high net worth individuals hnwis | north america had about 7 9 million hnwis in 2023 according to the capgemini world wealth report this is the highest concentration of hnwis in the world followed by the asia pacific region with 7 4 million individuals hnwis in europe totaled 5 8 million in 2023 latin america with 600 000 the middle east had 900 000 hnw... | |
how are hnwis categorized | the most commonly quoted figure for qualification as a high net worth individual is at least 1 million in liquid financial assets excluding personal assets such as a primary residence investors with less than 1 million but more than 100 000 in liquid assets are considered sub hnwis very high net worth individuals have ... | |
what benefits do hnwis get | hnwis are highly sought after clients for wealth managers they generally qualify for personalized managed investment accounts instead of regular mutual funds they also qualify for estate planning and tax planning as well as portfolio management services | |
where are most of the high net worth individuals | in sheer numbers of high net worth individuals north america leads the pack with 7 9 million followed by the asia pacific region with 7 4 million and europe with 5 8 million 1the bottom linea high net worth individual hnwi is someone with liquid assets of at least 1 million these individuals often seek the assistance o... | |
what is a high ratio loan | a high ratio loan is a loan whereby the loan value is high relative to the property value being used as collateral mortgage loans that have high loan ratios have a loan value that approaches 100 of the value of the property a high ratio loan might be approved for a borrower who is unable to put down a large down paymen... | |
what does a high ltv ratio loan tell you | lenders and financial providers use the ltv ratio to measure the level of risk associated with making a mortgage loan if a borrower can t make a sizable downpayment and as a result the loan value approaches the value of the appraised value of the property it ll be considered a high ratio loan in other words as the loan... | |
what is a high speed data feed | high speed data feeds transmit data such as price quotes and yields without delays and are used in high frequency trading hft for real time data analysis these data feeds may be transmitted over fiber optic cable microwave frequency broadcast or via co location at exchange server sites since hft profitability depends o... | |
how a high speed data feed works | high speed data feeds provide computerized algorithmic traders with faster more reliable data because hft is driven by faster access to data there has been a technological arms race as data feeds and transactions approach the speed of light hft creates natural monopolies in market data which critics say has given high ... | |
what is a high street bank | the term high street bank refers to a large retail bank that has many branch locations high street banks are major widespread institutions such as those found in the main commercial sector of a town or city they offer everyday banking services such as deposit accounts and credit facilities to consumers and businesses p... | |
what is the best high street bank | it depends on the specific services you are looking for as a customer some of the major high street banks with a good reputation include barclays the royal bank of scotland natwest lloyds bank and hsbc | |
where does the name high street bank come from | the name high street bank derives from the fact that these financial institutions were historically located on the high street or the main commercial street of a city | |
how many banks are there in the uk | there are 365 businesses in the bank industry in the uk as of 2023 this is an increase of 3 5 from 2022 5the bottom line high street bank is the name given to traditional brick and mortar banks in the uk they are large retail banks with hundreds of branch locations across the country serving mostly individuals and smal... | |
what is a high water mark | a high water mark is the highest peak in value that an investment fund or account has reached this term is often used in the context of fund manager compensation which is performance based the high water mark ensures the manager does not get paid large sums for poor performance if the manager loses money over a period ... | |
what are high yield bonds | high yield bonds also called junk bonds are bonds that pay higher interest rates because they have lower credit ratings than investment grade bonds high yield bonds are more likely to default so they pay a higher yield than investment grade bonds to compensate investors 1issuers of high yield debt tend to be startup co... | |
when a bond is rated baa3 or higher by moody s or bbb or higher by standard poor s or fitch it is considered investment grade bonds rated ba1 or lower by moody s or bb or lower by standard poor s or fitch are considered non investment grade 2 | you ll want to have a higher risk tolerance for investing in non investment grade bonds | |
how to invest in high yield bonds | you can invest in high yield bonds in several ways with the latter strategy you buy shares of a fund that is managed by a fund manager who chooses which bonds to include | |
when researching your choices in high yield bonds you can read primary documents like the bond s prospectus which provides information about the financial health of the company issuing the bond it also includes the company s plans for using the proceeds of the bond along with the bond terms and risks involved | the effect on high yield bonds when interest rates rise | |
when interest rates rise the market value of high yield bonds can decline because investors can get higher returns with newer bonds | however rising interest rates can also help high yield bonds because interest rates tend to increase when the economy expands so the corporations issuing the bonds can benefit from increased spending this means that these bonds would have a lower risk of default 5 | |
what is a non investment grade bond | a non investment grade bond is a bond that pays higher yields but also carries more risk and a lower credit rating than an investment grade bond non investment grade bonds are also called high yield bonds or junk bonds | |
are bbb bonds investment grade | bonds that have a bbb rating from either standard poor s or fitch are considered investment grade bonds although they are the lowest tiers of investment grade bonds non investment grade bonds are rated bb through cc moody s uses a different rating system 2the bottom linelike with any investment high yield bonds have ri... | |
what is a high yield bond spread | a high yield bond spread is the percentage difference in current yields of various classes of high yield bonds compared against investment grade corporate bonds treasury bonds or another benchmark bond measure spreads are often expressed as a difference in percentage points or basis points the high yield bond spread is... | |
how a high yield bond spread works | a high yield bond also known as a junk bond is a type of bond that offers a high rate of interest because of its high risk of default a high yield bond has a lower credit rating than government bonds or investment grade corporate bonds but the higher interest income or yield draws investors to it the high yield sector ... | |
what is a high yield investment program hyip | a high yield investment program hyip is a fraudulent investment scheme that purports to deliver extraordinarily high returns on an investment hyips often advertise yields of more than 100 per year in order to tempt investors they regularly use new investors money to pay off long standing investors monies received in su... | |
does anyone make money from a hyip | the scheme organizers make money when they accept funds from investors so may those investors who get involved early in the life of the fraudulent scheme and are paid by the organizers with money invested by later investors but investor funds received by the organizers are never actually invested legitimately | |
what s another well known hyip | although it didn t involve use of the internet the ponzi scheme run by bernie madoff and revealed in 2008 is very well known and remembered by the financial community including the investors he bilked his was a word of mouth investment scam that involved among other things secrecy attractive returns a lack of informati... | |
what is a high yield investment | a high yield investment typically refers to the corporate bonds issued by corporations with low credit ratings these are legitimate investments unlike hyips they offer higher yields than other corporate bonds such as those referred to as investment grade bonds to compensate investors for the higher level of risk associ... | |
what is the higher education act of 1965 | the higher education act of 1965 hea is a law designed to provide financial assistance to post secondary school students and to strengthen the educational resources of the colleges and universities of the united states the hea increased the amount of federal money given to post secondary school institutions developed s... | |
what the hea provides | the hea established a variety of financial aid options for students attending post secondary schools in the u s financial assistance programs including pell grants and stafford loans were created as a direct result of this legislation pell grants which do not need to be repaid come from federal funding and are availabl... | |
how did the hea contribute to post secondary education | the national education association calls the hea the cornerstone of college affordability for americans at this time 34 of college undergraduates receive pell grants to help pay for their education 16 more than 44 million americans have taken out federal student loans 17 | |
what is title iv of the hea | title iv authorizes and funds scholarships low interest loans and work study programs for students at eligible colleges and universities its best known programs include pell grants and stafford loans 2 | |
what type of school does the term higher education refer to | higher education refers to a course of study beyond the high school level leading to the award of a degree diploma or certificate this definition can encompass studies at a college a university a professional school or a technical school | |
what is a title i school | in the context of the higher education act a title 1 school is a post secondary institution of higher learning that has been approved to receive direct federal assistance to enhance its library or strengthen its programs or is approved to accept students whose tuition is subsidized by the hea it should not be confused ... | |
what is highest in first out hifo | highest in first out hifo is an inventory distribution and accounting method in which the inventory with the highest cost of purchase is the first to be used or taken out of stock this will impact the company s books such that for any given period of time the inventory expense will be the highest possible for the cost ... | |
what is a highly compensated employee hce | the internal revenue service irs defines a highly compensated employee hce as one who meets either or both of the following standards 1understanding highly compensated employeesthe disadvantage of being classified as a highly compensated employee is that your 401 k plan contributions are limited the irs wants to make s... | |
when a company contributes to a defined benefit or defined contribution plan for its employees and those contributions are based on the employee s compensation the irs requires that the company minimize the discrepancy between the retirement benefits received by highly compensated and lower compensated employees 6 | if an employer fails to correct a discrepancy the plan is liable to lose its tax qualified status all contributions would have to be returned to the plan s participants the employer could also face severe financial and tax consequences as a result of distributing the contributions and earnings 7a company can correct an... | |
what s a highly compensated employee | according to the irs a highly compensated employee is someone who either owned more than 5 of the interest in the business at any time during the year or the preceding year regardless of how much compensation that person earned or received or received more than 155 000 in compensation in the previous year if that year ... | |
why is it important to know whether i m a highly compensated employee | if you are a highly compensated employee the amount that the irs allows you to contribute to your 401 k plan is limited if you contribute more than that amount it would most likely be refunded to you and you d owe taxes on it 5 | |
why does the irs limit contributions for highly compensated employees | the irs places limits on hse contributions because it wants to ensure that the tax benefit of 401 k contributions doesn t favor highly paid employees over others 5 if hses were able to make larger contributions compared to other employees they d be able to reduce their taxable income to a greater degree the bottom line | |
when in doubt ask your company s benefits department whether or not you re a highly compensated employee double check on the amount you can contribute to your 401 k you also want to be prepared to pay additional taxes on what you may have contributed in the previous year | for example if it turns out that you are an hce and you contributed the maximum there could be consequences if your company fails the nondiscrimination test it will probably refund you the excess contributions you made this will be considered taxable income | |
what is a highly leveraged transaction hlt | a highly leveraged transaction hlt is a bank loan to a company that has a large amount of debt they were popularized in the 1980s as a way to finance buyouts acquisitions or recapitalizations understanding highly leveraged transactions hlts highly leveraged transactions are risky in that they add to a company s debt lo... | |
what is hikkake pattern | the hikkake pattern is a price pattern used by technical analysts and traders hoping to identify a short term move in the market s direction the pattern has two different setups one implying a short term downward movement in price action and a second setup implying a short term upward trend in price understanding hikka... | |
what is the hindenburg omen | the hindenburg omen is a technical indicator that was designed to signal the increased probability of a stock market crash it compares the percentage of new 52 week highs and new 52 week lows in stock prices to a predetermined reference percentage that is supposed to predict the increasing likelihood of a market crash ... | |
what is hindsight bias | hindsight bias is a psychological phenomenon that allows people to convince themselves after an event that they accurately predicted it before it happened this can lead people to conclude that they can accurately predict other events hindsight bias is studied in behavioral economics because it is a common failing of in... | |
what causes hindsight bias | hindsight bias occurs when new information comes to light about an experience changing how we recall that experience we selectively remember only the information that confirms what we know or believe to be true then if we feel we already knew what would happen all along we fail to carefully review the outcome or the re... | |
how to avoid hindsight bias | investors should be careful when evaluating their own ability to predict how current events will impact the future performance of securities believing that one can predict future results can lead to overconfidence and overconfidence can lead to choosing stocks or investments on a hunch not for financial performance or ... | |
what causes hindsight bias | hindsight bias is caused by memory distortion foreseeability and inevitability where we remember something we believe we predicted and view it at the present time as an inevitable event we knew would happen 1 | |
why is hindsight bias important in psychology | it is important because it clouds our ability to learn from experiences and make future decisions | |
what is the difference between hindsight bias and confirmation bias | confirmation bias is when you look for information to support your beliefs while hindsight bias is the belief that you predicted an event in the past the bottom linehindsight bias is a natural human response to past events in which we believe we knew the event would happen we then associate that belief with new events ... | |
what is hipaa waiver of authorization | a legal document that allows an individual s health information to be used or disclosed to a third party the waiver is part of a series of patient privacy measures set forth in the health insurance portability and accountability act hipaa of 1996 breaking down hipaa waiver of authorizationthe hipaa waiver of authorizat... | |
what is a hire purchase agreement | the term hire purchase refers to an arrangement for buying expensive goods in a hire purchase agreement the buyer makes an initial down payment and pays the remaining balance plus interest in installments the term is commonly used in the united kingdom and it s more commonly known as an installment plan in the united s... | |
how hire purchase agreements work | a hire purchase agreement is a type of credit agreement between a buyer and seller people typically enter into these contracts to buy products after an initial payment the buyer continues to make installment payments until the total purchase price is paid off at this point the buyer becomes the owner of the product the... | |
do not confuse a hire purchase agreement with an extension of credit in an extension of credit the purchaser technically doesn t own the item until all of the payments are made | special considerationsas noted above hire purchase agreements are used in the u k and are known in the u s but they are known as installment plans although they seem the same there are some distinctions between the two for instance using hire purchase agreements as a type of off balance sheet financing is highly discou... | |
what are the disadvantages of hire purchase agreements | some of the key disadvantages of hire purchase agreements include the overall higher cost of the product and the fact that ownership is not transferred until all payments are made these agreements can also be very complex arrangements with a lot of paperwork which can cause people to spend beyond their means there is a... | |
what are the types of hire purchase agreements | there are two types of hire purchase agreements consumer hire purchase agreements are designed for individual consumers purchasing personal products industrial hire purchase agreements are for businesses such as a company purchasing machinery who are the parties to a hire purchase agreement the parties to a hire purcha... | |
what is a hiring freeze | a hiring freeze is when an employer stops hiring workers usually temporarily in an effort to contain costs such cost cutting may be the result of financial distress but even large successful companies may opt to pause hiring amid an economic slowdown recession or instances of overcapacity hiring freezes may be short te... | |
what is a histogram | a histogram is a graphical representation of data points organized into user specified ranges similar in appearance to a bar graph the histogram condenses a data series into an easily interpreted visual by taking many data points and grouping them into logical ranges or bins | |
how histograms work | histograms are commonly used in statistics to demonstrate how many of a certain type of variable occur within a specific range for example a census focused on the demography of a town may use a histogram to show how many people are between the ages of zero 10 11 20 21 30 31 40 41 50 51 60 61 70 and 71 80 this histogram... | |
what is a histogram in simple terms | a histogram is a graph that shows the frequency of numerical data using rectangles the height of a rectangle the vertical axis represents the distribution frequency of a variable the amount or how often that variable appears the width of the rectangle horizontal axis represents the value of the variable for instance mi... | |
what is a histogram vs a bar graph | the histogram displays the distribution frequency as a two dimensional figure meaning the height and width of columns or rectangles have particular meanings and can both vary a bar chart is a one dimensional figure the height of its bars represent something specific the width of the bars has no meaning on a histogram t... | |
when should a histogram be used | in general a histogram can be used whenever there s a need to display a comparison of the distribution of certain numerical data in various ranges of intervals histogram examples can help an audience see and understand quickly and easily essential meanings and patterns related to a large amount of data they can be a be... | |
what is historic pricing | historic pricing is a unit pricing method used to calculate the value of an asset using the last valuation point calculated historic pricing is used when the value of an asset does not update in real time understanding historic pricinghistoric pricing illustrates the importance of understanding when assets have last ha... | |
what is a historic structure | a historic structure is a sub category of a historic property as designated by the national register of historic places referred to as the national register in casual conversation a historic structure refers to a building or other structure such as a bridge mine canal ship highway or locomotive that is significant beca... | |
what is a historical cost | a historical cost is a measure of value that s used in accounting the value of an asset on the balance sheet is recorded at its original cost when it s acquired by the company the historical cost method is used for fixed assets in the united states under generally accepted accounting principles gaap investopedia joules... | |
what are historical returns | historical returns are often associated with the past performance of a security or index such as the s p 500 analysts review historical return data when trying to predict future returns or to estimate how a security might react to a particular situation such as a drop in consumer spending historical returns can also be... | |
how to calculate historical returns | calculating or measuring the historical return of an asset or investment is relatively straightforward subtract the most recent price from the oldest price in the data set and divide the result by the oldest price we can move the decimal two places to the right to convert the result into a percentage for example let s ... | |
what is historical volatility hv | historical volatility hv is a statistical measure of the dispersion of returns for a given security or market index over a given period of time generally this measure is calculated by determining the average deviation from the average price of a financial instrument in the given time period using standard deviation is ... | |
what is hit the bid | hit the bid is a term used when a trader agrees to sell at the bid price the highest price a buyer is willing to pay for a security or asset the bid ask spread is the difference between the highest price that a buyer is willing to pay and the lowest price that a seller is willing to accept an individual looking to sel... | |
how hit the bid works | to hit the bid is to sell a security to another party at its bid price this price represents the highest price among competing offers for the security a trader will hit the bid if they think it is an attractive price or if they must sell quickly to hit the bid the most effective method is to enter a market order to sel... | |
what is his majesty s revenue and customs hmrc | hm revenue customs hmrc is the tax authority of the u k government the agency is responsible for collecting taxes paying child benefits regulating tax and customs laws and enforcing the payment of minimum wage by employers 1hmrc was formed in 2005 following the merger of the inland revenue and the board of customs and ... | |
when was the hmrc established | the hmrc was established by an act of parliament in 2005 1 | |
where is the headquarters of the hmrc | the hmrc is headquartered in westminster london the bottom linein 2005 the hmrc was formed with the merger of inland revenue and the board of customs and excise his majesty s revenue customs hmrc is the national taxing authority of the united kingdom that collects all direct and indirect taxes and administers benefits ... | |
what is hoarding | hoarding is the purchase and warehousing of large quantities of a commodity by a speculator with the intent of benefiting from future price increases the term hoarding is most frequently applied to buying commodities especially gold however hoarding is sometimes used in other economic contexts for example political lea... | |
what is a hobby loss | the term hobby loss refers to a loss that results from a business deemed to be a recreational activity or hobby by the internal revenue service irs taxpayers cannot claim and recoup this money when the agency says it is spent while pursuing a hobby that s because losses aren t allowed for expenses in excess of hobby in... | |
how hobby loss works | expenses are an expected part of running a business you have to spend money to make money expenses that are necessary to carry on a trade or business incurred to produce income or paid for investments in your company are deductible when despite a profit motive your overall expenses exceed your earnings the loss can off... | |
what is a hockey stick chart | a hockey stick chart is a price line chart in which a sharp increase occurs suddenly after a short period of quiescence or relative stability the line connecting the data points thus resembles a hockey stick hockey stick charts have been referenced in the world of business economics and policy as a visual device to ill... | |
what does hodl mean | hodl is a term derived from a misspelling of hold in the context of buying and holding bitcoin and other cryptocurrencies it s also commonly come to stand for hold on for dear life among crypto investors the term originated from a 2013 online post to the bitcointalk forum where the typo appeared the price of bitcoin in... | |
what is hodling | at 10 03 a m utc on dec 18 bitcointalk online forum user gamekyuubi posted a purportedly drunk semi coherent typo laden rant about the user s poor trading skills and determination to simply hold his bitcoin from that point on gamekyuubi concluded that the best course was to hold since you only sell in a bear market if ... | |
when to hodl | based on these principles the best time to hodl is now always and forever a true believer would always hold on to their tokens even if markets crash or become extremely volatile hodling becomes an ideological belief about the long term prospects of blockchain technology cryptocurrencies and the communities that have fo... | |
what does hodl stand for | hodl originated as a misspelling of hold written in all caps in an online post by an early bitcoin investor but hodl as it has gained popularity among crypto enthusiasts has come to mean hold on for dear life crypto hodlers like buy and hold stock investors pride themselves on holding on by not selling their cryptocur... | |
why do they say hodl instead of hold | hodl was a typo in a forum post title that quickly caught as a term that means hold on in the early cryptocurrency community the bottom linehodl is used in the crypto community to refer to a strategy of holding onto bitcoin holdings through its various price fluctuations and volatility the acronym is a misspelling of t... |
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