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By Tara-Nicholle Nelson | Broker in San Francisco, CA

7 Places Your 2013 Down Payment Might be Hiding

If buying a home is on your New Year’s Resolution list for 2013, know this: your biggest challenge will almost certainly be coming up with your down payment and closing costs.  

Whether you’re trying to scrape by with 3.5 percent for an FHA loan or you’re planning to put down a full 20 percent, saving for a down payment
might be the largest savings endeavor you ever undertake, after retirement planning.

But don’t let that daunt you. Look at it as more of a challenge or a game than a slow-slogging deprivation-driven chore. In fact, I suggest that you add something to your scrounging and saving:
scavenging. Finding your down payment money hidden in resources that are right in front of you can be a fruitful and fun angle to take on an otherwise overwhelming goal.

Use this short list of oft-untapped down payment treasure troves to open your eyes to funds that might be hidden in plain sight:

1.  Your budget’s biggest line items. I like to get maximum bang for my buck. And I like to enjoy my life, too, so depriving myself of little luxuries without getting much mileage toward my goal is definitely low on my savings strategies list. But I’ve often found that if you take your top 10 or so monthly expenses, there are almost always at least one or two that you could slash significantly or totally do without, push come to shove: all without feeling as deprived as you would if you cut your daily coffee.

Home buying is one of those push-meet-shove-type situations. If you’re serious about coming up with your down payment funds, sit down during your holiday off-days, and backtrack over your monthly budget (if you have one) or your last month’s checking account statements. Isolate your top 10 budgetary line items and do an internal gut check on whether there is anything on this list that you can slash or eliminate.

If this seems obvious or silly to you, don’t scoff before you give it a chance. I have seen buyers do this exercise and decide to:
  • move home or to a cheaper place to eliminate rent
  • go from two cars to one to eliminate a car payment
  • cancel cable or switch cell phone service providers to get rid of a hundred bucks or more every month,
pressing fast-forward on their down payment savings and home buying plans by many months, even years.

2.  Your bad habits. Have you heard yourself say - out loud or internally - I’ve got to stop:
  • smoking
  • drinking so much
  • eating out so much
  • eating so much junk
  • watching so much TV
  • drinking so many sugary coffee drinks
  • impulse shopping
  • OSUI:  Online Shopping Under the Influence (it’s a real thing - I promise!)
- or anything in that vein? Well, each of these are bad habits that cost. And because they are  often engaged in compulsively, they can cost much, much more over time than you have any idea you’re actually spending.  

Again, far be it from me to suggest that someone who works hard every day shouldn’t treat themselves to a coffee or lunch here or there. The fact is, if you deprive yourself too severely, there’s a good chance your efforts to cut back and save will be very short-lived, and possibly even backlash into binging behavior.  But if there’s a habit you’ve been wanting to change for health or other reasons that also costs you a pretty penny, you might find it easier to make those changes when you know you’re doing it in service of your vision of owning a home.

So, make a project of it. Figure out roughly what you’re spending on your bad habit, and set up an automatic saving transfer from your checking account into your down payment savings account. Then, get and leverage some habit-changing resources, like those at ChangeAnything.com or in one of my favorite books this year, The Power of Habit: Why We Do What We Do in Life and Business. Then, when you feel the compulsion to engage in your bad habit, come to Trulia instead and peruse new listings in the price range and neighborhood of your own target dream home - that will help you stay on track by staying mindful of what’s really important.

3.  Your stuff.  When you need to save money, there are really only two levers you can pull: you can spend less, or you can make more. Selling stuff you have and don’t use or need is a relatively painless way to make more money to go toward your down payment.  If you’re really serious about home buying, put everything on the table.

I’ve known buyers-to-be who sold any and everything, including:
  • cars and motorcycles
  • clothes, costumes, shoes and handbags
  • hobby-related gear (bikes, tools and even costumes)
  • furniture and antiques
  • and electronics, CDs and even books (think: TVs, computers, old smart phones, etc.)
to fund their down payment and home buying-related debt elimination plans.

Don’t underestimate the amount of cash you can bring in from the stuff you already own. Millions of home owners worldwide are now renting out rooms or floors of their current homes for short periods of time on sites like Airbnb and VRBO. Sites like Getaround and Zimride allow you to rent out the extra seats in your car - or the whole vehicle, if you’re not too faint of heart!  

4.  Your skills and time.  One way to make more money, as discussed above, is to liquidate the things you have lying around. Another way is to get to work! Spend your off-time, your evenings and weekends leveraging your professional skills or personal hobbies to bring in some extra cash. A friend of mine recently had a savings target she was trying to reach and actually sent her whole circle of friends an email detailing (a) what she was selling and (b) what sorts of projects she was willing to do to get there - she earned well into the four figures, in less than a month.

Maybe you can sew or knit stuff to sell on Etsy, grow things in your backyard to sell at the farmer’s market or, like one enterprising Mom I know, use your baking and cake decorating skills to monetize your kids’ classmates’ birthday parties. Or maybe you’re more interested in cooking, house cleaning, babysitting or dog walking - in fact, another acquaintance of mine has earned thousands of “extra” dollars dog sitting while she works at home. If that sort of thing is not up your alley, think about whether you can help people you know with their small business projects, like research, bookkeeping or office organizing projects.

Once you get serious about coming up with your down payment cash and decide to be creative about where to find that money, using your skills and your time creatively is a power-packed way to open the financial floodgates. Consider starting out with a simple email to your circle of acquaintances or by listing your services on a site like TaskRabbit.

5.  Your loved ones.  Some folks are fortunate enough to have cash-flush loved ones who would love nothing more than to help you have a home of your own. The best case scenario is to have some idea of what sort of gift money you can count on as far in advance as possible, as it will impact your own savings targets and your lender’s documentation requirements. If you have a parent, sibling or auntie who has mentioned their interest in giving you this sort of gift, it’s not bizarre to bring the subject up, express your gratitude and let them know that you’re planning to buy in 2013 so you can have a detailed conversation about logistics - including their financial, tax or estate planning pros, if it makes sense.

Alternatively, if your home buying plans are timed alongside your wedding plans, graduation plans or new baby due date, consider opening a down payment registry, so well-wishers can funnel their gift funds right into your real estate savings. For example, the federal Dpeartment of Housing and Urban Development (HUD) allows small gifts to be combined in a single savings account and eliminates otherwise onerous gift money documentation requirements with the FHA Bridal Registry program, which is available around weddings and “other legitimate occasions where substantial gifts are typically received by an individual or individuals.”

Touch base with your lender and agent to see whether there are any registry programs that might make sense for your situation.

Finally, buyers who decide to team up with their BFFs, siblings, parents or other loved ones to buy a place they can jointly own and/or live in might be able to structure things so that they have to come up with less down payment money than they would otherwise - the co-buyer comes up with the rest!  Think about whether this sort of arrangement might help you and your loved one accomplish your respective financial and real estate goals, in one fell swoop.

6.  Your employer. Believe it or not, some employers actually offer down payment and other forms of mortgage assistance to employees. In particular, universities and governmental agencies that employ first responders who are required to live locally for their jobs (e.g., police, fire and other emergency personnel) often have housing assistance programs that can include down payment funds or access to mortgage programs with lower down payment requirements.  

Even if you don’t work for one of these sorts of agencies, if you are relocating for work, touch base with your HR department to find out whether there are any relocation benefits that can help you make up the difference between the cash you have and the down payment you need to make your move.

7.  Your city, county or state.  What you’ve heard is true: there are few, if any, down payment assistance programs still available on a national level. But many states, counties and cities offer their own down payment assistance programs, which are generally available to folks falling into one or more of the following categories:
  • first-time buyers (people who haven’t owned a home in the area in the last 3 years)
  • buyers in low- or moderate-income brackets
  • or those buying homes in a particular part of town.

Your mortgage pro and real estate agent should be able to help you track down any such local programs applicable to you. In fact, this is one great reason to touch base with them at the beginning of your down payment savings adventure versus waiting until the end. But make sure you read up on the programs extensively before you decide to opt into one. Many of them run out of cash over the course of the year, so shouldn’t be counted on; others may require you to repay any assistance received if and when you sell or move - things you should keep in mind at the outset.

ALL:  What creative or aggressive means did you or your clients take to get their down payment savings on the fast-track?

ALL:  You should follow Trulia and Tara on Facebook!    


By Edyta Gryc - Broker Associate,  Wed Dec 12 2012, 18:21
Great blog as always.
By Krassy Doremus,  Wed Dec 12 2012, 21:42
Great advice!
By Sandra,  Thu Dec 13 2012, 10:10
where can you find a down payment .
By Marina Reyes,  Thu Dec 13 2012, 10:24
Its easy said but worthless doing . They are all statements -why not mentioned where to find the resources - name of the organization, address and phone number
By Eileen Alps,  Thu Dec 13 2012, 10:30
Because we couldn't sell our condo -anyone looking in Rogers Park? :) -we had to have my in-laws co-sign. Once we do sell, our mortgage broker can quickly remove them from the deed/loan. We also saved like crazy until we could put down 30% (and I did some quick credit fixes to get a really low rate). We definitely sold on eBay, among many other creative strategies. Just hoping' we sell soon -fingers crossed!
By Dianne Langston,  Thu Dec 13 2012, 10:37
You are such a wise woman. You dispense the advice of an "old sage". I found myself in so many of these examples, including selling off portions of my handbag collection!! Keep up the good work, and excellent advice we need so much!
By Cjmckinney,  Thu Dec 13 2012, 10:47
Good advice --potentially. But there are a few practical problems! You can't always sell your stuff -- in some areas nobody;s buying! Same with leveraging skills -- it only works if there's a market for what you do. As for Etsy? yeah, it works if you are a dedicated creator. But not necessarily for the casual crafter. Best bet? Combine strategies -- but don't expect too much help from some of these in raal life.
By Pamela Thomas,  Thu Dec 13 2012, 10:50
Your blogs are fabulous Tara! Very informative! If one really wants to buy a house, but is sort on the money for the down payment, this article gives them some very viable ideas. The potential buyer can find the resources through a good lender or Realtor who can guide them through to a successful transaction. This usually costs the potential buyer nothing since Realtors and Lenders do not get paid until the house gets sold. GET THE PROFESSIONALS TO HELP YOU! It is our job and we are happy to do it! If you believe you can you can. If you believe you can't you won't!.
By Fred Strickroot,  Thu Dec 13 2012, 10:51
Well put!
By Jackie Cuneo, Mortgage Advisor,  Thu Dec 13 2012, 11:00
Great ideas! Also try borrowing from your 401k (you can usually borrow up to 50% without penalty), cash value of whole life insurance, withdrawal from Roth IRA or your own IRA (*get your CPA's blessing!). With an FHA loan, your entire downpayment can be from a family gift. Closing costs can be paid with a credit from the seller (up to 3% of your loan amount or 6% on FHA). Thanks Tara--always fantastic tips.
By Azalia Joel PA., MA, SFR, CSSA,  Thu Dec 13 2012, 11:11
Thank you so much! You gave me wonderful ideas!!
By Kieran Campbell,  Thu Dec 13 2012, 12:00
Good ideas! Another one -- I'm always amazed at the number of people who have more taxes than necessary withheld throughout the year just so they can get a big income tax refund! It's "savings" without interest, but if it keeps them from spending it frivolously during the year, it's a good thing!
By ladydawnie,  Thu Dec 13 2012, 12:02
Thank you Tara! My husband and I are in the looking stages and these tips are great ideas. We will be utilizing many of them, Jackie Cuneo's comment was a wonderful addition as well.
Thanks for this article, I am a new fan.
By Russ Bergeron,  Thu Dec 13 2012, 12:03
8. Your MLS. If your MLS is like MRED, you have identified potential down payment assistance plans that match nearly 75% of your listings. Of course the buyer must also qualify. But we've already done the major legwork for you.
By Tom Inglesby,  Thu Dec 13 2012, 12:12
Great ideas, I think the fastest way to save money is stop eating out and buying a cup of coffee or a drink each day that really adds up.
By Royce Kemp,  Thu Dec 13 2012, 12:36
It wasn't explicitly mentioned, but paying down debt with the HIGHEST interests rates FIRST will help you get more mileage out of the same dollar.
By Dawn Niermann,  Thu Dec 13 2012, 12:40
Great blog!
By Sonsie Conroy,  Thu Dec 13 2012, 12:45
Eating out is definitely a killer for the budget. We've scrutinized this expense and reduced the number of meals eaten out to where we are saving at least $200 a month without suffering at all. We never were big on fancy coffee drinks, so I rely on the office coffeemaker and am pretty happy. All in all, cutting back on some of the big stuff really does work.
By Home Buyer,  Thu Dec 13 2012, 12:59
Thank you for great advice, and for your candor about those of us who overindulge and know it. You didn't reprimand, just gave a gentle nudge. How right you are about the beautiful and subtle ways in which we sabotage ourselves financially. I'm changing my phone plan right away. I'm just not sure I can give up my cheap champagne yet, though. :)
By Bill Walsh,  Thu Dec 13 2012, 13:05
Great Advice! everyone should look at things in their budget to adjust and add that extra found money to their principle and you would see how quick you can actually pay down that 30 year debt!
By Peggys,  Thu Dec 13 2012, 13:40
Well, most of the advice is good. But how about the advice of being realistic in the first place? Such as if you are a first-time home buyer why do you expect that it has to be your "dream" home. Most people today do not buy a house and stay there forever like our parents or grandparents did. Myself, I bought a home for $70,000. Put a little work/improvement in it and lived happily for 9 years. Sold it for $145,000 and used the equity proceeds for a down payment on a $275,000 house. Still in that one and doing great.
By morgansilk,  Thu Dec 13 2012, 13:41
There are a lot of us out there who have been there, done that, and are still sinking. Lollipops and rainbows.
By Liz,  Thu Dec 13 2012, 13:49
Something I did was call the internet and cable companies to see what they could do for me. Ultimately, they offered me a better deal, but not as good as the deal from another company. I went from paying $215.00 a month for cable and internet to $99.00 a month. HUGE. Plus I shopped around for car insurance and got a better quote to save another $57.00 a month. These combined, saved me $173 a month. Once you start this and then start looking at everything you can cut a bit here and there and before you know it you have extra to put toward savings.
By Clipperskipper,  Thu Dec 13 2012, 13:54
Nicely done.
By Leanne Brooks,  Thu Dec 13 2012, 14:42
Great reminders to help this REALTOR when consulting with buyer clients on how to build their pennies into dollars for down payment !!
By Myrajanlovett,  Thu Dec 13 2012, 14:54
I don't know if we will meet our goal of a home purchase in 2013, maybe by 2014. We will be 1st home buyers and hope to utilize any assistance available by then. Hope it last! For now, we are managing a small apartment complex. For every apartment I rent out, we get $100 rent credit. There are only 5 apartments and by early 2013, we could be living rent free. Our goal is to pay off our remaining outstanding debt, raise our FICO, and purchase a brick ranch with a good basement to renovate into an apartment. We hope to keep a good renter and apply the rent to our mortgage. Thinking outside of the box for retirement since we have had to live off our saving for a while. I don't have to be rich to be happy but just a comfortable modest home will do.
By Forrest Tucker,  Thu Dec 13 2012, 15:01
I am in the process of buying a home. Everything said for the most part is on point. I have been cutting back for about two years prior to buying. One thing that will cut the cost down even better is to disconnect or turn off power surges to tvs and all electronics while at work. I reduced that bill down about $20 per month. Now that I am close to the buying process I do not feel that it is a struggle to move in to my new place as well as affording a monthly mortgage. Great suggestions.
By Keith,  Thu Dec 13 2012, 15:49
No Lie--if you live in one of the 17 states that allow this, learn to grow medical marijuana! Its not hard. We are regular, educated, hard working people, but a small crop in a 4' x 4' area allow us to make about $30,000 extra a year. We have a side business producing edibles, deliveries, clones, hash, and growing consultation. You could make even more if you wanted, or scale down and produce just what you need. The key here is anyone can do this...and they aren't hard to grow--they call them "weeds" for a reason :-) There is a lot more to be said here, but maybe some of you can take this idea and run with it.
By Heather Presha,  Thu Dec 13 2012, 16:21
I'm definitely going to share this with ALL my buyers. Brilliant!! Thanks, Tara!
By Tania Gardere Macleod,  Thu Dec 13 2012, 18:36
So many of us need to be reminded of the small things and the huge impact they have to our bottom line and helping achieve our goals! I love it!
By O'shea,  Thu Dec 13 2012, 18:52
You know, I always thought about using my voice to earn extra money towards a down payment of my first home. I recently thought about that, and now, after reading your post, I feel that I was right. Thanks Tara!!. nice post....
By Marty Vanslette,  Thu Dec 13 2012, 19:15
I do all of these things, including selling on Etsy to make ends meet. I don't buy new socks or clothes and sew gifts for the holidays. When SallieMae wants $1200/month (and upwards $1800 in a few months because I'm out of options) toward the loans, a few dollars a month just doesn't cut it. All I can do is pay what I can and hope for the best. Fortunately I have a home and don't need a down payment right now. Sometimes as a treat I buy a Senior coffee and something off the dollar menu at McDonalds.
By Pollybug,  Thu Dec 13 2012, 19:19
Love this, especially saving money and improving health at the same time. Stopping smoking a pack a day saves > $3000/yr in costs!
By D'Evereaux Baum-Moore,  Thu Dec 13 2012, 19:23
Love this post! Great stuff to consider for buyers out there and everyone really!
By Scotti,  Thu Dec 13 2012, 20:13
Well, there are small and big options here. Here's a small one. I never use my change. I just dump it in a cigar box every day. Surprisingly, this adds up pretty quickly. First time I did it for a year, it garnered near 400 dollars. Penny saved, penny earned sort of thing. Another is like some here. I'm a smoker, and didn't want to quit, so I started rolling my own. Instead of the price for a carton, which can be in the 40-70 dollar range now, I make a carton for about 10 bucks. I save $200 a month, or $2,400 a year. Some may save more. I got a couple electronic cigarette makers and can whip out a pack in under 10 minutes. Powermatic II if you're interested. It's close to $100, but that pays for itself the first month. The rest is yours. Tune up your car, and you can take a little off the fuel bill. I got rid of a huge phone bill and went for a cable, phone, internet bundle. Saving about $70 a month there, and still watching all my fave programs and surfing and talking on the phone.

Just the phone and ciggie changes and that's 3,200ish a year. Surely that can get you on the road, eh? It has me.
By Donnaoverman10,  Thu Dec 13 2012, 21:15
easier said than done
By Lny Dri,  Thu Dec 13 2012, 21:49
Here is a add to bad Habits:
That gerontoloy get together format is bad for down-/-payment programs,, allot of in regards goes trans deductions. People tend to get lost. It is a personal economic error extremity as a reciprocal reconstituted hiding spot that conceals down--payment. It doesn`t clear debt`s and it gridlocks savings into the reliant downturn.

End the rainbow batteries! This Post is tremendous!
By Carol Gilles,  Thu Dec 13 2012, 23:31
What a great article! It's not just a matter of budgeting and reducing expenditures. It's a matter of choice ... and an attitude which makes saving to buy a home a bigger priority that many other "gotta have" expenses! I have shared this one. Thanks, Tara!
By Itsnotme1207,  Fri Dec 14 2012, 01:35
yup i've been doing almost all these since my home went up for sale. everything i own in the home is for sale, the truck is for sale and of course the home is too.

itsnotme1207 at yahoo
By Elizabeth McGregor,  Fri Dec 14 2012, 04:58
Great article! Useful information that can be appreciated by all buyers.
By Mike Hostetler,  Fri Dec 14 2012, 05:25
Once again Tara you have consisely outlined a great strategy for clients to follow in positioning themselves for a successful real estate transaction. I already know a couple of potential clients who will devour this information and hopefully follow it!

Keep up the good work! Thanks again.
By Ruth Ann Harvey,  Fri Dec 14 2012, 06:07
Excellent suggestions! Eating out is a big one for a lot of people. Also, selling things you have that are in your attic, stuffed in closets, etc. can really bring you some found money. Just be careful to take anything that you are not sure about the value of to an antique store so that you don't sell your Picaso for $5.00!!
By Helen Oliveri,  Fri Dec 14 2012, 07:00
Great tips Tara!
By Jim Simms,  Fri Dec 14 2012, 07:58
Personal property can be traded for real estate. I once traded a car for a lake front lot.

Trades can also be used for a down payment. If you need a spot price on bananas I stopped publishing them because not many sellers would take that many bananas, seems the shelf life is a big factor. But, if you Google “banana spot price” my site still shows up on the first page.

Tax refunds are a biggie in the first quarter.

Secured loans are allowed as long as the payment is included in the ratio calcs.

Lots and lots of questions about rent-to-own and lease options on Trulia, the rules on how rent is applied to a down payment are very specific, nothing like how most of the contracts are written. Many buyers think they can apply all of the rent as a credit towards their down payment and that will not work. Millions of dollars lost by buyers each year on this one issue.

Jim Simms
NMLS # 6395
Financing Kentucky One Home at a Time
By Michele Connors, Broker,  Sat Dec 15 2012, 06:38
Great conversation here..It is wise to know the local loan programs avail on the subject property/area. Seller contributions and gift. I also agree to not max what the lender qualifies you for- budget for harder times and having money to still save.
By Lonnie Glessner,  Sat Dec 15 2012, 12:26
Great ideas Tara! Here's one more I have used dozens of times--a car equity loan. For clients whose car is paid off or nearly paid off, local credit unions will often refinance the car and give them cash for the down payment. They don't have to sell their car this way and this source of cash is allowed by Fannie, Freddie and FHA.
By kellieetal,  Mon Dec 17 2012, 12:09
We have had to use the food bank for the last year, waiting for some critical financial word regarding the approval/disapproval of husband's VA disability compensation. We THANKFULLY had a decent saving's cushion when he was forced to retire earlier than planned. I was worried that using the food bank when we DO actually have some savings left was dishonest. But I was counselled that the community assistance was not only for those with no where left to turn, but also to assist those who ARE in the process of financial recovery and to help KEEP them from getting to the point where they have no other options. We know there WILL be an answer, we just don't know how long our savings is going to have to tide us over. We KNOW we will be selling our current home and moving across the country to a town where realestate is VERY cheap. In the meantime, we are making the best use we can of every available help, discount, bonus points, double coupons, free samples we can. We seek out free or cheap entertainment (like under $10 for our whole family). HUMBLING myself to accept offered help has been the hardest. We DO make a point of being 100% open with the kids about our situation, reminding them that there ARE people who are worse off, that it won't last forever, that we'll BE ALRIGHT. One of the best things I ever learned from my mom after my folks' divorce was just how LITTLE actually counts as a "need" and how to stretch dollars farther than one would think they could go. THRIFT STORES actually are (if you're very choosy) a GREAT source of very nice or even new clothing for kids who grow like weeds! Also, consider lowering your auto insurance deductible. If you don't already have one, a part-time job can help immensly. I substitute as a one-on-one student aid for the local school district. THAT job might not be for everyone's personality, but the school districts OFTEN have SUBSTITUTE or TEMPORARY positions in the cafeteria, the playground, transportation, custodial, computers/tech, safty/security positions. And if it's a substitute position and you're not able to work that day, you just don't sign up for a job that day.
By Sharon Engle,  Tue Dec 18 2012, 06:54
Interesting article!
By Unknown Name,  Tue Dec 18 2012, 17:04
You all are so right!! Has changed the way I will act now. As a jewelry shopaholic.. I GOTTA ACT LIKE THESE SMART PEOPLE NOW!!
By Peggy Wilcox,  Wed Dec 19 2012, 08:35
These are some really creative ideas! Great job as always!
By Eleanor Sams-Hurdle,  Wed Dec 19 2012, 15:09
Great ideas! I am a firm believer in people spend their money on who, what, when, and where they want. When one truly makes the decision of becoming a homeowner it is just a matter of when and where. They prioritize and everything else falls in place.
By Emily Medvec,  Thu Dec 20 2012, 04:28
These are all extremely resourceful strategies for any Santa Fe home buyer. I have found that when the entire family buys into the "dream" of their own home, the additional effort to save vs spend by everyone goes a long way to making the downpayment a reality. I will forward your blog to my sphere as it works for anyone wanting to "save" for something including a home or home repairs!
By Rachel Greene,  Mon Jan 21 2013, 08:14
On time and on target I will be passing this info foward.
By Voices Member,  Mon Sep 23 2013, 14:32
My down payment was actually hiding in my couch... who would have thought that!? haha Keep sharing, Tara! :) I came here because of veterinary services Gurnee, IL!

David | http://www.animalhealthclinicoflc.com/services.html
By Voices Member,  Mon Sep 23 2013, 14:38
If it wasn't for the Tallahassee, FL animal hospital, I would never have found this article! :) Keep sharing this with us! :)

David | http://www.amctallahassee.com

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