Monday, April 11, 2016

A guide to vanishing island

You don’t need a tour guide to enjoy summer!!

Vanishing locally wara wara literally it vanishes during high tide and its seasonal during Amihan or the northeast monsoon. The wind from the pacific blew making the waves bigger and the wave bring the sand from the deep of the ocean to shallow waters their came the Vanishing islet. Now it’s an opportunity for us to enjoy it before habagat southwest monsoon blew again. So enjoy it till it last!

WHAT TO PREPARE.                                                                  
Since its an islet, absence of grocery store is expected.  First you have to prepare things like food to eat because there is no grocery or a sari-sari store in that place because it’s an islet. I highly recommend you to bring some  tap water to wash at least your face because salt water after it dried is sticky. And cloths for replacement of your swimming cloths a long sleeve dress is good for you to reduce the effect of sun burn. Don’t forget to apply lotion. 

How to get there.

 If you are from Legazpi  City terminal look for the passengers Van to Bacacay fare is 35 pesos only every van capacity is 12-14 passengers. You can option to get the number of the driver just in case go home late and no more van available. If all you are in the same passenger van you tell the driver to bring you in the Bacacay port usually van ends in the town proper only. In the port there are many passengers boat. Available but often times are fully book so I again recommend advancing renting or asking for the availability of the boat. There is no regular trip to vanishing island so you really need to rent. BTW before i forget passenger boat has passenger limit capacity is 25-50 they big enough with comfy seats and individual life jackets. For sea sickness those how are not use to it making your stomach full before leaving your house is a good idea not to vomit or you can take medicine to avoid it. Before leaving the port a regular routine inspection of the coast guard is expected.
Now at the venue.
You don’t have to wait until peak of low tide because it takes hours for full low tide. You can already swim in the shallow waters. Your group can avail the floating cottage they have cottages with tables 500 per table 2-4 tables every cottage. On the peak of low tide local villager put some foldable tent that’s also available for rental 300 pesos only.

Dos and Don’ts’
1. DON'T LITER ANY OF YOUR GARBAGE because it will automatically go the sea and will add up to garbage of our oceans. Be responsible enough especially the children you have with. 
2. Do not leave your children swimming alone. Vanishing island surrounding waters are deeper and sometimes strong wave can bring the kids those parts of the islet.


Some up!!
Van- 35 from Legazpi
Passenger boat – depends on the boat owner (agency tour guide charge higher) J
Cottage- 500-2000

I highly recommend MB Ramil and MB Dreamer Passengers boat.
 Contact number 09294589001.

Ann Curtis Wet look, No underwear?

Thursday, March 13, 2014

Profile of Taipan Andrew L. Gotianun, Sr.

The visionary who built a multi-billion business empire.

Andrew L. GotianunANDREW L. GOTIANUN SR. spent his teenage years salvaging ships in the Visayas to supplement the family income during and after the Second World War. After the untimely demise of his father, Gotianun found himself head of his family at the tender age of 20. It was a responsibility he took seriously.

The volatile nature of the shipping business, however, soon prompted Gotianun and his young wife, Mercedes, to explore other opportunities in Manila in the mid-50s. Armed with some borrowed money and a strong determination to succeed, the Gotianuns first ventured into second-hand car financing. Encouraged by their early success, the husband and wife team established Filinvest Credit Corporation, and later Family Bank and Trust Company (FBTC). Under Gotianun's stewardship, FBTC became one of the biggest financial institutions in the country in the 70s.

In the late 1980s, Gotianun made a strategic decision to concentrate on real estate. It proved to be a wise move as it gave Filinvest a headstart over the other real estate companies that eventually came into play. This company developed a landmark as the real estate industry was starting its meteoric rise. Today, Filinvest is among the leaders in the Philippine real estate industry.

Following the liberalization of the Philippine banking industry, Gotianun made a comeback in banking in 1994 through East West Banking Corporation. His diversified businesses today include power generation, construction and information technology. The Filinvest Group is now a multi-billion conglomerate.

Thursday, March 6, 2014

Tony Tan Caktiong and Jollibee Success Story

Tony Tan Caktiong’s Jollibee has been one of the most admired, most copied, most innovative and most professionally-run company here in the Philippines. It has been the number one fastfood chain overtaking giants such as Mc Donalds and Kentucky Fried Chicken or KFC.

How did a local jolly red bee knocked down a multinational red-haired clown named Ronald? Let’s see another inspiring story of the founder of one of my ideal businesses. With its success, a Jollibee franchise has now a tag price of P25+ Million (US$ 500,000+). Wow!

Tony Tan Caktiong’s Life and his Jollibee company is another rags to riches story of an entrepreneur that truly inspires everyone. Tony was the third of seven siblings born to poor parents who migrated from the Fujian province in China to look for a better life here in the Philippines. His father began as a chef in a Chinese Temple. Not later on his father was invited to open a restaurant business in Davao so the whole family moved south. All together, they helped one another in managing the restaurant business which in turn became profitable. This allowed young Tony to return back to Manila and pursue his course Chemical Engineering at the University of Santo Tomas (UST).

In 1975, Tony and his colleagues went on a visit to a Magnolia Ice Cream plant located in Quezon City and learned that it was offering franchise when he saw a poster for it. By the month of May, with his family savings, he took P350,000 to grab the franchise opportunity and opened two Magnolia ice cream parlors named Cubao Ice Cream House located near the Coronet Theater, and Quiapo Ice Cream House located beside the bridge – the one going to ilalim – near a Mercury Drug outlet. They all worked hands-on but as the business propels, they noticed they could not do it all so they started to set up an organization hired store managers, and trained people.

Tony started with just two ice cream. Then after two years, he offered chicken and hamburger sandwiches, because customers were telling them they didn’t want to be eating ice cream all the time. They prepared the food in the back kitchen, and soon noticed that people were lining up more for hamburgers than for ice cream. Then in 1978, when they already had six ice cream parlors, they asked themselves: “Why don’t we change into a hamburger house?”

That was also the time they decided to incorporate and realized thet they needed a brand name. They were looking for a symbol that would represent the group, and because Tony was very impressed with Disneyland characters, they decided on a bee. The bee is a busy creature that produces honey – one of life’s sweetest things. They thought it would be a very good symbol to represent everybody. They decided they would all be very busy and happy at the same time, because if they were busy but not happy, it wouldn’t be worth it. That’s why they put the word jolly and just changed the “y” into “i” to form a brand name – JOLLIBEE.

“It wasn’t long before we heard that the multinationals were coming in – including McDonald’s. Friends started asking us if we were going to get a McDonald’s franchise but I remember saying, if you franchise, you can’t grow outside the Philippines”, says Tony.

McDonald’s came in 1982, but they didn’t feel threatened because they were a little na├»ve and Jollibee was doing very well. They found McDonald’s to be very good at everything, but it didn’t know the local culture. They knew the Filipino’s taste buds and what he liked in food, so they offered him flavorful and good-tasting products. He likes pasta, so they started offering spaghetti. He likes chicken, so they came up with good fried chicken by mixing different flavors. They also knew something important all along: Filipino taste is sweet. This is very Filipino – very Asian. He said: “If we eat anything sweet; we don’t really think it’s sweet; but try giving it to a foreigner and they’d be surprised.”

Tony narrates: “Filipinos also like to smell their food before they eat it. They want to be sure it smells delicious before they take a bite. Sometimes they would open a kettle and say, what’s this? It smells good! This was proved by the Langhap-Sarap advertising campaign by Basic [Footcone and Belding]. They did it for us initially for the hamburger, and when it became successful, we started using it as a campaign slogan for the other products.”

It didn’t take them long to introduce new products when they were starting out. The family members would discuss what new products customers would like, and without much marketing they’d bring something out – like spaghetti. Tony’s sister is also a good cook, so she would come up with a new recipe, they would comment on it, and then she’d fix the recipe before they started offering it. “Before, it was simple. Now, there’s a formal structure. There’s a big Research and Development (R&D) department and a marketing department. The marketing department gets inputs from customers and the products they like, and then communicate that to R&D. R&D then develops it. We have an internal taste panel that taste the food and comment on it, and when a formulation is needed they do it. The next step is a consumer panel test. We have the product taste-tested by consumers, and if it’s okay, we test the product in a few stores. Before it was easy, but now it takes three to six months to roll out a new product. Another time-consuming process is training our people on how to prepare and serve the new product.” says Tony.

Jollibee group has also become bigger. Now they have Chowking, Greenwich, Delifrance, and the recently acquired Red Ribbon. Greenwich pizza started as an over-the-counter pizza store at the Greenhills Shopping Center in San Juan, Metro Manila, in 1971. One time, the founder approached Tony to ask if they were interested – at that time she has 50 kiosks and having difficulty managing the business – when she asked them if they were interested, Tony said, “why not? Let’s form a joint venture.” They took over the management in 1994, but they retained the taste of her products because it suits the local market. On the other hand, they took over Chowking in 2000 because Chinese food is also very popular among Filipinos, but there was no good company serving the market. So they took over and worked on it.

“Delifrance is doing so-so. And the reason is because we’re still not used to eating bread as a meal – therefore, the market is limited to the AB classes. It can’t grow into a mass-market type. Our latest acquisition was Red Ribbon Bakeshop last 2005 to include cakes, rolls, breads and pastries in their line of products. For us to sustain a good growth rate on a long-term basis, we have to continue acquiring businesses”, Tony relates.

They had to let go of Binggo. They found that the convenience store was in a totally different industry. At one time, they had around 20 stores, but they found it hard supplying them because the volume they were buying for them was just too small to attract good suppliers. They had to let it go.

They’re also bullish on China because they’ve acquired Yonghe King and its 91 stores. “It’s making money. So there’s no pressure to turn it around; the challenge is how to expand the brand. China is huge; it’s like having several countries in one country. If we do well, we can have several thousand stores there. If Jollibee has more than 500 stores for 80 million Filipinos, how many stores can you put up for 1.3 Billion Chinese? Kentucky Fried Chicken alone is opening 200 stores a year in China. It’s doing very well”, says Tony.

“Many countries share our taste in food, and the opportunity is in going to China, India and Indonesia- countries with large populations. We usually do a very broad 10-year horizon but it’s not detailed. We have a five-year plan, a three-year plan, and a one-year plan. We have plans for China and India, but if we want to go to India, we’ll need a long-term plan. We might have to start putting Indian people into the organization and it would probably take at least three years before we sent them back. In China, we had an opportunity to break into the market with Yonghe, but because our people didn’t speak the language, we had to hire translators to help us out. We still send our people there, but they have to work with translators. We also need good people here. We’re lucky to be the leader, but it’s still a competitive market. You can’t afford mistakes because customers will leave if they’re not happy with you. The food business is still very basic. It’s still about taste. It’s still about How did you serve me? Is your place nice? Am I treated well? Do I get value? If you think about it, if we’re going out to eat, these are the basic things we look out for, but the execution is the difficult part. It’s not like other businesses where it’s the concept or the knowledge that’s difficult. Here, there’s no secret; it’s very easy, but it’s the execution that’s hard. If you ask a lot of restaurant, they know all these things. Executing day by day is what’s hard.”, Tony continues.

When asked what’s the secret of Jollibee’s success, Tony says: “If you have to ask, the secret of Jollibee’s success is sharing. We share our success with people; we give good compensation; we share any honor that comes our way. Actually, this idea of sharing didn’t come from me. It came from a friend. He said: You know why you’re successful? You know how to share. A lot of people do not share, but in Jollibee you share a lot with your people.”

Truly, Tony Tan Caktiong is another exemplar example of an inspiring entrepreneur. He had all the achievements from Management Man of the Year in 2002 to an Agora Award for Outstanding Marketing Achievement, from a Triple A Alumni Award from the Asian Institute of Management to a Ten Outstanding Young Men Award for Entrepreneurship. And to cap it all, he also won the World Entrepreneur of The Year 2004 by Ernst & Young besting other 31 world entrepreneur competitors.

On July 25, 2007, Jollibee Group launched Tio Pepe’s Karinderia in EDSA Central in Mandaluyong, it’s pilot restaurant to professionalize Filipino’s “Carinderia” Industry.

As of 2007, Jollibee had under its wing 1,385 stores in the country: Jollibee (583); Chowking (367); Greenwich (237); Red Ribbon (163); and Delifrance (35)

Overseas, Jollibee Group has 174 stores: Yonghe King in China (102); Jollibee in US (12); Red Ribbon in US (19); Chowking in US (12); Chowking in Dubai (7); Chowking in Indonesia (5); Jollibee in Other Countries (16) and one Chun Shui Tang, a teahouse in Taiwan.

Source: Excerpts from Go Negosyo and Entrepreneur Magazine.

Saturday, December 28, 2013

R.A. 9505 An Act Establishing a Provident Personal Savings Plan, known as the Personal Equity and Retirement Account (PERA)

Republic Act No. 9505
An Act Establishing a Provident Personal Savings Plan, known as the Personal Equity and Retirement Account (PERA)

Be it enacted by the Senate and House of Representatives of the Philippines in Congress

SECTION 1. Title. - This Act shall be known as the “Personal Equity and Retirement Account (PERA) Act of 2008”.

SEC. 2. Declaration of Policy. - It is declared the policy of the State to promote capital
market development and savings mobilization by establishing a legal and regulatory
framework of retirement plans for persons, comprised of voluntary personal savings and
investments. The State recognizes the potential contribution of PERA to long-term fiscal
sustainability through the provision of long-term financing and reduction of social pension

SEC. 3. Definition of Terms. - Unless the context requires otherwise, the following terms
shall have the following significance as used in this Act:

(a) “Administrator” is an entity accredited by the Bureau of Internal Revenue (BIR), after prequalification
by the concerned Regulatory Authority. The Administrator shall be responsible for
overseeing the PERA, whose core functions shall include, but not limited to: reporting on
contributions made to the account, computing the values of investments, educating the
Contributor, enforcing PERA contributions and withdrawal limits, collecting appropriate taxes
and penalties for the government, securing BIR Income Tax Credit Certificates for the
Contributor, consolidating reports on all investments, income, expenses and withdrawals on
the account and ensuring that PERA contributions are invested in accordance with the
prudential guidelines set by the Regulatory Authorities.
(b) “Contributor” is any person with the capacity to contract and possesses a tax identification
number. The Contributor establishes and makes contributions to a PERA.
(c) “Custodian” is a separate and distinct entity unrelated to the Administrator, accredited by
the Bangko Sentral ng Pilipinas, providing services in connection with the custodianship of
funds and securities comprising the PERA investments.
The Custodian shall be responsible for receiving all funds in connection with the PERA,
maintaining custody of all original securities, evidence of deposits or other evidence of
investment. The Custodian shall operate independently from the Administrator. The Custodian
is required to report to the Contributor and the concerned Regulatory Authority at regular
intervals all financial transactions and all documents in its custody under a PERA.
(d) “Early withdrawal” shall pertain to any withdrawal prior to the period of distribution as set
forth under Section 12 hereof.
(e) “Investment Manager” is a regulated person or entity authorized by a Contributor to make
investment decisions for his PERA. As such, it shall assume fiduciary duty and responsibility for
PERA investments. An Investment Manager shall act with utmost fidelity by observing policies
directed towards confidentiality, scrupulous care, safety and prudent management of PERA
(f) “Personal Equity and Retirement Account (PERA)” refers to the voluntary retirement
account established by and for the exclusive use and benefit of the Contributor for the purpose
of being invested solely in PERA investment products in the Philippines. The Contributor shall
retain the ownership, whether legal or beneficial, of funds placed therein, including all
earnings of such funds.
(g) “PEW Investment Product” refers to a unit investment trust fund, mutual fund, annuity
contract, insurance pension products, pre-need pension plan, shares of stock and other
securities listed and traded in a local exchange, exchange-traded bonds or any other
investment product or outlet which the concerned Regulatory Authority may allow for PERA
purposes: Provided, however, That to qualify as a PERA investment product under this Act, the
product must be non-speculative, readily marketable, and with a track record of regular
income payments to investors.
The concerned Regulatory Authority must first approve the product before being granted taxexempt
privileges by the BIR.
(h) “Regulatory Authority” refers to the Bangko Sentral ng Pilipinas (BSP) as regards banks,
other supervised financial institutions and trust entities, the Securities and Exchange
Commission (SEC) for investment companies, investment houses, stockbrokerages and preneed
plan companies, and the Office of the Insurance Commission (OIC) for insurance
(i) “Overseas Filipino” refers to (1) an individual citizen of the Philippines who is working or
deriving income from abroad, including one who retained or reacquired his Philippine
citizenship under Republic Act No. 9225, otherwise known as the “Citizenship Retention and
Reacquisition Act of 2003”; or (2) the legitimate spouse, whether or not said spouse is of
Filipino ancestry, and the children of the Filipino citizen mentioned in item (1) hereof.

SEC. 4. Establishment of a PERA. - A Contributor may create and maintain a maximum of
five (5) PERA, at any one time: Provided, That the Contributor shall designate and maintain
only one (1) Administrator for all his PERA.
The Contributor shall make all investment decisions pertaining to his PERA. However, he bas the option of appointing an Investment Manager, either in writing or in electronic form, to
make investment decisions on his behalf without prior consultation.

SEC. 5. Maximum Annual PERA Contributions. - A Contributor may make an aggregate
maximum contribution of One hundred thousand pesos (100,000) or its equivalent in any
convertible foreign currency at the prevailing rate at the time of the actual contribution, to
his/her PERA per year: Provided, That if the Contributor is married, each of the spouses shall be entitled to make a maximum contribution of One hundred thousand pesos (P100,000) or its equivalent in any convertible foreign currency per year to his/her respective PEW: Provided, further, That if the Contributor is an overseas Filipino, he shall be allowed to make maximum contributions double the allowable maximum amount.
A Contributor has the option to contribute more than the maximum amount prescribed herein: Provided, That the excess shall no longer be entitled to a tax credit of five percent (5%).
The Secretary of Finance may adjust the maximum contribution from time to time, taking into consideration the present value of the said maximum contribution using the Consumer Price Index as published by the National Statistics Office, fiscal position of the government and other pertinent factors.

Sec. 6. Employer's Contribution. - A private employer may contribute to its employee’s
PERA to the extent of the amount allowable to the Contributor: Provided, however, That the
employer complies with the mandatory Social Security System (SSS) contribution and
retirement pay under the Labor Code of the Philippines. Such contribution shall be allowed as a deduction from the employer’s gross income. The Contributor, however, retains the
prerogative to make investment decisions pertaining to his PERA.

SEC. 7. Separate Asset. - The PERA shall be kept separate from the other assets of an
Administrator/Custodian and shall not be part of the general assets of the
Administrator/Custodian for purposes of insolvency.

Sec. 8. Tax Treatment of Contributions. - The Contributor shall be given an income tax
credit equivalent to five percent (5%) of the total PERA contribution: Provided, however, That in no instance can there be any refund of the said tax credit arising from the PERA
contributions. If the Contributor is an overseas Filipino, he shall be entitled to claim tax credit
from any tax payable to the national government under the National Internal Revenue Code of 1997, as amended.

SEC. 9. Tax Treatment of Investment Income. - All income earned from the investments
and reinvestments of the maximum amount allowed herein is tax exempt.

Sec. 10. Tax Treatment Of Distributions. - All distributions in accordance with Section 12
hereof are tax exempt.

SEC. 11. Termination. - Any premature termination shall be treated as an early withdrawal
under Section 13 hereof: Provided, That the penalties thereunder shall not apply if the entire
proceeds therefrom are immediately transferred to another PERA investment and/or another

SEC. 12. Distributions Upon Retirement/Death. - Distributions may be made upon
reaching the age of fifty-five (55) years: Povided, That the Contributor has made contributions to the PERA for at least five (5) years. The distribution shall be made in either lump sum or pension for a definite period or lifetime pension, the choice of which shall be at the option of the Contributor. The Contributor, however, has the option to continue the PERA. Complete distribution shall be made upon the death of the Contributor, irrespective of the age of the Contributor at the time of his death.

SEC.13. Penalty on Early Withdrawal. - Any early withdrawal shall be subject to a penalty,
the amount of which would be determined by the Secretary of Finance and payable to the
government: Provided, That the amount of the penalty shall in no case be less than the tax
incentives enjoyed by the Contributor.
No early withdrawal penalty shall be imposed on any withdrawal of any funds for the following purposes:
(a) For payment ofaccident or illness-related hospitalization in excess of thirty (30) days; and
(b) For payment to a Contributor who has been subsequently rendered permanently totally
disabled as defined under the Employees Compensation Law, Social Security Law and
Government Service Insurance System Law.

SEC. 14. Non-Assignability. - No portion of the assets of a PERA may be assigned, alienated, pledged, encumbered, attached, garnished, seized or levied upon. PERA assets shall not be considered assets of the Contributor for purposes of insolvency and estate taxes.

SEC. 15. Rules and Regulations. - Consistent with the policy of promoting transparency in
PERA investment and thereby affording protection to the Contributor, the Department of
Finance, the Bureau of Internal Revenue and the concerned Regulatory Authorities, with the
Bangko Sentral ng Pilipinas as lead agency, shall coordinate to establish uniform rules and
regulations pertaining to the following subject matters:
(a) Qualification and disqualification standards for Administrators, Custodians and Investment
Managers, including directors and officers thereof;
(b) Qualified and/or eligible PERA investment products;
(c) Valuation standards for PERA investments;
(d) Disclosure requirements on the terms and conditions of the PERA investments;
(e) Minimum requirements imposed on the Administrators as regards inculcating financial
literacy in investors;
(f) Ascertainment of client suitability for PERA products;
(g) Fees to be charged by the Administrator, Custodian or Investment Manager shall always
be reasonable and approved by the concerned Regulatory Authority;
(h) Record-keeping, reporting and audit requirement of Administrators and Custodians
pertaining to records for all contributions, earnings and total account balances; and
(i) Other pertinent matters to be determined by the Regulatory Authorities.

SEC. 16. Administration of Tax Incentives. - The BIR shall issue the implementing rules
and regulations regarding all aspects of tax administration relating to PERA. The BIR shall
coordinate the qualification standards of the Administrator with the Regulatory Authorities.

SEC. 17. Penalty. - A fine of not less than Fifty thousand pesos (P50,000.00) nor more than
Two hundred thousand pesos P200,000.00) or imprisonment of not less than six (6) years and one (1) day to not more than twelve (12) years or both such fine and imprisonment, at the discretion of the court, shall be imposed upon any person, association, partnership or
corporation, its officer, employee or agent, who, acting alone or in connivance withothers,
(a) Act as Administrator, Custodian or Investment Manager without being properly qualified or without being granted prior accreditation by the concerned Regulatory Authority;
(b) Invest the contribution without written or electronically authenticated authority from the
Contributor, or invest the contribution in contravention of the instructions of the Contributor;
(c) Knowingly and willfully make any statement in any application, report, or document
required to be filed under this Act, which statement is false or misleading with respect to any
material fact;
(d) Misappropriate or convert, to the prejudice of the Contributor, contributions to and
investments or income from the PERA;
(e) By gross negligence, cause any loss, conversion, or misappropriation of the contributions to, or investments from, the PEW; or
(f) Violate any provision of this Act or rules and regulations issued pursuant to this Act.
Notwithstanding the foregoing, any willful violation by the accredited Administrator, Custodian or Investment Manager of any of the provisions of this Act, or its implementing rules and regulations, or other terms and conditions of the authority to act as Administrator, Custodian or Investment Manager may be subject to the administrative sanctions provided for in applicable laws.
The above penalties shall be without prejudice to whatever civil and criminal liability provided for under applicable laws for the same act or omission.

SEC. 18. Abuse of the Tax Exemption and Privileges. - Any person, natural or juridical,
who unduly avails of the tax exemption privileges herein granted, possibly by co-mingling
PERA accounts in an investment with other investments, when such person is not entitled
hereto, shall be subject to the penalties provided in Section 17 hereof. In addition, the
offender shall refund to the government double the amount of the tax exemptions and
privileges enjoyed under this Act, plus interest of twelve percent (12%) per year from the date of enjoyment of the tax exemptions and privileges to the date of actual payment.

SEC. 19. Separability Clause. - If any provision or part hereof is held invalid or
unconstitutional, the remainder of the law or the provision not otherwise affected shall remain valid and subsisting.

SEC. 20. Repealing Clause. - All laws, decrees, orders, rules and regulations or parts thereof inconsistent with this Act are hereby amended or modified accordingly.

SEC.21. Effectivity. - This Act shall take effect fifteen (15) days following its publication in a
newspaper of general circulation: Provided, That the tax incentives granted hereunder shall
take effect on January 1, 2009.

Approved: Aug. 22, 2008 - 

Friday, December 27, 2013

PSE: EDGE new disclosure system

Dec. 27, 2013 lats trading day it go live the new online disclosure system of PSE. All listed company disclosures and announcements will no longer be updated in the PSE website. To view the latest disclosure reports it will be posted to new PSE EDGE website at


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