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HEALTH

Health Insurance- an Umbrella for The Rainy Days

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Health is wealth. This is one side of the coin. The other side is that you need wealth to recover from bad health.
No one can foresee an illness and sudden medical emergencies. A person finds himself/herself in deep waters when such a contingency arises. This is because medical bills are exorbitant and paying them without insurance is next to impossible for most people. Prescription drugs, hospital bills, maternity care, etc involve considerable monetary expenditures. Many people who did not take insurance for a rainy day have landed in debt due to improper health care management. Uninsured medical care can not only be financially taxing but may also spell doom in a family.
This is the reason why more and more people are opting for the protective cover of health insurance to ensure health and financial security. Health insurance helps to provide protection against the possible health problems that could happen in the future. The insured person needs to pay a ‘premium’ periodically.

The process of availing health insurance requires filling up of an application form. You need to provide some documentation about your finances. You can cover the health insurance needs of the entire family, including dental care, eye care, doctor visits, emergency care, prescriptions, etc.

Health insurance costs are rising day by day. It is becoming increasingly difficult for people to afford health insurance. However, it is not possible to forgo it. There are some affordable solutions. People with low income can qualify for a Medicaid program. They need to visit the local Division of Family Services office to get an application.

How to avail a cheap health insurance?

The costs of health insurance plans vary. So, a thorough research is essential before you choose a particular plan. It is a smart idea to find out how long the insurance company has been in business. Make sure that the company yo select is licensed in your state.

The medium of Internet provides a good platform to search for cheap insurance plans. You can compare numerous plans before you select one for you.

Beauty

How to Treat Impure Skin and Cure Pimples

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Many young people suffer during puberty from pimples, blackheads and impure skin. Over the past few years the number of teenagers that are suffering from acne has doubled and it’s mainly due to bad eating habits, dirt on their skin, hereditary and hormonal imbalances. Therefore not only the predisposition plays a role, but also the external circumstances and personal habits.

Acne is one of the skin diseases that occur most frequently. Like any other disease and they should be treated medically if it has reached a certain level of severity. Here, the rule of thumb is the sooner, the better! A cure for pimples isn’t that easy to find as you may already know conventional medications and lotions will NOT work. So do not wait too long before you consult a dermatologist. Before starting treatment, you should be aware that you will need patients. Short-term or quick results are not feasible, certainly not if they are to last longer. Most treatment takes several months to years, however a natural treatment can work wonders and they’re more recommended.

Due to the different treatment options that exist, and the efficacy that is different for each patient, a doctor should contribute his expert advice. Own tinkering is usually futile and often cause scars. Acne and pimples can be treated internally and externally. How to carry out the treatment usually depends on the severity of acne and on each individual patient.

It is also important that the skin is properly cleaned daily. For this you can use different cleaning products that match the individual skin type. Wash your face regularly with warm water and face wash, and pat it dry with a clean face-towel every time.

Externally are often used peeling agents such as Vitamin A acid or Benzoyl Peroxide. Also increased scaling may occur. This so-called healing crisis and it occurs because the skin is irritated by the new treatment. As a conclusion, conventional lotions and medications are only a short time relief and not a permanent cure.

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Beauty

Simple Opalescence Teeth Whitening System Directions

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Opalescence teeth whitening system comes in kits that are for use at the dentist’s office, for the consumers to use at home, or for use during traveling, and then there is a kit for maintenance. The whitening ingredient in the Opalescence for home uses is carbamide peroxide. It is a lower dosage version of hydrogen peroxide, about 18% of the strength. Consumers can leisurely use the teeth whitener over a period of time, instead of visiting the dentist.

Depending on which Opalescence teeth whitening product that you are getting, you might have to get your teeth trays made at the dentist’s office. Your dentist can take an impression of your teeth, and have trays ordered for you. Custom teeth whitening trays fit your teeth perfectly, and ensure the maximum contact of the Opalescence bleaching gel onto the surfaces of your teeth.

If you are using an Opalescence teeth whitening system for home use, you need to brush your teeth before applying the Opalescence gel onto your teeth. You can use a Rembrandt or a Colgate teeth whitening product for better result. Dry you teeth before the application.

Make sure your teeth trays are clean and dry, apply Opalescence gel onto the bottom and top trays of the front teeth sections. Excessive application of the gel would cause spillage over the edge of the trays, and could cause irritations to the gums. One can use some tissue to clean up the spillage to avoid discomfort. The trays could be worn overnight if one is using a low Opalescence concentration, such as a 10% gel, or a 20% gel. When you’re done, or when your teeth become too sensitive, remove trays, brush and rinse teeth. Wash trays and leave them to dry. Repeat the process daily until the whiten result is achieved.

Opalescence teeth whitening system directions are not that hard. Yet you have to use the trays, and deal with the gel, and clean up the trays. The initial cost of the Opalescence teeth whitening system is affordable, but you have to pay for refills for the continuous maintenance.

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Beauty

Top 5 Natural Face Packs To Remove Wrinkles

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Here are 5 amazing homemade face packs that will help to reduce wrinkles from your skin. Have a look.

  • Homemade Lemon Juice And Egg White

By tightening the skin, the protein present in egg whites reduces wrinkles and improves its elasticity. Break an egg in a bowl, remove the yolk and mix the egg white for 5 minutes. Then add one teaspoon of lemon juice to the egg white. Apply this face pack on your face gently and rinse it off from your face using warm water after 15 to 20 minutes.

  • Homemade Apple Face Pack

Vitamins A, C & E are some of the antioxidants which are found in apples and these play an important role in our quest to achieve younger skin. Premature arrival of wrinkles is also prevented by these antioxidants. Boil an apple and allow it to cool down, mash it after removing the seeds and make a paste, and the add milk powder and honey in the paste. Apply this pack on your face and wash it with cold water after 15 to 20 minutes.

  • Homemade Honey And Papaya Pack

Vitamins A, C and E are found in abundance in papaya. You can reduce the signs of ageing like age spots and freckles by using a face pack of papaya and honey. Make a paste of papaya by mashing and then add some honey into it. Apply the paste on your face and wash it with water after 15 to 20 minutes.

  • Homemade Lemon And Honey Face Pack

Lemon juice provides nourishment to dry skin and a healthy, natural glow. Honey is known for increasing skin’s capacity to preserve moisture. Mix a tablespoon of lemon juice and honey each and apply on your face, then wash it with cold water after 15 to 20 minutes.

  • Homemade Cucumber Face Pack

The antioxidants present in cucumber will help you to fight wrinkles. Take a fresh peel of cucumber and grate it properly, then pour 1 teaspoon lemon juice and 1 egg white into the bowl of grated cucumber and make a mixture. Apply this mixture on your face and wash it with warm water after 15 to 20 minutes.

Wrinkles and fine lines develop commonly on our face due to reasons such as ageing or exposure to ultraviolet rays coming from the Sun. Nowadays, you can easily find many beauty products & creams being sold in the market that claim to reduce the signs of ageing.

However, if used in the long run, then many of these beauty products could have a negative effect on the skin. Apart from getting skin treatment, you can also opt for natural remedies to achieve healthy, glowing and youthful skin.

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Beauty

3 Aesthetic Beauty Tips For Achieving and Maintaining a Youthful Rejuvenated Skin

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As we age and are exposed to free radials from the sun, environmental toxins and the aging process, our smooth, soft, vibrant and tight youthful appearance often evolves into fine lines, wrinkles, hyperpigmentation spots, sun spots and often enlarged pores with a rough and dry skin texture. It is easy to be confused by all the anti aging skincare products and claims for breakthrough anti aging treatments.

These 3 tips will help you to understand your options for skin rejuvenation and a total facial renewal without invasive procedures or using products that can actually cause more damage in the long term.

Aesthetic Beauty Tip #1:

Medical grade skin care products are your safest and most effective choice. Many products are not carefully regulated by the FDA and include ingredients that can actually harm your skin. Choose only skin care products made with all natural ingredients that are selected for your specific skin type and needs. This should be determined by a qualified aesthetic practitioner after a careful skin evaluation. Product lines like Obagi Skin Care products and the AFA Amino Acid line by Biopelle are excellent choices.

Aesthetic Beauty Tip #2:

Non-invasive laser skin care treatments can be a remarkable anti aging solution for tightening and rejuvenating the skin. This safe, comfortable technology can be used on the face, neck, hands and other areas of the body and has many applications for anti aging and other beauty treatments, many of which are not offered by cosmetic surgery procedures and injectable fillers such as Botox. Laser skin care treatment offers dramatic anti aging benefits including skin rejuvenating color correction, skin tightening and wrinkle reduction. Laser treatments correct uneven skin tone and eliminate such imperfections as brown spots, sun spots, age spots, red blotches, multiple freckles and rough texture. Other improvements include clearing of problem acne and reducing the flushing red, ruddy complexion of Rosacea. Laser skin treatments can reduce broken capillaries, spider veins of the face and other vascular-based conditions. After a treatment regimen that may range from 5-7 treatments, sun damage and visible signs of aging are significantly reduced, restoring a youthful, clear and radiant complexion.

Aesthetic Beauty Tip #3:

Self treatment for anti aging and skin rejuvenation can limit your results and lead to more problems later on. This is why careful evaluation by a skilled aesthetic professional is highly recommended. With advanced equipment and examination techniques, a trained practitioner will determine the best course of treatment that is likely to produce the best results for achieving your goals. Sometimes skin care products alone are enough while other times your needs will be better met with a combination of laser treatment and a regimen of pharmaceutical grade skin care products.

Before you reach for that product on the shelf, consider finding a reputable skin care professional who can offer you the safest and most effective skin care technologies, techniques and products for reclaiming your most youthful and beautiful skin.

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Beauty

Wellness Is a Business Decision

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No matter how what industry you are in, your people are an asset. I would be willing to bet that your people are your most valuable asset. Where would your business be without your people? What would happen to your business if all of your people disappeared? Worse yet, what would happen if you didn’t take care of them and they broke down?

This question may sound ridiculous, but think about it this way:

You have a maintenance plan for your equipment. You know that if you don’t take care of your equipment, it will break down. You also know that it is far more expensive to do major repairs or replacements than it is to keep up the routine maintenance of your equipment. People are no different. It is far more expensive to wait for major health issues and fix your employees than it is to help them with their own routine maintenance.

The fact that people make businesses go is not a new concept. What’s new is the approach that businesses are now taking to make sure that they are investing in keeping employees running smoothly rather than waiting for problems to fix. The concept has been in place with equipment and machinery for years, but now companies are seeing that their employees are even more valuable than the equipment they are using. They are skilled and able to use things with precision for your business if they are healthy. If they are not healthy, they are not able to do their jobs and therefor the equipment they are using is less valuable.

Not only is an employee far more valuable because of their skills, but they are far more productive when they are at full capacity. Just like the machine that hasn’t been cleaned in a while, employees slow down when they are not “maintained”. Now, many would argue that it is up to each employee to maintain themselves, but the environment they are in is a major factor in how they are able to do that.

Speaking of environment, there is one thing that everyone in your workforce has in common. They are using a valuable and very expensive resource that your company has generously provided. That resource is the benefits plan. They have health insurance to take care of them and to take care of their families. This is not a free resource to most employees in this day and age, but it is still a heavy burden for any company to provide benefits for employees. There are few things you have to do in order to make sure that your health plan (or any system) is as effective as possible:

Training

Teaching employees the best ways to use the plan so that it is cost-effective for the company and for the employee is a smart way to operate. You wouldn’t turn someone loose with a new piece of expensive equipment with our proper training. Why do we provide health benefits without proper training on how to use it?

Accountability

When you train employees, you are holding them accountable for their actions. When an employee’s actions have a negative impact on the company, there are consequences. When you know very clearly that something will cause a negative result in your company, you communicate very clearly so that people are not doing it and if they do they are going to be held accountable. You wouldn’t sit by and watch employees cause damage to any part of your business and cause costs to increase. You would train them not to.

The Connection between People and Business

Wellness is simply the training that your employees need to keep the health plan running smoothly. Wellness mitigates risk and future costs. Wellness is what your health plan needs in order to stop the steady increases each year. Employee health has a direct impact on the plan and the costs, which makes this a serious business conversation. Employees want to live healthy and your company can support them and see positive results on the bottom line and in many other areas, which makes this a people conversation as well.

Health and healthcare are all about your people. You provide them benefits to help them in their personal lives. You provide benefits to keep good people employed and seeking employment at your company. You provide benefits, for the same reasons you do everything else in your business. You want results.

You get many results from your benefits. Those results all depend on what you invest. If you invest nothing other than premiums, you get claims and you get to pay premiums again next year. You are likely paying more each year too. If you invest in employee health, you are able to see improvements in employees, reduction in claims and in turn, your company benefits in multiple ways.

In other words, wellness provides you with results that affect both your employees and your company as a whole. In fact, they are intertwined. As you help your employees reach their goals, they are becoming more engaged, productive and seeing results that make them feel and perform better. As these changes continue, you are seeing better use of the plan and fewer health issues which leads to decreased costs. Wellness is a people decision with business results. Meaning, your health plan and how you manage it is a serious business decision.

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Beauty

Free Beauty Tips

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Hair products, lotions, potions, cosmetics can really put a dent in your wallet. We all want to look our best, but are there ways to invest in our appearance without breaking the bank? If you’re looking for some free beauty tips read on – you’ll be amazed at some of the things you probably already have in your kitchen that can really boost your beauty quotient.

Salon-quality shampoos and conditioners are expensive, and generally for good reason. They contain high quality ingredients and many are made from organic or natural plant sources. Cheaper brands are certainly an option, but some can dry your hair or strip your colour faster. Do you know you can actually make your own shampoo at home? You need to invest in some liquid castile soap, but other than that, you likely have the rest of the ingredients in your kitchen. A good basic recipe is: ¼ cup castile soap (unscented or choose your favourite scent), ¼ cup distilled water, and half a teaspoon of olive oil. Keep in a plastic bottle and shake before using. If you want to add essential oils, put a few drops in before use. Your hair will feel wonderfully light and soft.

A terrific homemade conditioning treatment is also easily whipped up at home. Scoop out a ripe avocado and add a small jar of real mayonnaise and mix them (use your hands!) until blended. Work it into your hair from root to tip, and cover your head with a shower cap. Putting a warm damp towel over the shower cap intensifies the conditioning. Leave on for about 20 minutes then rinse with warm water. Doing this once a week or so will nourish and strengthen your hair.

Applying honey or plain yogurt directly on your skin makes an excellent anti-bacterial face mask. Rinse gently with warm water and you won’t believe how soft and supple your skin feels!

Speaking of water, here’s the easiest free beauty tip of all: drink more of it! We all know we should, but it’s easy to forget our 8 to 10 glasses a day. I know that it’s been said lately that we don’t actually need that much, but I really notice a difference when I’m drinking a lot of water. I feel so much better – probably because I’m not reaching for another cup of coffee when I have a glass of water in front of me all the time. Now that bottled water is passé I keep my stainless steel drinking bottle with me all the time. I refill it wherever I go and just having it there helps me remember to drink. I’ve found it reduces my desire to snack, as it is really filling. My skin feels and looks better, and it also really helps with bloating. Your body doesn’t retain water if its getting lots of water, ironically. When you’re feeling puffy drain a few glasses. You’ll notice the difference.

I hope these free beauty tips help you save a bit of money without skimping on quality treatments for your hair and skin! Treat yourself to organic, natural products that you can easily make yourself, and you can control what goes in and on your body.

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Beauty

Beauty Tips for Luscious Lips

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The last step in your makeup regime is lipstick application. Some women say if they could have only one beauty item it would be lipstick. Lip color brings the whole look together to create harmony. To keep your lips looking perfect, have lip color with you at all times and reapply when needed.

When you select a lip color take in consideration your clothing and blush colors. The color of your clothing and blush should complement your lipstick but doesn’t have to be perfectly matched. However, the colors should be in the same intensity and range. Wear cool colors together and warm colors together. Pink lipsticks go with blue and pink colors and corals and russets go with clothing that falls in a yellow/orange range.

Steps to apply lip color:

1. Prepare your lips by applying foundation over them (this will extend the wear).

2. Outline and define the shape using a lip pencil that has soft, pointed top. Start at the V in your upper lip drawing down to the corners. Then, starting at the middle of the bottom lip draw a line to the corners. To help lipstick stay on longer, use your pencil to cover the lips entirely.

3. Fill in upper lip with lipstick or you can use a lip brush.

4. Fill in the lower lip and then blot with a tissue and reapply.

5. Dab gloss in the centre of your lower lip to create a fuller more glamorous look.

When defining the lips with a lip pencil be sure the pencil and lipstick colors are very close. The lip liner should not be noticeable. Lip liners are meant to keep your lipstick in place, keep lipstick from bleeding, define the shape and help them look more natural. Do not try to change the shape of your lips by going outside the natural line.

* Dark lipsticks will make small lips appear smaller.

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Beauty

Summer 2012 Make Up Trends

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This summer, the warm months will bring with them make up trends that are fun, feminine and energetic. We’ll see colors like coral, orange, pastels and metallics making their appearance on the runway and amongst celebrities and other fashion icons. This summer, you’ll see lighter colors on the lips paired with dark smokey eyes. Be ahead of the game and get your summer beauty essentials early. Below are a few make up trends you’ll see making a big his this summer.

Pastels: Pastel shadows will be popular this summer, with colors like baby pink, blue and purple. Pastel eyeshadow with a little shimmer is best, and looks better and stays on longer when applied on top of primer. Pair it off with just a little liner for a complete look. Get your pastel eyeshadow from a wholesale cosmetics retailer so you can get a large selection for a fraction of the cost.

Flushed Cheeks: Summer make up trends of the past have been bronze and tinted cheeks, but this summer say hello to more natural pink hues. If you have darker skin, you can opt for a darker blush, but still try to still to a color in the pink family. If you want to add some color to your face, use a tinted moisturizer and apply the blush on top. This will give your face that warm summer glow and will keep the blush on longer. You can also add a little shimmer to your cheek bones for a night out.

Metallic Colors: Have fun with your eyes this summer and explore metallic colors in silver, gold, green, blue and purple. Adding these gorgeous colors on your eyes with shadow and liner puts all the focus on your eyes, so go easy on the rest of your face with softer lips and cheeks. Like the pastels, these are great cosmetics to get wholesale so you can order a large selection and have fun mixing and matching the colors.

Orange and Coral Lips: Coral is a beautiful neutral shade that works great with dark eye make up. It comes in an array of tones, so find one that’s right for your skin tone. If coral is a little too neutral for you, or you want to opt for darker lips and lighter eyes, then go for orange lips this summer. You’ll see bright matte orange lips making their big debut this summer, paired with a little orange shimmer on the eyes and cheeks. Bright orange is great for all skin tones.

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Beauty

Young Sexy Lovely: Yet Another YSL Perfumes Masterpiece

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Chic, fresh and light, ‘Young Sexy Lovely’ by Yves Saint Laurent (YSL) is the ideal perfume for the woman of style and fashion. Oozing with the usual YSL perfumes’ quality, this scent is sure to bring out the most feminine side of any attire. Named after the Algerian born designer Yves Henri Donat Dave Mathieu Saint Laurent, this house of fashion, beauty and fragrances has been offering quality items to the elegant, feminine, chic woman for over fifty years now.

Embracing and depicting the values and principles of Yves Saint Laurent, youngest designer to ever run a house of fashion and tyro to Christian Dior himself, YSL’s purpose has made appointed efforts to heighten female looks with elegance and modernity.

This time, and with this perfume, the fashion and beauty house has again excelled. Embodied in a flat, clear crystal bottle with the trademark gold details of Yves Saint Laurent; this glamorous scent is marked with a note of Italian mandarin orange and exotic Nashi pear. The vivacious combination of fruity spirits renders ‘Young Sexy Lovely’ a playful, energetic perfume capable of drawing an air of self-confidence that the entire room will notice.

This great fragrance, regardless, slowly morphs into a slightly serious one thanks to the magnolia and cherry blossoms included into the mix. As the day passes, this fragrance peaks with freshness and ends with a soft light-woods and a whiff of fern.

The key to the YSL perfumes’ stylish rests on the history of the brand itself. It is said that Christian Dior, the fashion genius whose name has too been immortalized on a fashion brand, was so impressed with Saint Laurent’s fashion brilliance that the man became his right hand soon after joining his fashion house at the age of eighteen. Yves’ genius, humility and integrity were such that Dior took to affectionately call him ‘mon dauphin’ (my dolphin), a nickname previously used and exclusive to the heirs of the throne of France.

Yves Saint Laurent was a man who lived by this motto: ‘It’s better to have honor than to have honors’. That was translated in professional, devoted work marked with humbleness in an industry where vanity and pride reign. Regardless of him coming off as more quiet and shy than witty, his genius was such that he was the first (and, to this day, only) fashion designer to have his work shown in the Metropolitan Museum of New York. Such is the man and spirit behind every YSL fashion piece and perfume.

Following the vision of the house creator, Yves Saint Laurent’s creative staff once again develops a fragrance that provide any woman with grace and sensuality with this discreet yet stunning scent.

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HEALTH

Womens Health For Longevity

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When we refer to women’s health it covers a wide spectrum of issues. For the purpose of this article we are going to share some specific tips to help you improve your quality of life by addressing diet and exercise and by touching on the subject of prevention.

Prevention in actual fact is very much related to diet and exercise but it also involves getting routine checkups to make sure nothing has gone astray. With routine check ups you may catch a disease in early development which will improve your ability to cure it.

In relation to diet you need to drink plenty of water. The vast majority of the human body is made up of water, in actual fact about eighty percent of the brain. As a result of this your brain needs to be hydrated. If there is a lack of water it can trigger stress hormones which over time will have adverse affects on your health.

As for food, its funny but eating less can actually help you to have a longer life. To achieve this goal, slowly change to smaller portions, then eat foods and drink liquids with less calories. In effect you want to increase nutrition and reduce calorie intake.

When it comes to foods and diet we often hear that you need to eat less fat. This is not necessarily true, when it comes to fats its like anything else, there are good fats and bad fats. Good fats in actual fact can help you to lose weight. Omega fatty acids help with the cell functions in the brain. Brain function is extremely important because as you know, a healthy mind means a healthy body.

Next up are antioxidants. Antioxidants can be found in fruit and veggies, these antioxidants help in the battle against free radicals and free radicals when produced in toxic amounts are bad for you. You can find antioxidants in fruits such as berries, and vegetables such as spinach.

Women face a variety of health concerns that are exclusive to them. That is why, in order to live a long and healthy life, women must take special care of their bodies. Probiotic supplements for women are a good option in maintaining good health because they aid in the regulation of vaginal pH, digestion, and urinary tract health.

Nutrition which is the study of foods and nutrients is essential. The balance between carbohydrates, protein and fats will result in optimal health. Once again you need carbs and there are carbs which are good for you and there are carbs which are not. When referring to balance it basically means the right portions of each type of nutrient and food. Remember everything in moderation, and keep it simple.

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