officers president’s message - mortgage bankers association · mortgage banking industry and has...
TRANSCRIPT
Happy New Year to everyone! Isn’t it great to put 2008 behind us? It was a year of problems and surprises few of us could have dreamed of two years ago.
On the production side, volume was better than many expected as everyone refocused on FHA, but markets continued to be stymied by the lack of a non-agency secondary market. On the servicing side foreclosures continued to rise, and to dismay of many, more than 50% of recently modifi ed loans became delinquent again. Many lenders are experiencing a wave of early payment defaults and underwriting guidelines continue to tighten.
Lenders have been buoyed by the year-end rally in MBS prices that has resulted in a mini-refi boom. But, as with the stock market, recent gains have begun to erode. As we look to the new year the uncertainty is compounded by a diminishing TPO market and the increased diffi culty of obtaining warehouse lines.
And if all this weren’t enough, The Texas Legislature is back in session. With thousands of bills being drafted, it is diffi cult to anticipate the problems that could be created for mortgage lenders, but we are sure to have many battles ahead of us.
The Board of Directors and Committe Members met in San Antonio and addressed many of these issues. Larry Temple and Ben Streusand introduced a representative of the Patriot Group to brief us on the four month public relations initiative they are creating. Chuck Klein lead a discussion regarding warehouse lines, and Larry Temple reported on the new licensing bill and other pending legislation. We know we need to have a strong, united voice with the legislature and I hope as many members as possible will join us in Austin for the SEO Conference on March 16th and stay for the legislative day that follows.
Please mark your calendars for the Secondary Marketing Conference in Irving on February 11th through the 13th and the Servicing Conference in Frisco on April 15th and 16th. Both these conferences are bringing great speakers and new ideas to help us all prosper in 2009.
All the best in the New Year!
Sincerely,
Texas Mortgage Bankers Association January | February 2009 Volume XVII Issue I
{President’sMessageS. Van Stewart
Off icers President
S. Van Stewart, San AntonioVice President
John Watson, HoustonSecretary/Treasurer
W. Scott Norman, AustinAssociate Representative
Jay G. Beitel, San AntonioPast President
Michael D. Minnis, HoustonPast President
Benjamin E. Streusand, HoustonExecutive Vice President
Lisa Vercher, AustinGeneral Counsel Larry Temple, Austin
DirectorsBarry R. Baker, CMB, Fort WorthRosemary E. Barbour, DallasTommy Bastian, AddisonBlane L. Bauch, Coraopolis, PARichard F. Comparato, IrvingClifton A. Crabtree, HoustonKerri Crabtree, BedfordTimothy Fisher, DallasDavid E. Frase, CMB, AMP, ArlingtonDana Gompers, CMB, HoustonJ. Kevin Gugenheim, Aliquippa, PACharles E. Klein, WoodwayMarc N. Laird, HoustonMichael Lima, DallasLarry B. Litton, Jr., HoustonGil Lopez, III, HoustonRob Macioce, SpringCalvin C. Mann, Jr., HoustonRobert D. O’Reilly, HoustonMark Raskin, AddisonRon Rogers, LubbockJoy Savage, HitchcockScott R. Valby, HoustonBilly F. Vaughn, DallasThomas F. Vetters, II, AustinRobert H. Wagnon, HoustonLance P. Welch, BoerneRob G. Wiggins, HoustonIan Wright, Dallas
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TMBA Mortgage Roundup January | February 2009 Volume XVII Issue I
Upcoming TMBA Meetings & Conferences
Southwest Secondary Marketing ConferenceFebruary 11 - 13, 2009Four Seasons Las ColinasIvring, Texas
Senior Executive Offi cers & Managers ConferenceMarch 15 - 17, 2009Four Seasons Hotel Austin, Texas
5th Annual Loan Servicing ConferenceApril 15 & 16, 2009Embassy SuitesFrisco, Texas
93rd Annual ConventionMay 3 - 5, 2009Hyatt Lost PinesBastrop, Texas
Summer Directors MeetingAugust 9 - 11, 2009Vail Cascade Resort
{
Texas Mortgage Lending Law & Practices Deskbook& SupplementSecond Edition
Is your TMBA Deskbook up to date? The 2008 Deskbook Supplement is ready to ship; so order yours today.A special thanks to members of the Regulatory Compliance Committee that make the Deskbook possible by volunteering their time and expertise. A complete list of Deskbook and Supplement authors can be viewed in the Acknowledgments section.
{
2009-2010 Offi cer & Board Nominations
At the Mid-Winter Board of Directors meeting held Monday, January 26, 2009, the Board elected to accept the report of the Nominating Committee. The nominations are as follows:
Directors re-elected with terms expiring in 2012: Rosemary Barbour, Beadles, Newman & Lawler, PCBlane Bauch, ServiceLinkDana Gompers, First Houston Mortgage, Ltd.Calvin Mann, Black, Mann & Graham, LLPMark Raskin, PrimeLendingRob Wiggins, Patriot Bank MortgageBilly Vaughn, Lawyers Title
New Directors with terms expiring in 2012: Judy Belanger, Cornerstone Mortgage CompanyKevin Gillespie, CTX Mortgage CompanyTom Tallent, Colonial National Mortgage
New Director with terms expiring in 2010: Susan Stewart, SWBC Mortgage Corporation
Associate Representative to the Executive Committee – Billy Vaughn, Lawyers TitleAssociate Representative to the Executive Committee – Billy Vaughn, Lawyers TitleAssociate Representative to the Executive CommitteeSecretary Treasurer – David Frase, Southwest Securities, FSBSecretary Treasurer – David Frase, Southwest Securities, FSBSecretary TreasurerVice President – Scott Norman, MetLife Home LoanPresident – John Watson, Countrywide Home Loans, Inc.
Pursuant to the Association Bylaws please be advised that the nominations will be closed unless other nominations are fi led with the TMBA offi ce at least thirty (30) days prior to the annual meeting of the members and signed by at least fi fteen (15) Regular members who are in good standing. The nominees will be voted on by the members of the Association at the annual meeting in May.
Notice to the Texas Mortgage Bankers Association Membership
TMBA Mortgage Roundup January | February 2009 Volume XVII Issue I
3
newTMBAMEMBERSMichael J. Schroeder
The Dallas Mortgage Bankers Association announced its 2009 President and Board of Directors. The new board of directors is as follows:
Offi cersPresident ................................................................................ Stephen BertrandVice President ......................................................................................Cliff LongTreasurer ...................................................................................Treasurer ...................................................................................Treasurer Rhiannon BolenSecretary .........................................................................................Liberty TribePast President ................................................................................. Julie Walker
Committee Directors Appraiser Liaison Committee ............................................................ Mark Bond Community Outreach Committee ....................................................Liberty TribeCompliance Committee ...............................................................Scott DrescherEducation Committee .................................................................... Lorrie NewbyEntertainment Committee .................................................................. Chris LongFuture Mortgage Leaders Committee ............................................ Jason GlaterHospitality Committee ........................................................................ Amy CokeLegislative Committee .................................................................. Tom KapioltasMembership Committee ................................................................Nancy CorlettPrograms Committee ...................................................................Craig SchrankPublic Relations Committee ................................................. Rosemary BarbourPublic Relations Committee .............................................................. Kyle KellerScholarship Committee ......................................................... Lisa Mesa-Rogers
DallasMortgage BankersAssociation
LOCAL MBAUPDATES
{Other UpcomingLocal Meetings &
Conferences
Austin Mortgage Bankers Association
Monthly LuncheonFebruary 4, 2009 | 11:30 am
The Austin Country Club www.austinmba.org
Dallas Mortgage Bankers Association
Monthly LuncheonFebruary 5, 2009 | 11:30 am
Prestonwood Country Club www.www.wwwdallasmortgagebankers.com
Houston Mortgage BankersMonthly Luncheon
February 11, 2009 | 11:30 amwww.houston-mba.com
Fort Worth Mortgage BankersMonthly Luncheon
February 18, 2009 | 11:30 amPetroleum Club of Fort Worth
www.fortworthmba.org
Fort Worth Mortgage BankersMonthly Luncheon
March 18, 2009 | 11:30 amPetroleum Club of Fort Worth
guest speaker: Van Stewart, TMBA
www.fortworthmba.org
{
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TMBA Mortgage Roundup January | February 2009 Volume XVII Issue I
second edition | Texas Mortgage Lending Law & Practices Deskbook
The Deskbook and the updated 2008 Supplement is an essential reference tool for any residential mortgage lenders, mortgage brokers, legal counsel, regulatory compliance officers, and members of other professions and trades that provide services to the residential mortgage lending industry.
The 2008 Supplement includes all updated legislative changes from the 2007 legislative session. If you don’t have the second edition of the Texas Mortgage Lending Law & Practice Deskbook, be sure to order the package and save!
Deskbook rates
Item description Member Non-member Quantity Item total 2008 Supplement 85.00 105.00 previous 2nd Edition purchasers
Deskbook & 2008 Supplement 225.00 245.00 includes access to online version
online version only 165.00 185.00
order total:
shipping & handling (hardcopy only): 12.50
subtotal:
sales tax (8.25%):
total due:
Payment Information (complete this section and send to TMBA)
Co
nta
ct firm contact name
address city state zip
phone email
Pa
ym
en
t
Check Visa MasterCard AMEX total due:
CC # expiration date CCV2#
card holder name signature
billing address (if different from above) city state zip
Send order and payment to: Texas Mortgage Bankers Association
823 Congress Ave, Ste 220 Austin, Texas 78701
or fax 512.480.8621
TMBA Mortgage Roundup January | February 2009 Volume XVII Issue I
5823 Congress Ave, Ste 220 | Austin, Texas 78701 | p 512.480.8622 | f 512.480.8621 | www.texasmba.org
LaVaughn Henry, Ph.D.The PMI Group, Inc, Director of U.S. Economic AnalysisDr. LaVaughn M. Henry is the Director of U.S. Economic Analysis for the PMI Group, in the Economics & Corporate Strategy Group. Dr. Henry is responsible for developing PMI’s economic, housing and mortgage market forecasts.
Michael FrancisExMor Capital Corp, PrincipalMike Francis has 23 years in the mortgage banking industry and is a co-founder of ExMor Capital. Mike’s experience ranges from hedging and trading, capital markets and risk management to operations, product development and servicing sale strategies.
Michael P. LauPhoenix Capital Inc., Executive Vice PresidentMichael P. Lau, Executive Vice President, has 18 years in the mortgage banking industry and has been with Phoenix for over six years.
Jeffrey M. LevineMilestone Advisors, Managing DirectorMr. Levine has completed over 50 mortgage banking corporate transactions in his career for clients including Royal Bank of Canada, Washington Mutual, Chase Manhattan, Wells Fargo, ABN Amro, Lennar Homes and Independence Community Bancorp.
Tom MillonCapital Markets Cooperative (CMC), President and FounderTom Millon is one of the top secondary marketing executives in the U.S. mortgage business, with over fi fteen years of mortgage experience and extensive relationships throughout the industry.
Joseph J. MurinGinnie Mae, PresidentJoseph J. Murin was sworn in as President of the Government National Mortgage Association (Ginnie Mae) on July 1, 2008. Nominated by President George W. Bush and confi rmed unanimously by the Senate, Murin will oversee Ginnie Mae’s mission to make affordable housing a reality for millions of low- and moderate-income households across America.
Frank T. PallottaSteel Curtain Capital Group, LLC, CEO/OwnerFrank T. Pallotta has spent more than 18 years in Mortgage Banking with Goldman Sachs, Credit Suisse, and most recently as Managing Director and co-head of Morgan Stanley’s Mortgage Conduit.
Renee SchultzFannie Mae, Vice President for Capital Markets – Lender ChannelRenee Schultz is Fannie Mae’s vice president for Capital Markets – Lender Channel. She reports directly to the senior vice president – Capital Markets. Schultz is responsible for oversight of Mortgage-Backed Securites (MBS) and whole loan trading relationships with single-family lenders as well as oversight of early funding.
��������
������������ 1:00 pm Registration 2:00 – 3:00 pm The Status and Outlook for the U.S. and Texas Economies, Housing, and Mortgage Markets LaVaughn Henry, Ph.D, 3:00 – 4:00 pm Recruiting Panel 2:00 – 6:00 pm Warehouse Panel - Managing Risk and Capital Markets 6:00 pm Reception
�������������� 8:00 – 9:00 am Registration & Continental Breakfast 8:50 – 9:00 am Welcome 9:00 – 10:00 am Capital Markets Update & Lender Trends Renee Schultz 10:00 – 10:15 am Refreshment Break 10:15 – 11:45 am State of the Industry, Mergers & Acquisitions Michael Lau and Jeff Levine 12:00 – 2:00 pm Lunch & Keynote Joseph Murin & Mark Woolverton 2:00 – 3:15 pm Best Execution Strategies for Maximizing Profi ts in the Capital Markets Tom Millon & Gary Manfredi 3:15 – 3:30 pm Refreshment Break
3:30– 4:30 pm Reverse Mortgage Panel evening event ..........Special Event
������������ 9:00 – 10:00 am Distressed Assets Frank T. Pallotta 10:00 – 11:00 pm Survive & Thrive in the Current Mortgage Banking Market Gregory Crosby, Elizabeth Cavanna & Sherry Jordan
��������
visit www.texasmba.org/secondary for updates and information.
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TMBA Mortgage Roundup January | February 2009 Volume XVII Issue I
mail registration form to TMBA, 823 Congress Ave, Ste 220, Austin, Texas 78701or fax registration form to 512.480.8621
register online www.texasmba.org/secondary
��������������������
Please copy and use one registration form per attendee.
first name last name middle initial
company title
mailing address
city state zip email
phone fax Are you a first time attendee? Yes No
TMBA | Southwest Secondary Marketing ConferenceFebruary 11 - 13, 2009 | Four Seasons Las Colinas | Irving, Texas
�����������������Please use one registration form per attendee
member $259 non-member $309 Red Cross Donation $5*
*Please add my $5 donation to American Red Cross to help them “Navigate Through the Storm” and TMBA will match this donation.
�������
CC number expiration date CVV2#
card holder first name last name signature
billing address (if different from above)
city state zip Total amount paid:
Check enclosed (payable to TMBA) AMEX MC Visa Total amount due:
Texas Mortgage Bankers Association | 823 Congress Ave, Ste 220, Austin, Texas 78701 | 512.480.8622 p | 512.480.8621 f
�����������������
�������������������������Four Seasons Las Colinas located at 4150 North MacArthur Blvd, Irving, Texas 75038. Surrounded by 400 rolling acres of North Texas hills, minutes from downtown Dallas, Four Seasons offers polished interiors, a TPC golf course, the finest sports club and spa in the Dallas area and superb function space.
Call 972.717.0700 to reserve your room.
Do you have any special needs addressed by the American Disabilities Act? Yes No – if yes, please attach a statement regarding any particular needs you may have and someone from our office will contact you.
Where did you hear about the Conference? TMBA website TMBA Newsletter Email Blast Trade Magazine Ad Other :
source: website source: newslettersource: website source: newslettersource: website source: newsletter
SEO
200
9
ScheduleSunday, March 15
morning ........ Golf
6:30 pm ........ Reception
Monday, March 16
8:30 am ........ Continental Breakfast
9:00 ....... Welcome & Opening Remarks
9:15 ....... Session
10:15 ........ Refreshment Break
10:30 ........ Session
11:30 or Noon ........ Lunch & Keynote
1:30 ........ Session
2:30 ........ Refreshment Break
2:45 ........ Session
3:45 ........ Session
5:00 ........ Reception with Legislators
Tuesday, March 17
8:30 ........ Continental Breakfast
9:00 ........ Legislative Orientation
10:00 ........ Capitol Visits
This conference brings in top industry players who speak about issues of importance to the senior and management levels of mortgage companies and their affi liates in addition to today’s legislative issues.
TMBA Mortgage Roundup January | February 2009 Volume XVII Issue I
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TMBA Mortgage Roundup January | February 2009 Volume XVII Issue I
Do you have any special needs addressed by the American Disabilities Act? Yes No – if yes, please attach a statement regarding any particular needs you may have and someone from our office will contact you.
Where did you hear about the SEO Conference? TMBA website TMBA Newsletter Email Blast Trade Magazine Ad Other :
��������������������
first name last name middle initial
company title
mailing address
city state zip email
phone fax Are you a first time attendee? Yes No
TMBA | Senior Executive Officers & Managers ConferenceMarch 15 - 17, 2009 | Four Seasons Hotel | Austin, Texas
�����������������Please use one registration form per attendee
member $229 non-member $279
������� Check enclosed (payable to TMBA) AMEX MC Visa Total amount due:
CC number expiration date CVV2#
card holder first name last name signature
billing address (if different from above)
city state zip Total amount paid:
mail registration form to TMBA, 823 Congress Ave, Ste 220, Austin, Texas 78701or fax registration form to 512.480.8621
www.texasmba.org/seo
Texas Mortgage Bankers Association | 823 Congress Ave, Ste 220, Austin, Texas 78701 | 512.480.8622 p | 512.480.8621 f
�����������������
source: newslettersource: newsletter
ScheduleWednesday, April 15th 5:30 pm ...........Reception Thursday, April 16th 9:00 - 9:45 am ............ Sessions 10:00 - 10:45 am ............ Sessions 11:00 - 11:45 am ............ Sessions 12:00 - 1:00 pm ................. Lunch 1:00 - 1:45 pm ............ Sessions 2:00 - 2:45 pm ............ Sessions 3:00 - 3:45 pm ............ Sessions 4:00 - 5:00 pm ... Super Session 5:00 pm ...........Reception
TMBA Mortgage Roundup January | February 2009 Volume XVII Issue I
9
Thank you Sponsors
Barrett Daffi n Frappier Turner
& Engel, LLP
Butler & Hosch
eMortgage Logic
MSI
Ruth Ruhl, PC
Michael J. Schroeder, PC
Servicing Management
Stewart Lender Services
USFN
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TMBA Mortgage Roundup January | February 2009 Volume XVII Issue I
�����������������������������
fi rst name last name middle initial
fi rst name last name middle initial
fi rst name last name middle initial
fi rst name last name middle initial
��������������������Please copy and use one registration form per attendee unless you are signing up as a group registration.
TMBA | 5th Annual Loan Servicing ConferenceApril 15 & 16, 2009 | Embassy Suites | Frisco, Texas
����������������� Individual $175 Group Registration (must register at least 4 additional employees) $135
*To receive the group rate, there must be at least fi ve (5) attendees from the same company registering at the same time. Use the section below to list the addtional four (4) attendees.
������� Check enclosed (payable to TMBA) AMEX MC Visa Total amount due:
CC number expiration date CVV2#
card holder fi rst name last name signature
billing address (if different from above)
city state zip Total amount paid:
mail registration form to TMBA, 823 Congress Ave, Ste 220, Austin, Texas 78701or fax registration form to 512.480.8621
Texas Mortgage Bankers Association | 823 Congress Ave, Ste 220, Austin, Texas 78701 | 512.480.8622 p | 512.480.8621 f
�����������������
fi rst name last name middle initial
company title
mailing address
city state zip email
phone fax Are you a fi rst time attendee? Yes No
Do you have any special needs addressed by the American Disabilities Act? Yes No – if yes, please attach a statement regarding any particular needs you may have and someone from our offi ce will contact you.
Where did you hear about the 5th Annual Loan Servicing Conference? TMBA website TMBA Newsletter Email Blast Trade Magazine Ad Other :
source: newslettersource: newsletter
TMBA Mortgage Roundup January | February 2009 Volume XVII Issue I
11
Why Advertise with TMBA? TMBA’s primary goal is to maintain
a presence as the leading trade association in Texas for the real estate fi nance
industry by identifying the needs of our members and furnishing them with
the tools necessary to advance their interests. To fulfi ll those needs, we offer
access to products and services giving our members every advantage to
improve his/her professional expertise.
texasmba.org web site advertising
The web site, updated frequently, provides mortgage banking representatives
with current information about the market and educational programs we provide
throughout the year along with other benefi ts and advantages of belonging to
TMBA.
Mortgage Roundup newsletter advertising
The TMBA newsletter, Mortgage Roundup, is produced six (6) times a year and
distibuted to more than 700 members.
Membership Directory advertising
TMBA Membership Directory is published once per year, mailed annually in
September and available to TMBA members only.
Increase your visibility within our industry and advertise with us today.
more marketing opportunities at www.texasmba.org
TMBA 2009 & 2010Advertising Options
12
TMBA Mortgage Roundup January | February 2009 Volume XVII Issue I
ImportanceTMBPAC is extremely important to the efforts of TMBA
to foster a healthy climate and sound system for the
mortgage lending industry
in Texas. Funds from the
TMBPAC are used primarily
to support candidates for the
Texas Senate and the Texas
House of Representatives (both
Republicans and Democrats)
who support the TMBA
philosophy.
We have the ability to support
candidates who share our
industry views. We have a
responsibility to protect not
only our businesses, but an
availability of competitive
mortgage money to our clients
and the consumers.
Decisions made by the State Legislature impact not only
your livelihood, but your customer’s access to mortgage
money. In order for our voice to be effective in the
legislature, we must be successful at raising funds.
TMBPAC is the vehicle for individuals to collectively
become involved in the political process in support of
issues important to our work and lives.
Get InvolvedYour TMBPAC contribution refl ects the commitment of our
industry statewide and works collectively with that of other
mortgage industry professionals to help
candidates favorable to our issues.
Help protect the mortgage industry in
Texas by making a contribution to the
TMBPAC today!
Visit www.texasmba.org/ for more / for more /
information or to donate. Contribution
forms are available onsite.
*All PAC contributions, like all other
political contributions, must be made
by individuals. Contributions can
be accepted from individuals, sole
proprietorships, partnerships and
other political action committees.
Corporation’s cannot fund TMBPAC.
Mortgage bankers who operate as
an individual or on an entrepreneur
basis can contribute in that individual capacity. All
political contributions are of public record and all PAC’s
are required to make periodic reports to the Texas
Ethic’s Commission of all contributions received and all
contributions made to candidates. A PAC can make a
contribution to another PAC unless it is precluded by its
bylaws or governing documents. Contributions made to the
TMBPAC are neither deductible as a business expense
nor as a charitable contribution. Make your contribution
online today!
We have a responsibility
to protect not only our
businesses, but an availability of competitive
mortgage money to our
clients and the consumers.
TMBA Mortgage Roundup January | February 2009 Volume XVII Issue I
13
sponsorship, advertising and exhibit opportunities also available.
www.texasmba.org/convention
Time to prepare for the next growing season...registration now available online at www.texasmba.org/convention
14
TMBA Mortgage Roundup January | February 2009 Volume XVII Issue I
before April 1st after April 1st before April 1st after April 1st handicap total amounthandicap total amount
Golf $160 $170
qty ordering total amountqty ordering total amount
Opening Reception* $50 per person $50 per person
Closing Reception* $50 per person $50 per person
President’s Reception* $75 per person $75 per person
Registration includes admission to all three receptions including guest if you purchase “with Guest” option. *extra tickets are available for receptions, however these tickets must be purchased by a convention attendee.
TMBA | 93rd Annual ConventionRegistration Form
Attendee Information
first name last name middle initial
company title
mailing address
city state zip email
phone # fax # Are you a first time attendee? Yes No
Payment
Check enclosed (payable to TMBA) AMEX MC Visa Total amount due:
Texas Mortgage Bankers Association | 823 Congress Ave, Ste 220, Austin, Texas 78701 | 512.480.8622 p | 512.480.8621 f
CC number expiration date (back of card) CVV2#
card holder first name last name *authorized signature
billing address (if different from above)
city state zip Total amount paid:
Event Tickets
before April 1st after April 1st before April 1st after April 1st total amounttotal amount
Member $395 $475
Non-member $495 $575
Member with Guest $520 $595
Non-member with Guest $665 $740
Guest name: *a guest is defined as signifiant other, spouse or an immediate family member not employed by your company or any other company in the mortgage industry.
Registration Fees
Where did you hear about the 93rd Annual Convention? TMBA website TMBA Newsletter Email Blast Brochure Other :
May 3 - 5, 2009 | Hyatt Lost Pines | Lost Pines, Texas
Mail registration form to TMBA, 823 Congress Ave, Ste 220, Austin, Texas 78701 or fax form to 512.480.8621 or visit www.texasmba.org/convention to register online and for more information.
source: newslettersource: newsletter
TMBA Mortgage Roundup January | February 2009 Volume XVII Issue I
15
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