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Bathroom Design Tool Lowes. CNET Editors' Rating: Create bathroom layouts easily. When it comes to great bathroom design, the inspiration is endless.
Design bathroom layouts, floor plans, and more in minutes with SmartDraw's easy to use yet powerful bathroom designer tool. But bathrooms in most houses aren't so complicated. Great for the exacting requirements of a bathroom project.
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While bathroom designers are great, they also can break your bathroom remodel budget.
A bathroom doesn't have to be big to have great style and function. There is no end to the software available today. And the thing about bathroom layouts is that they can't be On this page we'll go over the principles of good bathroom design, bathroom design considerations and decisions on bathroom fixtures.
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Full-Day Island & Wildlife Cruise or Half-Day Dolphin & Wildlife Cruise. Award winning #1 boatcruises in Tauranga and Mount Maunganui. A genuine kiwi experience in nature. Watch wild dolphins swimming up close. Orca killer whales, sharks, seasonal whale watching, penguins,seals, sunfish, school fish…
tours » cruises - day and overnight
Experience Foveaux Strait on board our express catamarans. During the one hour Stewart Island ferry crossing between Bluff and Stewart Island keep a look out for wildlife including seals, dolphins and albatross. Scheduled ferry services depart daily. Coach connections available.
transport » ferries and water taxis
…from above! Whale watching by aeroplane offers the unique perspective of viewing the entire whale from head to tail as he breathes on the ocean's surface. You will have your own window seat and the opportunity to clearly view and photograph Kaikoura's marine wildlife during your 30-minute flight.
attractions and activities » nature and eco tourism » whales, dolphins, seals and penguins
Get your Hire Bikes, hard tail or full suspension, from the people who service and ride bikes. With a good number of full /multi-day rides in and around Westport such as Old Ghost Road , Denniston Plateau, Charming Creek, Heaphy Track, Paparoa and Pike 29 Track. We offer a shuttle service as well…
attractions and activities » nature and eco tourism » natural wildlife

subset: commoncrawl


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How To Choose A Top Business Coach
These days, it is taken as read that you will have a better and more successful business if you have a coach. Whether you are ready to expand overseas or you are at the early start-up stage, a trainer will provide you an unbiased opinion and reality check and push you out of your comfort zone hence enabling you to be on track on achieving your business goals. Any leader will benefit significantly from a reliable guide.
As the driving force behind your company, you should consider working with a business guide who will enable the streamlining of your production processes, improving your marketing initiatives and contributing to the overall success and survival of your venture. Just like other types of coaches, business coaches also specialize in certain areas. Some of the areas in which they have specialized in include merging cultures during corporate acquisitions and career development. When making your decision, you should use coaching since business coaching is a self-regulated field. That's why you need to find a business coach to help you stay accountable to your goals now.
You will be required to carry out a lot of research. Below is a comprehensive guide that will enable you to find the best coach to guide you in your business. You should explore industry associations; this is one of the guidelines. In existence are professional coaching organizations exclusively dedicated to business coaching. High standards of professional responsibility, ethics, integrity and eligibility requirements are based upon when choosing members of the professional bodies. You should consider hiring a coach who is a member of the bodies because of the qualities they possess.
Asking for recommendations from trusted sources such as your friends and family members will be of help. You can also solicit recommendations from experts like your financial planner, lawyer or other business providers. Before choosing any trainer, you should zero in on your requirements. There is a wide range of topics that business coaches specialize in like tolerance of turbulence, emotional intelligence and assuring corporate profitability. Look carefully at the areas in your business that you will need help and hire a provider who has adequate skills to handle the task. This will help manage business owner's resources effectively.
Interviewing candidates thoroughly is another guideline that will enable you to hire a reliable business trainer. Your odds of finding the right provider for your business will be increased if you judiciously interview many candidates. Cautiousness and patience are characteristics to have during the search process. Comparing the working styles of various coaches and choosing the one that suits your company and schedule is crucial. Just like a therapist, different business coaches will have different coaching styles. When making your choice, you should consider the charges for the sessions and how they are conducted. If you want to get more enlightened about this topic click here: https://en.wikipedia.org/wiki/Coaching.
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The Marketing Concept Marketing Principles Chapter 2.1 Definition of Marketing Process of developing, promoting, & distributing products to satisfy customers' needs & wants Marketing's Main Purpose Marketing Process Provide a bridge between producers & consumers so exchange of goods & services can occur There are 7 main Marketing Functions Marketing-infomanagement: Collecting, disseminating, & using info. To make sound business decisions Distribution: Physical movement & storage Financing: How & where funds are used in business Selling: Personalized communication that influences purchasing decisions Product/Service management: What products & services will be offered Pricing: Decisions dictating how much to charge for products Promotion: Activities that inform & persuade The Marketing Concept The Basic Concept The marketing concept states that businesses must satisfy customers' needs and wants in order to make a profit. Customers are Classified into Markets All potential customers who have the ability and willingness to buy products. Two Types of Markets Consumer Markets – Consist of consumers who purchase goods & services for personal use. Industrial Markets – Business-to-business markets includes all businesses that buy products for use in their operations. Two Types of People with Needs & Wants Customers vs. Consumers Customers buy a product. Consumers use the product. Example: Parents who buy video games from retailers are customers. The kids who play the video games are the consumers. Many times they are the same. U.S. Game Console Market A market can be described as the people who are potential customers of a product, as well as by the classification of a product in a category. Market Share – The percentage volume of sales a company sells in a specific market. Marketing Decisions Must be Directed Towards the Target Market Target Market: The group(majority) of consumers that a business will direct it's marketing activities towards Marketing Strategies Businesses' planning of marketing decisions to reach markets (i.e. target markets) that have wants and needs for their products. Marketing Mix(Four P's): Four Main Marketing Decisions Product (P/S Planning) Place (Distribution) Price Promotion * Most important decisions in determining marketing strategies because each deals directly with consumers. The Marketing Mix—The Four Ps Product Decisions Involves determining what goods & services will be created or provided to satisfy consumer needs & wants. Price Decisions Involves all activities for determining a value for exchange between the customer and the seller. Place Decisions Involves determining where & how goods & services are made available to the customer. Promotion Decisions Involves informing & persuading the consumer about goods & services available. All marketing mix decisions should be directed towards the target market PRODUCT PLACE PRICE PROMOTION *The 4P's are all interrelated with each other


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The Government's National Panic Service is being used to keep us in a condition of perpetual alarm about coronavirus
The most common symptom of Covid-19 is that you feel just fine. A huge number of those now being absurdly listed as 'infected' with this bogeyman disease are perfectly healthy.
If the trained hunters of the Government's National Panic Service had not tracked them down, most of them would never have known they were supposed to be ill. Why do we take this seriously?
It is a fact, not a 'conspiracy theory', that the power of the state is now being used to keep us in a condition of perpetual alarm. We are ceaselessly threatened with a 'second wave' for which there is, in fact, no evidence.
No escape: A holiday rep warns British tourists arriving in Majorca last week about the new quarantine rules. According to the Coronavirus Worldometer, the daily Covid deaths in Spain for the past few weeks have rarely risen above five a day, and have often been fewer than that
As I began to write this, I received a ridiculous text message from my GP squawking urgently: 'We have been made aware that the number of coronavirus cases in Oxfordshire is starting to rise.'
No doubt Oxford will be one of the next cities to undergo some sort of renewed shutdown, to keep us in our place. This fatuous propaganda is just preparing the way. The more scared we are, the more we obey.
It ended by intoning: 'We must each do our bit to protect ourselves and others.' The use of the phrase 'do our bit', of course, invokes the phoney Blitz spirit that is used against anyone who looks at the actual researched facts and says, as I do: 'Don't be silly.'
For daring to stay calm, I am then accused of being a collaborator with the wicked Nazi virus. The played-out, once-independent magazine Private Eye, now a boring mouthpiece of wokeness, actually did this to me last week.
People are pictured shopping at Leicester market. It is a fact, not a 'conspiracy theory', that the power of the state is now being used to keep us........


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What do I need to set up a Facebook Marketplace account as a retailer?
- To start, you will need a Facebook account, and then you will need to create a Business Page.
- You will also need to create a Business Manager and connect your Business Page to Business Manager.
- Once you have a Business Page, you will need to submit the "Marketplace eCommerce Retailer Interest Form" and get approved by Facebook.
- You will also need to set up Commerce Manager to get access to checkout, inventory, orders, and payouts.
This is what you will need to set up Commerce Manager:
- Business information: Your legal business name, address and contact information.
- Business Email Address: Receive notifications around shop setup, alerts, summary insights, chargeback notifications.
- Business Category
- Customer Service Email Address: To relay customer service requests
- Business Representative Information: Name and date of birth.
- Employer Identification Number (EIN): To set up your payments account.
- Banking Information: Account and routing numbers.
- State Tax Registration Number: For every U.S. state where you have tax nexus.
- Shipping Options
- Return Policy
What are the commission rates and selling fees on Facebook Marketplace?
Facebook selling fees are automatically deducted from your payouts. Facebook's selling fee is 5% per shipment, and does not vary by product category. Shipments of $8.00 or less will have a flat fee of $0.40. The selling fee includes taxes and any payment processing costs.
What are the image requirements on Facebook Marketplace?
Facebook accepts the following file types for product image URLs: GIF, JPEG, PNG, BMP, and TIFF. The max file size is 8 MB. The minimum image resolution is 500 x 500 pixels. For best quality, an image resolution of 1024 x 1024 pixels is recommended, but there is no maximum resolution.
Do I need approval to list products in certain categories on Facebook Marketplace?
Businesses must be approved by Facebook before they can sell retail products in any category on Marketplace.
Are UPCs or GTINs required to sell on Facebook Marketplace?
GTINs and UPCs are not required at this time. You must provide at least one of the following: brand, MPN (manufacturer part number), or GTIN.
Find out why over 30% of the top 1,000 Internet Retailers choose Feedonomics.
Brian Roizen is the Cofounder and Chief Architect of Feedonomics, a full-service feed optimization platform that optimizes product data for hundreds of channels. He has been featured on numerous podcasts and eCommerce webinars, and regularly contributes to Search Engine Land and other industry-leading blogs. Brian graduated summa cum laude from UCLA with both a Bachelor's and Master's degree in Mechanical Engineering.


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Factors to Consider When Choosing An Insurance Company
One should always make sure they take up and insurance coverage because they help in times of losses. You will always be compensated by the insurance company when there are losses and this allows you to continue with life easily. It is the duty of every person to make sure they take up and insurance cover to be able to have a stable business. For one to be able to access loans such as the mortgage loan, one is needed to have an insurance cover. An insurance cover allows one to have peace of mind. All that one needs to do is deal with the best insurance company.
Some considerations should always be made before one goes ahead and settles for an insurance company. Before one proceeds to settle for a specific insurance company, it is wise to look into their history. Looking into the period of time that the insurance company has been in business is recommended. One should always make sure they deal with an insurance company that has been in business for long. Always take time to put into consideration the different states the company offers their services. Choose the company that offers services in several states.
The other key element that you should always look into is your needs. One should always make sure they go for the company that offers a variety of products. A a company that has several insurance packages is the best because it gives you access to all you need from the same company. Consider the financial strength of the insurance company before you proceed to buy the insurance products. Always settle for the company that has a strong financial strength. It is best when you make sure to go for the company with the best financial ability for they will always pay you when the need arises.
Before you settle for the insurance company, make sure to look into how easy it is to do business with them. You should first look into the means to make use of to be able to pay your monthly bills. Settle for the company that makes it easy for you to make payments online. See to it you go for the company that allows you to make your claims with ease. A company that has online services is the best because they make it easy for you and you save time. Always ensure you look into their customer services. The best company is one that is known to have the best customer services.
One should always make sure they look into the costs of the insurance claims. Because you know your financial ability, settle for the company that offers their insurance packages at an affordable rate.
Why People Think Are A Good Idea


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Petrarch Translated: In a Selection If His Sonnets, and Odes
HardPress, 2020年3月7日 - 318 頁
This is a reproduction of the original artefact. Generally these books are created from careful scans of the original. This allows us to preserve the book accurately and present it in the way the author intended. Since the original versions are generally quite old, there may occasionally be certain imperfections within these reproductions. We're happy to make these classics available again for future generations to enjoy!
讀者評論 - 撰寫評論


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2 edition of distribution of academic staff salary expenditure within a New Zealand university found in the catalog.
distribution of academic staff salary expenditure within a New Zealand university
David V. Coy
1991 by Division of Accountancy, Massey University in Palmerston North, N.Z .
Written in English
Edition Notes
|by David V. Coy.
|Discussion paper series,, no. 112, Discussion paper series (Massey University. Dept. of Accountancy) ;, no. 112.
|LC Classifications
|The Physical Object
|37 p. :
|Number of Pages
|ID Numbers
|Open Library
|LC Control Number
ONLINE: Click on Read More and Buy from any book page on this site. You will be redirected to JPS's publishing partner, the University of Nebraska Press. PHONE: Call Longleaf Services at or EMAIL: [email protected] FAX: OR EBOOKS: Most JPS books are available from ebook vendors. FOREIGN ORDERS: New Zealand. David A. Wells Professor of Political Economy, John Leverett Professor in the University. Paul M. Healy James R. Williston Professor of Business Administration. George F. Baker, Jr. Professor of Public Management, Eliot I. Snider and Family Professor of Business Administration.
Big Red Tomato
Reproductive hazards of work
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Total quality management to develop a quality policy in public service broadcasting
Formerly utilized MED/AEC sites, remedial action program
analysis of 150 college students attitudes toward content of a course in family relationships
Exploring scanning probe microscopy with mathematica
Basham family history of Breckinridge County, Ky.
Marine disasters on the western lakes, during the navigation of 1869, with the loss of life and property
Pension security for women
tourists companion, or a guide to the steam and canal boats, Edinburgh and London smacks, and other vessels connected with Scotland
Six thousand mutton chops
Early medieval towns in Britain, c 700 to 1140
Far Eastern tropics
University Staff Academic Salaries and Remuneration: A Comparison of New Zealand and Select International Data 5 The minimum salary (converted to PPP) for a Professor in New Zealand has grown by 18 percent since our last report inhowever, despite this double digit growth, it is still approximately 20File Size: KB.
The University expects that all academic staff members will have their performance reviewed distribution of academic staff salary expenditure within a New Zealand university book and distribution of academic staff salary expenditure within a New Zealand university book professional development put in place.
Academic staff are reviewed either annually or biennially. A positive review can result in moving up within a salary. The academic head is only to accept a DSAC advisor from outside the University where there are no suitable alternatives, and then preference is to be given to a New Zealand alternative 5.
The DSAC advisors are to analyse and evaluate the applicant's teaching, research and service on the basis of the application. You are likely to take a significant pay cut if you move from another Anglo-Saxon country to New Zealand. The universities feel that they offer a lifestyle package where you don't have to work quite as hard and can do more research in exchange fo.
The remaining 89% (45,) were non-management staff. Inthe average base salary for the Public Service workforce as a group increased by %.
The increase for non-management staff was % compared with % for management staff. The salary movement varied at different management levels as shown in the table below. Title: Academic staff CEA Created Date: 3/22/ AM.
Lecturers / Assistant Professors jobs in New Zealand. 2 jobs to view and apply for now with THEunijobs. Resources and services for University staff including tools and applications, work at the University, learning and teaching and more.
Breadcrumbs List. Show Truncated Breadcrumbs. You are currently on: page. Open sub navigation overlay. Discover the benefits of working at New Zealand's pre-eminent University, browse job vacancies and more.
Median Salary: NZ$52, "Aspiring office managers should have excellent communication, problem-solving, and managerial skills, as they are responsible for. The national average salary for a Professor is $, in New Zealand. Filter by location to see Professor salaries in your area.
Salary estimates are based on 4 salaries submitted anonymously to Glassdoor by Professor employees. The average salary for Auckland Distribution of academic staff salary expenditure within a New Zealand university book employees in New Zealand is NZ$72, per year.
Visit PayScale to research Auckland University salaries, bonuses, reviews, benefits, and more!/5(23). In60 percent of migrant arrivals to New Zealand were on a work, visitor, or student visa. 16 February Final report from Census External Data Quality Panel now available. 16 February Image: meat display.
Meaty increases push up annual food prices. 13 February Image: maori farmer. Labour productivity grows percent. academic staff, the Head of School shall ensure that the member of staff is so informed not less than five weeks before the date of the relevant Committee meeting.
A member of staff for whom no recommendation is being made - for the award of an individual (special) increment of salary within. The University of New England respects and acknowledges that its people, programs and facilities are built on land, and surrounded by a sense of belonging, both ancient and contemporary, of the world's oldest living culture.
In doing so, UNE values and respects Indigenous knowledge systems as a vital part of the knowledge capital of Australia. So if you were employed as a lecturer inyou'd probably start at $76, (New Zealand Dollars; exchange rate as of 19th Dec is 1 NZ dollar buys US dollars; so starting salary would be around $60, USD) and each year you'd typically go up an increment (i.e., about $2, NZD; $1, USD) until you hit the top of "lecturer".
The national average salary for a PhD Student is $26, in New Zealand. Filter by location to see PhD Student salaries in your area. Salary estimates are based on 19 salaries submitted anonymously to Glassdoor by PhD Student employees.
The total enrollment at New York University, both undergraduate and graduate, is 51, students. The full-time enrollment at New York University is 42, and the part-time enrollment is 8, This means that % of students enrolled at New York University are enrolled full-time compared with 78% at similar Doctoral Universities.
The fee for the least expensive standard, full-time Bachelor of Arts course is around $10, per year, while engineering students pay around $17, per year and those taking specialist science courses substantially more.
school term dates for New Zealand primary, intermediate and secondary schools. Consultations across government Find out about central and local government consultations happening across the.
Economics at Otago has a reputation as one of New Zealand's premier teaching and research departments. We are always keen to share our passion with others. The Department operates an 'open door' policy with students, and works to ensure that all our senior students feel included.
Universities account for 33% of New Zealand's R&D expenditure Statistics New Zealand, "Research and Development Survey: ". Universities drive 63% of all of NZ's basic research expenditure and 31% of applied research expenditure Statistics New Zealand, "Research and Development Survey: ".
Kiwi are not only one of the national symbols – the others being the silver fern leaf and koru – but also the name New Zealanders usually call themselves. Overseas students will need to pay the full tuition fees and their own living costs while studying at a New Zealand institution.
Top Master Programs in Accounting in New Zealand JMAD New Zealand Media Ownership Report. The New Zealand media is facing the biggest changes since the first publication of the JMAD New Zealand media ownership report in Inmajor New Zealand media organisations were put up for sale, and hundreds of jobs were at risk.
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can help with admission and visa requirements. ted to the full range of DHB clinical staff. These respondent comments are a rich source of data, provid-ing insights into different aspects of the clinical govern-ance implementation process. The New Zealand Healthcare System16 The healthcare system is predominantly tax-funded, with around 80% of total health expenditure from government by: 7.
University of Otago As New Zealand s official data and statistics agency, we are tasked with leading the way for New Zealand s data future, Get new jobs for this search by email. My email: By creating a job alert or receiving recommended jobs, you agree to our Terms.
You can change your consent settings at any time by unsubscribing. Class, Race, and Inequality in South Africa Yale University Press New Haven and London Australia and New Zealand).
Most emphasis is placed on the way the distribution. As we demonstrate in this book, understanding the nature andFile Size: 2MB. University of Kansas Interactive Fact Book The Interactive Fact Book contains current and historical data about KU.
At this time the Fact Book includes information on areas listed below. Additional areas will be added as data become available. The figures found here may differ from those found elsewhere due to population definitions and timing of data collection.
of satisfaction with the overall University experience, both academic and extra-curricular, was an impressive 95 per cent.
The high quality of our academic offerings is reflected in the fact that, in the QS subject rankings, we ranked first in New Zealand in 35 of the 38 subjects we teach. Completions of both taught masters ( Annual ECE census report and statistics on ECE Participation, Services, Teaching staff, Finances and Language use in ECE.
BOTs, Homeschooling, July School Roll Returns, Resourcing, Revenue & Expenditure of Schools, Senior Student Attainment, Teaching Staff.
Tertiary Education. Student Enrolments, Financial Support for Students, Life after Study. Lecturer jobs. Sort by: relevance - date. Page 1 of 23 jobs. Lecturer Academic Research. Manukau Institute of Technology Manukau City, Auckland.
The University of Otago is one of New Zealand's largest and most research-intensive universities. 30+ days ago. (In New Zealand a professor is a very senior academic and many academics with permanent jobs never become professors.) – Tara B Mar 2 '14 at Yes, something equivalent to a "tenure-track assistant professor" in the US.
– advisingperson Mar 3 '14 at University lecturer and post-doctoral fellow appear on Immigration New Zealand's regional skill shortage list. This means the Government is actively encouraging skilled tertiary lecturers from overseas to work in New Zealand. A total of 9, academic staff were employed in New Zealand universities in current funds revenues and expenditures of institutions of higher education: fiscal years through INTRODUCTION This report presents revenue and expenditure data of the nation's accredited institutions of higher education over the nine-year period from fiscal year through fiscal year The best paying degree at University of Canterbury New Zealand is Masters in Finance, with alumni earning an average salary of $, Graduates from University of Canterbury New Zealand who earn the lowest salaries are those with a LLM degree, earning a salary of $56, annually.
1, Statistics Professor jobs available on Apply to Assistant Professor, Adjunct Professor, Professor and more. Distribution of Average Faculty Salaries, Two-year institutions with academic ranks: Professor: $96, $84, $72, New York University Arts and ScienceAuthor: The Chronicle of Higher Education Staff.
The Scottish Public Finance Manual (SPFM) is issued by the Scottish Ministers to provide guidance on the proper handling and reporting of public funds.
Background and applicability. Background and applicability. Finance guidance notes. FGN/01 SPFM amendments: January FGN/06 SPFM amendments: September A free inside look at University of Auckland salary trends based on salaries wages for jobs at University of Auckland.
Salaries posted anonymously by University of Auckland employees. The education system for schools is made up of 13 Year levels. Your child's primary education starts at Year 1 and goes to Year 8 (around years of age). Your child's secondary education goes from Year 9 to Year 13 (around years of age).
Many children go to a school close to where they live. Many schools have an enrolment scheme. Pdf library and pdf library vans taking out medication which needs to be with patients within a 4 hour period. Durham – suggestions are customer service and befriending either via email or phone, food bank deliveries, and also bin collections.
Essex – At least some staff furloughed. Some working on distribution of food. Inthe higher education sector in New Zealand spent million New Zealand dollars on research and development (R&D).There are over 3, doctors (GPs) in New Zealand located in ebook every city, town and suburb.
To find a GP you can look in the front of the White Pages telephone book, under 'Registered Medical Practitioners and Medical Centres'. You can also look at the .


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Closed Auction
lot # 1364 - europe Poland
Wednesday Dec 04, 2019 09:00 Europe/Zurich
Last date for bids:
1948 (Dec 30): Roosevelt Miniature Sheets, unused examples (6) in fine to very fine quality large part or unmounted og., and a single used example cancelled in Warsaw, this last with a few wrinkles. A scarce group Mi = € 3'400.
Catalogue 244: Europe & Overseas
Sale Terms
Corinphila Auctions Ltd.
Corinphila Auctions is one of the world's leading auctioneers specializing in first-class stamp auctions. Online live auction bidding. Partner in the Global Philatelic Network.... Read More
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Price: CHF 300.00
Price: CHF 220.00
Price: CHF 100.00
Price: £ 40.00


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Hansel and Gretel Comprehension Questions
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A set of eight comprehension question cards designed for checking that children understand what they read.
Total Pages
2 pages
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Dean Unglert Thanks 'Primary Caretaker' Caelynn Miller-Keyes After Ski Accident
"Thank you for everything you've already done and for everything you still unwittingly have to do," wrote Bachelor in Paradise star wrote of his girlfriend
Dean Unglert is thankful to have Caelynn Miller-Keyes to aid in his recovery.
On Sunday, the Bachelor in Paradise star, 28, shared an appreciation post for his girlfriend, 24, who has helped him recover following a skiing accident in December on the Swiss Alps. Following the Dec. 28 accident, Unglert left a Switzerland hospital on crutches with Miller-Keyes by his side.
"Back in the states after an unfortunate turn of events in europe," he wrote in his caption. "It would have been a whole lot worse without my primary caretaker there to change my smelly socks, carry my luggage, and keep me entertained."
He added, "Thank you for everything you've already done and for everything you still unwittingly have to do."
Last month, Unglert detailed his accident, sharing a selfie on Instagram of himself lying in a hospital bed connected to a nasal cannula.
"All my life I've dreamt about skiing the Swiss Alps. how could you not? they're huge and beautiful and have some of the best snow in the world," Unglert wrote before explaining that "today, however, was not my day."
RELATED: Bachelor in Paradise's Dean Unglert Says He Isn't Proposing to Caelynn Miller-Keyes Just Yet
He continued: "I was sending just a liiiiitle too hard and took a nasty spill which ultimately put me here. and since this is probably going to be the only pic i get in Switzerland, I figured I gotta post it."
Unglert later revealed he suffered a "dislocated hip and fractured femur" and had "a plate and 3 screws" put in his leg.
At the time of his injury, Unglert said his recovery will take 12 weeks. He then asked his Twitter followers for suggestions on how to spend his time during the healing.
"Trying to find positives that can come from a 12 week recovery time. the first thing I thought of was that now I can focus on learning the instrument I bought 3 months ago and haven't played once. anything else?" he asked.
Never miss a story — sign up for PEOPLE's free daily newsletter to stay up-to-date on the best of what PEOPLE has to offer, from juicy celebrity news to compelling human interest stories
In December, Unglert told PEOPLE that he and Miller-Keyes — whom he met on the most recent season of Bachelor in Paradise — are being "super patient" with their relationship.
"There's no, like, impending engagements or anything like that," he said at the time.
"We understand that with the Bachelor franchise, you kind of get put in a pressure cooker with your relationship and we're just traveling together, exploring each other, and having fun and doing what we're doing," Unglert said, admitting that Miller-Keyes might see it a little differently.
"She might tell you otherwise but it seems like, you know, we're on a good path at the moment and there's nothing really on the horizon but I think that's kind of the best," he added. "You don't really set like relationship goals until later on down the line, so we'll see."


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Details & Care
What it is: A fresh, woodsy harmony created by perfumer Sidonie Lancesseur.
Fragrance story: Ice cracks beneath a stream of silky clear liquid, awakening deep curiosity. Comprised of cool spices like cardamom and coriander plus aldehydes at the opening, Vodka on the Rocks evokes the frozen steam rising from ice cubes in a clear crystal tumbler. Bitter rhubarb accord, a splash of clear rose and lily of the valley harmonize with an intoxicating leather undertone of sandalwood and oakmoss. A new innovative gesture allows an easier refill process. The refill packaging has been slimmed-down for minimal environmental waste. It allows a spill-proof gesture and the dispenser will stop transferring the perfume automatically, once the container is full. Enjoy the experience of refilling easily at home or at a Kilian counter. True luxury should last a lifetime, and as such, all by Kilian fragrance flacons are designed to be refilled.
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|Mortgage & Refinancing Information
Mortgage Marketing
W. Edwards Deming said "Marketing and innovation are the only source of value in business, everything else is a cost". And he was right.
The only thing that adds to your bottom line is demand for your product. Demand is created by offering people products they want (innovation) and effectively communicating the benefits they will enjoy once they own your product (marketing).
As a mortgage broker you have very limited control over the innovation part of your business because the loan products available are offered by your lenders without your input. So that leaves marketing as the only way for your to add value to your business.
Once you understand this, it becomes a simple matter to organize your business into a marketing driven brokerage. Start by carefully evaluating your marketing and sales skills. Identify your strengths and weaknesses. Take your time with this exercise. Write notes. You will need this information later.
Next, identify your target market. Start small and narrow. Specialize and you will be able to offer better service and expertise than other brokers that will do any loan that comes to them.
The easiest way to do this is to find a specific type of loan program that you think will be profitable. Learn everything you can about this market segment. Identify every loan provider in this market. Search for the best deal for your clients and you will have powerful ammunition when it comes time to market your product.
Now use your strengths and your target market profile to select three marketing strategies from the following list.
Friends and Family - Direct Mail - Flyers - Telemarketing - Press Releases - Broadcast Advertising - Print Advertising - Articles - Networking - Premiums - Seminars - Surveys - Ethnic Communities - First-Time Home Buyers - For Sale By Owner - Internet Marketing
These three strategies should form the basis of your marketing efforts.
Develop a marketing project for each strategy. Carefully write you advertisements, define where you will run them and set your goals. Then develop a process for keeping track of your expenditures and your results.
Once you have a clear definition of each marketing project you should pick the most promising one and put it into action. Once it's up and running move on to your next marketing project.
Once you get your three strategies up you should change your mindset into one of gathering market data. Always evaluate the performance of every ad. Make small changes and compare results. The goal is a process that delivers constant, incremental improvement of your advertisements.
Over time you will develop very effective ads and thereby reduce you cost per prospect. Marketing is a slow and tedious process when done correctly. You must have the patience and perseverance to keep meticulous records.
But when you do, you slowly develop a huge repository of customer behavior data. There is no more accurate predictor of how a customer will act tomorrow than looking at what they did yesterday.
David A. Wells is a former mortgage broker turned internet marketer. If you'd like more information about mortgage industry careers, jobs, training, websites and licenses then visit http://www.mortgage-millions.com. You'll find an array of valuable information to help you become successful as a mortgage broker.
Don't let mortgage rates distract you. You should also consider this when refinancing - Fox Business
Rocket's Refinance-Fueled Blastoff Might Not Last The Wall Street Journal
How to Refinance a Jumbo Loan Credible News
Now's a good time to refinance your mortgage KTNV Las Vegas
Refi Rates Today, July 24, 2020 | Rates slide Bankrate.com
Is It Already Time To Refinance Again? Mortgage News Daily
What is the average refinance closing costs? The fees add up Business Insider
Current Refinance Rates, July 15, 2020 | Rates slide Bankrate.com
What is the cheapest way to borrow money? Fox Business
Wells Fargo tells new clients they need $1 million in balances for certain mortgage refinancings - CNBC
Wells Fargo tells new clients they need $1 million in balances for certain mortgage refinancings CNBC
Mortgage industry faces 'tsunami' of refinancing deals Phoenix Business Journal
You might have a tough time getting a 'jumbo mortgage' during pandemic. Here's what to expect - CNBC
Don't make these mortgage refinancing mistakes | Business | swoknews.com The Lawton Constitution
What Is A No-Closing-Cost Mortgage? Bankrate.com
New SimpleNexus eClosing feature enables mortgage lenders to conduct speedy and convenient hybrid closings of purchase and refinance loans - TippNews DAILY
New SimpleNexus eClosing feature enables mortgage lenders to conduct speedy and convenient hybrid closings of purchase and refinance loans TippNews DAILY
Lenders Are Making It Harder To Get A Mortgage. Here's How Borrowers Can Improve Their Odds - Forbes
Compare mortgage, refinance, insurance, CD rates Bankrate.com
Mortgage Credit Availability Up in July Banker & Tradesman
Mortgage rates hit historic low and local real estate market soars WNEP Scranton/Wilkes-Barre
Should I pay off my mortgage or invest the money instead? | Mortgage Rates, Mortgage News and Strategy - The Mortgage Reports
Should I pay off my mortgage or invest the money instead? | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports
Mortgage refinance: Everything you need to know Fox Business
Continuous increase in housing demand during pandemic WKRC TV Cincinnati
Figure Names Wall Street Vet Robert Hershy as Head of Capital Markets Effort for Provenance - Business Wire
Figure Names Wall Street Vet Robert Hershy as Head of Capital Markets Effort for Provenance Business Wire
How to get the best mortgage refinance rates Fox Business
How to refinance your mortgage Fox Business
LowRates.com Mortgage Reviews & Ratings Bankrate.com
10 things to know before refinancing your mortgage Fox Business
Is now the best time to refinance your mortgage? Fox Business
There Has Never Been a Better Time for Co-ops to Refinance Habitat magazine
7 ways to make extra income in retirement Bankrate.com
When should you refinance your mortgage? Fox Business
Mortgage refinance applications spike 79% as homeowners rush to take advantage of lower rates - CNBC
Record number of borrowers can now save on a mortgage refinance as rates drop from coronavirus fears - CNBC
Record number of borrowers can now save on a mortgage refinance as rates drop from coronavirus fears CNBC
With Mortgage Rates So Low, Getting a Floating Rate Mortgage Might Seem Crazy. Here's Why I Did It Anyway - MONEY
With Mortgage Rates So Low, Getting a Floating Rate Mortgage Might Seem Crazy. Here's Why I Did It Anyway MONEY
How does mortgage refinancing work? Bankrate.com
Should I refinance my house? Mortgage rates drop to 50-year low as coronavirus spreads across the U.S. — and the world - MarketWatch
Should I refinance my house? Mortgage rates drop to 50-year low as coronavirus spreads across the U.S. — and the world MarketWatch
I refinanced my mortgage during COVID-19, and thanks to low interest rates I'll save about $50000 - Business Insider
I refinanced my mortgage during COVID-19, and thanks to low interest rates I'll save about $50000 Business Insider
The impact of the coronavirus on mortgage refinancings Brookings Institution
The basics of no-closing cost mortgage refinancing Fox Business
Weekly mortgage refinance applications spike 15% as interest rates plunge to lowest in nearly 4 years - CNBC
Weekly mortgage refinance applications spike 15% as interest rates plunge to lowest in nearly 4 years CNBC
Successfully Refinancing Your Mortgage Isn't Just About Getting A Great Interest Rate. Here's What Else You Need To Look For - Forbes
Successfully Refinancing Your Mortgage Isn't Just About Getting A Great Interest Rate. Here's What Else You Need To Look For Forbes
Rushing to Refinance Your Mortgage: 6 Tips and What to Avoid The New York Times
Kippers or Red Herrings?
Recent news has made much of parents stretching their finances to cover costs for their twenty and thirty something children. Debts and high property prices have forced many offspring to return home, tail between legs, under the attractive new marketing term of "kippers": kids in parents' pockets eroding retirement savings.
5 Home Buying Essentials
Purchasing a home involves certain important, even essential, steps that every buyer should take before closing on a purchase. Let's examine these "essentials" which, if properly implemented, can help you save valuable time and aggravation.
First-time House Buyers: to Buy or Not to Buy; that is the Question
Buying your first house is always a difficult time. There are so many important decisions to make, and problems to be solved, which combine to make it one of the most stressful events that will occur in most people's lives.
Advantages and Disadvantages Of A Reverse Mortgage
Betty and John, are in their mid-seventies and are currently weighing the advantages and disadvantages of a reverse mortgage as a way of freeing up some cash. The couple purchased their home 45 years ago for about $14,000 since then home values have skyrocketed and recent single family homes in their neighborhood have been selling for a minimum of $160,000.
Short-Term Interest Rates on the Rise; Adjustable Rate Mortgage Holders Prepare for Increase in Rate
Interest rates are on the rise and many home owners who have adjustable rate mortgages may see increases in their forthcoming annual adjustments.Federal Reserve Chairman Alan Greenspan made it clear in 2004 that the Federal Reserve would be increasing short-term interest rates at a "measured pace.
Thinking About Refinancing Your Loan?
Refinancing your home or property is a big decision that could drastically affect your financial future, for the good or the bad, depending on how smart you go about the process. Take the time to explore all of the different refinancing options you have available to you.
Stock Market, Bonds, Deposit Account, Cash, Equities, Unit Trusts - Few, Just Few of the Ways of Sav
Man has been known for continually simplifying things in his own interest. First he devised mortgages then several sub categories under it like buy to let mortgage, council right to buy, reverse mortgage.
No Money Down Home Loan
Are you in the market to purchase a home but are concerned about not having enough money for the down payment? No down payment home loans or 100% financing for your mortgage loan used to be only advertised during late night infomercials and in obscure real estate publications. The good news is that if you want to buy a house but have little or no money available for the down payment, there are mortgage lenders who are offering no money down home loans in your area.
Finding the Best Mortgage Lender Online
Finding the best mortgage lender online is simply a matter of doing some smart shopping. Begin by gathering your financial information, and then request quotes from several lenders.
Advantages Of Mortgage Pre-Approval
There are several advantages to getting mortgage pre-approval before looking for a home.Being pre-approved for a loan lets you know how much you can borrow towards a home, your agent can help you find a home within the loan amount you're pre-approved for, and a seller of a home is more likely to accept your offer than someone who has not been pre-approved for a loan yet.
Home Equity Lines of Credit Vs. Other Conventional Loans
When it comes to getting money, you have two basic options. If you are a homeowner you can choose to take out a home equity line or credit (HELOC), or you can take out a conventional loan.
Reasons To Get A Home Equity Loan
Using a home equity loan really depends on what your needs, wants and desires are that prompt you to take the home equity loan in the first place.The most common reason people obtain the loan is for debt consolidation however other uses include home improvements, educational expenses, unexpected family emergencies, medical expenses and in some cases for big ticket purchases.
Avoiding Foreclosure Scams
If your mortgage company is threatening foreclosure, there are things you can do to avoid it (see my article titled "How to Avoid Foreclosure"). However, you should be aware of scams.
How To Choose Your Mortgage Loan
Are you excited about purchasing your first home? Or maybe this isn't the first, but you should be excited anyway! It's a big step and a big decision. Finding the right mortgage loan is key.
Good FICO Credit Score? Tips to Getting the Most Out of Your Home Mortgage Loan With Good Credit
Sometimes so much is talked about how to solve the problem of having bad credit, but what about when you have an excellent credit rating? Good credit is considered to be a credit score of 650 or higher. How can you get the best interest rate and loan terms to make your good credit history work for you? Even with excellent credit, you have to be careful not to get talked into a loan that may not be the best one you could qualify for.
A Mortgage Loan For Homes
Everybody wants to own a house because it is something that portrays your success in life. Some people make some ways on how to own one by considering a lot of things including borrowing money from banks, lending offices and finance institutions.
Why Choose a Home Owner Loan?
Most people choose a home owner loan as it can release the capital that is tied up in their property for immediate use. The loan can be used for any purpose, and is available to anyone who owns their home.
Adverse Credit Mortgage Loan - Persistence is the Key to Getting Approved
People with bad credit that are looking to get a home mortgage loan or to refinance their existing home mortgage loan, know how difficult of a job it can be to try and get approved. Adverse credit history can mean a little more legwork to get an approval for a mortgage loan, and especially to get a decent interest rate.
Bad Credit Home Loans
There was a time that seems like decades ago when people with less than pristine credit were not able to get home loans. At that time people with bad credit were all but assured that their dreams of homeownership would never come to fruition.
Refinancing Your Home Mortgage Loan With Bad Credit
There are numerous reasons a person has bad credit. Late or partial payments, missing payments, and too many outstanding debts could all be factors that have left you with a poor credit rating.
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VIPP is an acronym for the Video Interaction to Promote Positive Parenting programme, which is is an intervention in which the therapists work with parents using videofeedback to help them to understand and adapt to their infant's individual communication style to promote the best possible social and communicative development.
This glossary is designed to explain some of the jargon and gobbledygook used by some people when they talk about autism or research..
You may be able to find more information, including links to other parts of this website, by clicking on the title of an item.
If you can't find the word you are looking for, or you know of a word we should include, please email email@example.com
The fact that an intervention is listed in this glossary does not necessarily mean that we agree with its use. Nor does it necessarily mean that there is any scientifically valid or reliable evidence behind it.


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When you're taking your car around Dallas, you're going to need to rotate your tires eventually. How often should you rotate your tires? The answer to how many miles to rotate tires is a few thousand in each case, but it depends on your drivetrain. Essence Maserati is going to walk you through when to rotate tires and offer you some other excellent parts tips.
If you want to save a trip to the shop and rotate your tires at home, it'll require you have a car jack and a lug nut wrench. Here's our walkthrough on how to rotate your tires:
FWD and RWD drivetrains need to have their tires rotated every 5,000 to 7,500 miles. On the other hand, if you have an AWD vehicle, rotate them every 3,000 to 5,000 miles. For the best idea on how often you should rotate your tires, be sure to check your owner's manual.
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Here is what is newly posted to the Inner Sanctum of my personal website: jpearce.co
- Home is Where the Hearth Is: Joseph Pearce and Fr. Dwight Longenecker continue their discussion of Southern Catholic writers, focusing on the contemporary author, Glenn Arbery.
- Poem of the Week: Continuing the Belloc Festival to commemorate 150th anniversary of the great man's birth, Joseph Pearce reads and discusses three more of Belloc's poems.
- Revisiting Old Favourites: Join Joseph Pearce and Belloc on The Path to Rome.
- Ladydale Diary: A trip to remote rural Upstate New York to spend a week giving talks and classes to 50 Dominican Sisters.


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Catherine Parry, Special Counsel CLAYTON UTZ, Sydney Australia
Catherine Parry is a respected litigator renowned for her specialist skills in high-profile commercial disputes, regulatory investigations, white collar crime and corruption.
She has particular experience advising top ASX listed companies as well as leading domestic and multinational clients in the energy and resources sector, and draws on 20 years' experience practising in top-tier law firms in London and Sydney, and at the NSW Bar.
Recent experience includes:
ASX-listed company: Catherine acted for an ASX-listed company in respect of multi-agency investigations and internal investigations into alleged bribery and corruption by a related overseas entity pre-acquisition
ASX -listed company: Catherine is acting for a ASX listed company in Federal Court of Australia civil penalty proceedings brought by ASIC concerning the impairment of assets and related SEC civil litigation.
Multinational client: Acting for a client in respect of investigations conducted by ASIC, the Australian Federal Police, the UK Serious Fraud Office, the U.S. Department of Justice, and the SEC and internal investigations into alleged bribery and corruption.
International Arbitration: Catherine acted for an international oil and gas contractor in relation to various disputes arising out of a Queensland LNG project, including preparing evidence for arbitration.
Admitted To Practice
Clayton Utz: A reputation for standing out. And for being outstanding.
For over 180 years, our confident approach to complex transactions and litigation has seen us grow into one of Australia's premier firms.
Now, with over 165 partners and over 1,600 employees across six offices, we continue to strengthen our reputation for innovative and incisive advice. With a genuine commitment to client service, we've become trusted advisers to a range of government agencies and many of Australia's largest corporations.
Our strength lies not only in the range of skills and depth of expertise held by our individual lawyers, but also in our ability to work together effectively as a full service, national team and our ability to bring together teams of lawyers with the right mix of legal and commercial skills to match the needs of our clients.
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An Adventurer's Playground
Explore Water Adventures
Snorkeling & Scuba
Come face to face with tropical fish, spotted eagle rays and green sea turtles on an underwater adventure in Hawaii's 1,200 miles of coral reef.More
Mountain Tubing
Strap on a headlamp and hop into a tube to explore inland canals, tunnels and flumes on this only-in-Kauai adventure.More
Lift off on a parasailing adventure and get a bird's eye view of Hawaii's breathtaking coastline from up to 1,200 feet in the air.More
Deep Sea Fishing
Hawaii is home to some of the biggest marlin in the world as well as one of the oldest billfish tournaments, plus scores of other game fish – from wahoo to mahimahi to giant trevally.More
Whale Watching
Each winter, Hawaii is the stage for some of the best whale watching on the planet, when thousands of kohola (humpback whales) migrate to our warm waters to breed and nurse their young. Tours from just about every island can bring you thrillingly close to these magnificent creatures.More
Adventures on Land
Soar through Hawaii's lush canopies on some of the longest ziplines in the U.S. – and some of the most scenic in the world.More
Whether you want to descend jungle cliffs or cascading waterfalls, Hawaii's knowledgeable guides will show you the ropes.More
Browse Hawaii Adventures
Hawaiian Paddle Sports offers authentic, sustainable eco-tours that empower guests to discover a deeper appreciation of and connection to Hawaii's marine environment. Guests can choose from private kayak, outrigger canoe, canoe surfing, whale watch, and snorkel tours, or take SUP or surf lessons.
Atlantis Submarines offers a one-of-a-kind underwater experience off the shorelines of Oahu, Maui, and Hawaii Island, giving guests a close-up view of an array of marine life, exotic tropical reefs and numerous sunken vessels. It's like swimming in a giant aquarium, but staying dry the whole time!
We focus on the complete surfing experience. Lessons are available for beginning through advanced surfers with a special emphasis on safety and ocean awareness. Group and private surf lessons as well as specialized surf clinics.
Escape from the crowds, buses and tour boats and see Maui from the ocean perspective! Connect with your friends and family as our professional kayak guides take you paddling and snorkeling. You'll see amazing wildlife, enjoy special moments, views and hear stories of Maui.
Bubbles Below aims to inspire scuba divers to care about the marine world through encounters, education, and natural curiosity. We are committed to upholding the character of our many dive sites, the coral reefs, and all of their residents through sustainable practices and conservation.
Kauai Beach Boys is Kauai's most complete ocean fun headquarters. We offer surf and stand up paddling lessons, thrilling outrigger canoe rides in the surf, beach gear rentals and sunset catamaran tours of Kalapaki Bay and the Huleia River and private Kauai Lagoons sunset tours.
Enjoy the best Kauai water adventures and most exclusive parts of Kauai. Kayak or SUP to remote areas of Wailua and Hule'ia Rivers. Hike jungle trails through valleys to secluded pools and waterfalls on private Kipu Ranch. Sea kayak magnificent Napali Coast, or paddle the hidden beaches of Poipu.
Poipu Beach Surf School is owned and operated by professional waterman and former pro bodyboarder Doug Muraoka. Poipu Beach Surf School is committed to providing each of its guests with safe, fun, friendly surfing experience. Poipu Beach Surf School teaches people how to surf at the Sheraton beach in Poipu
Beginner or expert riders will enjoy the pristine beauty of the secluded location. Up-close mountain views, lush botanicals. Picnic beneath a palm thatched hut and swim at a waterfall. No hiking required. An unforgettable horseback experience.
Maui's Leading Snorkel & Dive Center offering dive gear rentals, sales, instruction & beach wear, Maka Koa, our 48' custom dive boat, offers dives to Molokini, Back Wall, Cathedrals, & Wreck Dives. Maka Koa offers a full breakfast & deli lunch. Free Transportation provided south & west Maui.


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Full episode
50: Shoulda Been Dead
Act One
Die In Six Months
More in Death
Act One: Family Plot
Producer Lina Misitzis travels to Greece with her family to exhume the bones of her dead grandmother. (20 minutes)
Act Three: The Book of Death Is Long and Boring
Where do we go when we die? Producer David Kestenbaum learns that the answer's pretty bureaucratic.
Act Two: Commento Mori
There's a problem with having a Facebook account after you're dead that you've never, ever, ever thought about.
More by Ira Glass
Act Five: Nine Months Later
Host Ira Glass calls Jennifer to talk about the new security law. (12 minutes)
Act One: Cursed Generation
A bunch of 22-year-olds from Hong Kong explain why they are cursed and what that means for their and Hong Kong's future. (17 minutes)
Act Two: The Fight
Jennifer, Ira, and producer Emanuele Berry go to a protest and get tear gassed in front of a Ruth's Chris Steakhouse. (6 minutes)


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