Good tips: How to improve your credit rating

Before a lender grants you a loan, it is only natural that they want to assess whether you are actually able to pay your monthly repayments. This applies not only to the actual loan amount, but also to the interest and fees you are charged as compensation for the credit granted.

To ensure this, they do a so-called credit rating on you. In this regard, they go through many different aspects. Among other things, they review the following when they credit you as a customer:

  • Fortune
  • Income
  • Debt
  • expenses
  • job situation
  • family Situation

Such a credit rating is intended to create a picture of your financial situation. Before you can be granted a loan, you must have a positive credit rating. If you want to take out a loan, it is a good idea to work on improving your credit rating.

How to improve your credit rating

money cash

Your credit rating plays a crucial role in borrowing money. To increase your chances, you should make an effort to improve your credit rating, if it is not already sublime. Fortunately, this is something you can achieve in several ways.

Here are some tips on what you can do yourself if you want to improve your credit rating – and thus increase your chances of getting the loan you want.

Pay your bills on time

If you are not good at paying your bills on time, then you could risk having a negative impact on your credit rating. This is an indicator that there are no best conditions for you to pay off your loan repayments in a timely manner.

Therefore, it is important that you always focus on paying your bills on time. If this does not happen, you will not only receive reminders but may even risk registering in RKI – and it is not exactly something that will benefit your credit rating in a positive direction.

Repay existing debt

money loan

When a lender assesses your creditworthiness, it looks at, among other things, whether you have an existing debt. If so, they will also investigate the size of your existing debt.

If you have previously taken out loans that have not yet been repaid, this will typically be considered as a sign that your repayment ability is not particularly positive. If you want to take out a new loan, it is a good idea to make sure that you pay off your existing debt.

Apply with a partner

You will not be credited with this, but your chances of being approved by the chosen lender will increase if you have a co-applicant when you submit your application. With a co-applicant, you will not guarantee the loan on your own, which increases your chances of getting approved.

However, if this is something you are considering, it is important that your co-applicant understands that he or she will be responsible for repaying your loan should you be unable to repay the loan yourself.

The Jargon Behind a Car Insurance

Ready to buy a new car or take out insurance? We know that the terms that cross your path during your research are not always simply formulated. That is why we guide you through this glossary.

Civil liability insurance

Civil liability insurance

This is also called the BA insurance and is absolutely mandatory in our country. This compensates the material damage and physical injuries of victims of an accident. If you do not have this car insurance, you are not allowed on the Belgian roads. If you then cause an accident, your own physical injuries and other costs are not covered.

Bonus Malus Ladder

This is perhaps a term that you have heard before, but what does it mean exactly? Well, for car insurance, a reward system is used. This means that insured parties who do not cause any damage will build up claim-free years. Based on how many years you build up, you have to pay less to your insurer. That discount is built up in steps, hence the name ‘bonus-malus ladder’. Per x number of claim-free years, you can go down a step and your premium drops. Although the bonus-malus system in Belgium is no longer mandatory since 2004, many insurers still use it.

BOB guarantee

BOB guarantee

Some insurers cover both the damage to other road users and the damage to your own vehicle if you are replaced by a PDO driver. If you have a glass too much, it is therefore a good thing to have someone else – sober, admittedly – drive home with your car. Not all BA insurances have a BOB guarantee.


This abbreviation stands for “Vehicle Registration Service”. This is the government department that manages the number plates and registration certificates. Here you can also find personalized number plates, transit plates, trader and test drive plates – in short, everything that has to do with number plates.

Franchise or exemption

car insurance

This is the amount that you have to pay yourself when your insurer pays compensation for an accident. Don’t worry, because this amount is fixed in advance in the insurance contract. This amount can either be fixed and therefore fixed, or in proportion to the total damage costs.

Economic total loss

When your car is declared economically total loss, this means that the damage is so great that your repair cost is higher than the value of your car. So more has to be invested to repair your car than it is still worth. Suppose your car is fifteen years old and someone else bumps into it, chances are that your car will be declared economically total loss . If you want to have it repaired, you will have to pay the difference in relation to the value itself.

Technical total loss

Unlike when your car is declared an economic total loss, this is about damage that can no longer be repaired. Here we are talking about extreme cases, such as fire damage or a highly deformed body.

Green card

The green card is a document that states that you are insured. When a police check asks for your vehicle documents, you normally bring up a folder containing the green card. This and the test certificate are the most important car documents, so make sure you have them with you in your car at all times.


Economic total loss

If you take out comprehensive insurance, you are always insured in the event of an accident – even if you caused it yourself. It even covers the material damage to your own car, even if no third party is involved. The coverage is more or less extended depending on the insurance contract.

Damage-Free Years Your Car Insurance From Now on Your Policy

From January 1, 2014 you never have to wonder how many claim-free years you have accumulated. Last summer, the insurance companies affiliated with the Dutch Association of Insurers agreed with each other.


Why is that good news?

car loan

The accrued number of claim-free years determines your discount percentage. The more claim-free years, the higher the discount. Do you want to switch to a different insurer? Then it is nice to know in advance exactly how long you have driven without damage. That way you know exactly what your new car insurance premium will be.


How was it again?

How was it again?

Many insurers never mentioned this number on your policy schedule. Often on which bonus-malede reason you were. But because bonus/malus ladders can differ per insurer, this led to much confusion among car owners if they wanted to switch once or make a premium comparison. This will change as from 1 January because insurers will now state your claim-free years on the policy schedule or bill.


Your benefits with claim-free years on your policy schedule

Your benefits with claim-free years on your policy schedule

From now on you will never again experience the following problems with a possible transfer:

  • You state too many claim-free years, so that you pay a higher car premium after recalculation.
  • You state too few claim-free years, as a result of which you may remain ignorant of a higher premium discount and you refrain from a favorable transfer.


Still accurately compare

Still accurately compare

Because you now know how many claim-free years you actually have, you can therefore more accurately compare the premium for your car insurance with the premiums of other companies. You can immediately see exactly how much you save on your car insurance.

Compare car insurance

A difference that among Binto Binto users is around € 200 a year!


More transparency

More transparency

Binto Binto has been committed to a more transparent insurance market since 2000. We therefore warmly welcome the decision of the car insurers. You, as a consumer, can only benefit from it. The possible randomness belongs to the past. From now on you can clearly see what your number of pure claim-free years is. Something that you, of course, are entitled to as an insured person.


Not everything will be different

Not everything will be different

Every insurer can still choose, for example, to offer a no-claim protector or to use its own bonus-malus ladders. For example, with a no-claim protector you are assured not to fall back in claim-free years if you ever claim damage on your car insurance. But if you switch, then your actual number of claim-free years will certainly be looked at.

You can now find that number on your policy schedule. Unpleasant surprises about your premium discount are a thing of the past.

What to do if the bank requires you to take their home insurance

Change your bank if it does not respect the Lagarde law


The Lagarde law allows you to take the insurance of your choice. The attitude of the bank here is abusive. The ideal would be to compete with the loan and to have several offers. Realize a real estate loan simulation with our broker partner in CREDIT: he can find a rate equivalent to your bank and make you a credit proposal within 48 hours.

Enforce the Lagarde Law by imposing your choice of borrower collateral


In a first time, about the insurance of loan, I advise you to make him an email by making it clear to him that the Law Lagarde allows you to choose your insurance credit and that you wish to profit from this right, so as to have a writing.

The possibility of changing your insurance contract for 1 year

If you subscribe the loan insurance contract proposed by your bank, know that thanks to Hamon law, you now have a period of one year, from the date of signing your credit, to change the contract in subscribing to the insurer of your choice.

Reminder on the Lagarde law

The Lagarde law allows you to subscribe to the insurer of your choice insurance with guarantees equivalent to those of the group contract of the lender. This is called “insurance delegation”. This allows you to benefit from an individual coverage whose guarantees and prices depend directly on your profile and your situation.

Use your right to change loan insurance


The cost of loan insurance can represent up to 25% of the total cost of a home loan. From now on, you have 1 year to replace your group insurance contract with the individual insurance of your choice. You then have the time to properly review your contract and compete between offers to get cheaper and more suitable loan insurance. You can significantly reduce its cost and lighten that of your mortgage.

Auto loan at a dealer, what should you watch?

Choosing a new or used car from a dealership is the most common purchase. You can indeed negotiate the options of the vehicle as you wish and you can do the same for the car loan if you want to benefit from the correct rates.

Why go to a car dealership rather than a bank or consumer credit organization? What are the pitfalls to avoid ?

The advantages of choosing a car loan from a dealer

Entering a car loan from a dealer is the simplest solution. At the same time as the conclusion of the purchase of the vehicle, you buy the credit to finance it and you have no additional steps to perform.

As a result, if you have found a model of car that you like, dealers automatically offer auto credits that can sometimes be very interesting. Taking out a loan at the same time you buy your vehicle is an additional opportunity to negotiate better. Do not be afraid to get into trading. This process is very common among dealerships and represents a noble art.

You are indeed in a position of strength because you represent a privileged customer for the dealer who would be wrong to refuse you a reduction at the risk of running away. The prices are really competitive, the credits are easy to get directly at the point of sale and this system is an option increasingly popular with car buyers.

To make his sale a reality, the seller has an impressive service and great business arguments. The dealer has a strong interest in selling its cars with the credit it offers because for the company, the operation builds customer loyalty and for the seller, it allows him to improve its turnover.

Thus, it is always possible to find a new vehicle without paying full price. You can have a discount of up to 5% of the manufacturer price on the new models that have just been released. As for the less recent cars, you can negotiate them more easily, whose reduction can go up to 20% according to the reputation of the marks.

By buying a vehicle from a dealership, you will be more likely to get a discount on a model already in store than on order.

Between storage costs, lack of space and the fact that getting rid of the vehicle sometimes becomes a priority, the dealers do not hesitate to grant a larger discount, provided they do not look at the color or the options. And this is especially true when you take out a car loan directly from his services.

It is the same if you are interested in a used car at zero kilometer. These new vehicles are already registered demonstration models and they have less than 100 kilometers on the clock. You have the opportunity here to negotiate the car hoping to reach 25% discount.

The car pack

By purchasing your new vehicle, you can opt for an all-in-one deal. Simple, effective and truly practical, the car pack will save you time and money.

This concept is increasingly practiced, especially for used vehicles, and comes in different forms. However, the car pack incorporates most of the time the car credit, vehicle damage insurance, assistance, maintenance and extended warranty manufacturer.

Through these packaged formulas, you can benefit from a lower credit rate or a discount on insurance. All these contracts are underwritten at one time and you have the advantage of having only one and only monthly payment to repay your car loan.

However, there is no standard packaged offer and the benefits differ from pack to pack. Before making your choice, carefully check what is included in the all-in-one package to avoid unpleasant surprises.

Do not buy a car pack if it contains a service that you do not want or that you will not use because you will pay anyway, and this will represent an additional cost.

The balloon credit

If you do not want to commit to the long term, this solution allows you to acquire a vehicle without resorting to conventional car credit. All dealers can distribute a balloon credit which is a fine credit specially designed for the purchase of a vehicle.

This credit is not amortized over time and must be repaid in full as soon as it expires. You sign a vehicle purchase agreement whereby the seller agrees to buy your car at a pre-determined date and price simply in case you wish to separate from it. The balloon credit can be established over periods ranging from 12 to 48 months.

The longer the duration, the lower the monthly payment. A mileage package is also specified in the subscription agreement. The balloon credit is granted in addition to a personal contribution up to 15% of the price of the vehicle.

So at the end of the contract, you can decide to buy cash at a predetermined price by paying the purchase option or rather choose to return the vehicle to the dealer who pays the purchase option, or sell the car yourself and pay the financing or renew the lease. This type of credit allows you to repay when you want, whether partially or totally.

If you repay partially, the monthly payments or the repayment period decrease. However, subscribing to a balloon credit forces you to pay fairly high interest all the time you will have your car without ever paying back the principal.

You must know that at the end of the contract, you will have to start from scratch because you will not benefit from the contribution of the resale of your old car. This credit is interesting only for people who change car very often who are still looking to ride in new cars.

Be wary of prices

While it may be easier to buy a car loan from your dealer, it is strongly advised to compare prices at the time of the order and to make auto credit simulations on our site to choose the most advantageous.

The cost of the credit offers offered by the financial subsidiaries of the dealers is not always in your favor, with notable exceptions during the promotion period. Their financial partners often provide them with attractive terms and concessionaires will not necessarily be able to improve these already predefined terms.

You will then encounter great difficulties to negotiate the credit but nothing prevents you from carrying negotiations on the vehicle, including its price and options. If the offers are often standard, the seller will still have a significant margin of maneuver to make you a discount on the car.

The dealer having objectives to achieve, instead prefer the end of the month and end of year to negotiate the best price and options of your future vehicle.

In addition, if you already benefit from an optimized offer such as a call offer, that is to say that of advertising, the negotiation may be very complicated, if not impossible. In addition, the personal contribution that is asked of you will be more important.

However, do not hesitate to compare the dealership offer with that of other financial institutions. By playing with the competition, you can encourage the dealer to lower the interest rate.

Therefore, never accept the dealer’s proposal immediately. The tenders issued by the dealer are generally higher but may contain an extension of the vehicle warranty.

So it’s up to you to do the math to see if you’re doing a good job or if you’re more interested in getting a car loan from a financial institution, knowing that banks and credit organizations generally offer more interesting rates.

You must pay attention to the price of the car in case the dealer offers you a tempting offer like a zero rate loan.

Tell yourself that he has little interest in making such gifts and that this type of proposal can hide something else. If you take the time to compare prices and find that the car is priced higher than elsewhere, you should try to ask for a discount. The dealer should not refuse if he does not want to lose a good customer like you.

You are able to ask for a nice discount because you know the prices commonly applied and therefore the high price quickly turns into an advantage to simultaneously negotiate auto credit. In general, do not be seduced too quickly by promotions.

The rates displayed in advertisements apply to specific amounts and repayment terms. If your borrower profile does not exactly match the criteria listed, another less attractive rate will apply to you.

Most often, the rates put forward are only valid for very short repayment periods and therefore for borrowers with a large repayment capacity.

The commercial loan, complete guide

Préstamo mercantil Today we present this guide on commercial loans, where you will find what exactly is a commercial loan, its nature, taxation and taxation, its characteristics, types of commercial loans that exist, the loan contract, its parts and much more. We start

What is the mercantile loan

What is the mercantile loan

The commercial loan contract is one in which a person called a lender transfers the ownership of a sum of money or other fungible things to another person called a borrower, in exchange for the return of something of the same kind and quality or its equivalent in money.

Legal nature of the commercial loan

The Civil Code regulates the commercial loan in its article 1740 as a real contract so that the contract does not start until the good has been delivered to the borrower. However, the dispositive character of this legal norm that indicates the real nature of the loan is pointed out, this means that the parties can advance the beginning of the contract at the time of the agreement between them even though the asset has not yet been delivered to the borrower. In that case, the parties would be modifying the nature of the contract, which would be considered a consensual or personal loan

For a loan to be considered commercial and non-civil, it must meet two circumstances in accordance with article 311 of the Commercial Code and the following:

  1. One of the loan parties must be a merchant. For this purpose, a merchant is considered to be all the commercial companies and all the natural persons who, being able to trade, habitually dedicate themselves to it.
  2. Loaned things must be used in acts of commerce.

Taxation and taxation of commercial loans

Taxation and taxation of commercial loans

It is necessary to differentiate if the loan is granted by an individual or by a company in the exercise of its economic activity.

If the person lending the money is a private individual, the constitution of the loan is an operation subject to the Transfer Tax. If, on the other hand, the loan is granted by a company in the exercise of its activity, the operation will be subject to the Value Added Tax (VAT).

However, the Law on Capital Transfer Tax and the VAT Law include that loans made by individuals and companies in the exercise of their activity, respectively, are exempt from taxation.

In the case of loans secured by real rights such as the mortgage, they will always be exempt from the VAT and, also, from the Transfer Tax in the event that the loan is granted simultaneously with the creation of a guarantee. If the guarantee is not simultaneous to the loan, it will be subject to and not exempt from the Capital Transfer Tax that is applied to individuals.

Likewise, when the guarantees are registered in a public registry, such as the mortgage in the registry of the property, it must be taxed by ITP in the form of Documented Legal Acts.

Characteristics of the mercantile loan

According to the dominant doctrine, the commercial loan enjoys the following characteristic notes:

  • Transfer of ownership: the lender undertakes to deliver the property of the thing or money, and the borrower can dispose of the thing loaned by committing to its return in kind or its equivalent in money.
  • Main: it does not depend on another contract for its existence and validity, it has purposes and a life of its own.
  • Unilateral: it only produces obligations in one of the parties, the borrower; although if it is agreed between the parties it can also be considered bilateral.
  • Real contract: the effects of the loan do not arise until the delivery of the property is made.
  • Free by nature and onerous by exception: it is free because the borrower is not obliged to pay any consideration if it is not expressly agreed, although in commercial practice, the professional nature of the lenders derives to include the onerousness in the contracts.
  • Commutative: from the moment that the parties conclude the contract they know the charges and the liens that are determined in it.
  • Personnel: the relationship is established in consideration of the client’s personal circumstances.
  • Successive or instantaneous tract: the return of the borrowed thing, can be done in a single act or in several.

Classes of commercial loans

Classes of commercial loans

Four types of loans are distinguished according to different variables:

According to the nature of the thing borrowed

Three types can be differentiated in turn.

  1. The loan that has as its object money: the borrower receives and undertakes to refund a certain amount of money.
  2. The loan that has as its object specific securities or securities: the borrower must later return those securities for identical or equivalent ones.
  3. The loan for fungible items: the borrower must return the fungible item (merchandise, raw materials, etc.) in the same amount and kind unless it is impossible due to the expiration of the fungible item, in which case the refund will be made. cash value.

According to the duration of the commercial loan

According to the duration of the commercial loan

  1. Loan for a specific time: the one stipulated in the contract.
  2. Indefinite loan: 30 days from when a formal notification is made.

According to whether the borrower has to pay interest or not for the commercial loan

According to whether the borrower has to pay interest or not for the commercial loan

  1. Free loan: no interest is paid, it does not usually exist in practice.
  2. Loan onerous: interest is paid, is the most common.

According to whether the loan is guaranteed or not

  1. Loans without special guarantee.
  2. Secured loans (mortgages, personal guarantees, etc.): credit institutions usually require collateral. At this point, we would include loans with collateral securities, where the fulfillment of the obligations is guaranteed by a pledge on securities admitted to trading on the stock exchange or another official secondary market.

The content of the commercial loan contract

Within the content of the contract of commercial loans are indicated the elements of the contract as well as the obligations of the parties involved in them.

Merchant loan elements

Within the elements of the contract we find two types that in turn are subdivided into several more:

Personal items

  • Lender: individual or legal entity that delivers the fungible thing or pays the money.
  • Borrower: individual or legal entity that receives the requested thing or amount.

Real elements

  • Goods subject of the contract: they are the fungible goods or monetary amount on which the relationship of the contract is established.
  • Agreed term marks the duration of the loan and the exact date of its expiration.
  • Interests: if the loan is onerous, it is the sum that the borrower agrees to pay to the lender. They are legal if they are paid in the agreed form, and late or procedural if paid after the deadline.

Obligations of the parties involved in commercial loans

There are two types of obligations in relation to the two parties involved in commercial loans:

Obligations of the lender

Obligations of the lender

The lender is obliged to deliver the good to the borrower in the manner, time and place indicated, as well as to refer to the amount of the loan.

If the loan is money, the form is not problematic. On the contrary, you do have to stipulate in the contract if you deliver the loan in national or foreign currency. In the case of securities, the form of transfer thereof will be stipulated (account entry, endorsement of a bill of exchange, etc.). You can also agree that the delivery is made once or in several.

Obligations of the borrower

From the moment of delivery, it is when the obligations of the borrower begin to be demandable.

Obligation of restitution

The borrower or the person receiving the loan has the obligation to return at the end of the contract, a thing of the same kind and quality to the borrowed. This obligation to return is deferred, with the term determined in the contract.

If the contract does not specify any term, the lender must demand a notarial payment to the borrower, providing it 30 days (or 6 months if agreed between the parties) from such requirement to comply. If agreed between the parties, the lender may also dispose of the balance of the borrower’s current account at any time.

Another aspect that may differ is the repayment of the loan, the borrower may repay the loan early, saving the interest payment if it is stipulated in the contract. It can also be stipulated that the lender can terminate the contract in advance if the borrower has not paid the amounts owed or if it is declared insolvent.

Depending on the nature of the thing borrowed, the amount of the refund obligation may vary:

  1. If the loan is cash, the borrower must return an amount equal to the amount received according to the legal value of the currency at the time of the return. The legal value of a currency is not the same as the market value, so if there are variations between the two the lender may suffer losses or gains. If the loan has been agreed in foreign currency, the amount must be returned in that currency. If this is not possible, it must be returned in euros at the exchange rate on the due date.
  2. If the loan is securities or securities, the debtor must return the same class and conditions. If these have been extinguished, the parties may have agreed to pay the value of the same in cash. In the event that nothing has been agreed upon, the borrower must deliver other equivalent values.
  3. If the loan is in kind, they are usually merchandise, the borrower must deliver another of the same kind and quantity. If it had been extinguished, it would have to deliver its equivalence in money or stipulated in a pact between the parties.

The obligation to pay interest

The borrower only has to pay interest if it has been agreed in writing, although there are practically no free commercial loans at present. According to article 315.2 of our Commercial Code, “any benefit agreed to in favor of the creditor will be considered an interest”, so it is not necessary to mention the word “interest” in the contract so that it exists in a commercial loan, but it is sufficient If the borrower agrees, he must return more than the amount received.

Although the interests are framed within the scope of the free will of the parties, the law establishes the following limits to avoid usurious loans:

  • When the interest is significantly higher than the normal of the money and disproportionate in relation to the specific case.
  • When the conditions are injurious to the right of the borrower and all the benefits have an impact on the lender.
  • When it is considered that the amount delivered to the borrower as a loan is higher than the real one.

In the event that the payment is total, if the borrower does not pay the interest due at the end of the loan, the lender can accept the payment waiving the right to charge interest. The payments made by the borrower destined to settle his debt, are first directed to cover the interests and then the capital unless another destination of the payment has been expressed.

If the borrower has not paid his debt on the day of maturity, he becomes delinquent and has the obligation to pay default interest. This interest may be different depending on the purpose of the loan:

  • If the loan in monetary, the moratorium interest will be that stipulated in the contract or, failing that, the one stipulated in the Law of General Budgets of the State.
  • If the loan is of securities or securities, the interest rate will coincide with the profitability that they produce, or in their absence, with the legal interest.
  • If the loan is in kind, the interest rate will be a percentage of the value of the fungible thing. If that merchandise is extinguished, the experts will determine the amount of the late interest.

In the event that the borrower does not pay interest, the loan will accrue default interest through the anatocism pact, which means that the lenders can capitalize the liquid and unpaid interest, generating in turn new interest. In order for the anatocism pact to be valid, it must be expressly stated in the contract.

Formalization of commercial loans

Formalization of commercial loans

Commercial loans are formalized in writing in a contract that the lender provides to the borrower and that will depend on the type of loan that is going to be subscribed.

When presenting these loans with a level of risk, their formalization is usually required through one of the following instruments:

Policy intervened before a notary public (notary)

The contract is granted before a notary, mainly because it gives it executive force and makes it possible for the lender to claim the debt judicially in the event of a default by the borrower.

In some small business loans, the lender formalizes the loan in a private document without the notary intervening.

Public deed granted before a notary

For certain types of loans, the legislation requires this specific form of formalization.

Merchant loan contract

Each commercial loan contract is governed by the provisions agreed in each case by the contracting parties, although there is always a minimum content of mandatory compliance.

The parties may or may not anticipate the expiration date, interest, default interest, the possibility of repaying the loan, etc. In the event that any of these circumstances are not foreseen, the law determines them in a subsidiary manner. For example, if the term of the contract has not been determined, the loan will expire 30 days after the lender has notarized the payment to the borrower; if the interest rate has not been specified, the contract is subject to the legal rate of the money; if default interests have not been specified, it is understood that they do not exist; and if the contract does not mention amortization, it is understood that it can not be applied.

However, the following aspects are essential to determine the validity of the contract:

  • The identification of the parties and the ability to represent individuals with authorization to act on behalf of legal persons.
  • The legal capacity to contract the parties.
  • The object of the contract, where the specification must be indicated that something is lent for the subsequent return of something else of the same kind and quality. It is also necessary to indicate the characteristics and essential to identify the good or fungible object of the contract.
  • Date of granting the contract, from which the loan relationship begins.
  • Signature of the contracting parties.

Example of a commercial loan contract

Example of a commercial loan contract

Here is an example of a commercial loan contract with its normal content.

In MytripleA you can get a business loan for your business where private investors will lend you their money. Apply for your loan today and benefit from its advantages.

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