All products are presented without warranty. The management fee (also referred to as the "program fee") begins at 1.35% for an investment of $250,000. Oscar Wilde Nowadays people know the price of everything and the value of nothing.. His advice at the time..hold tight and start BUYING now! Expense ratios of funds vary, but index funds that simply track the behavior of a particular sector or set of investments are generally the lower cost option. This site is designed for U.S. residents only. Its YOUR money! First its your money and as diligent investor you should always know all fees you are paying when you work with a financial rep or advisor to begin. If you invested $100,000 with Edward Jones and purchase American mutual funds at 4.5% front end load and an expense ratio of 1.0% versus a comparable Vanguard mutual fund at 0% front end load and 0.2% expense ratio and left it invested for 10 years. THEY CANT HANDLE IT. Great research department. $250K-499K 2.50% We had $70,000 in savings. I like that EJ will not offer or sell stocks that are substandard, hedge funds, etc. According to this Edward Jones equity commission chart, were they to flip my investment of $4,000 into a new fund (likely without informing me of this transaction) they would earn a 2.5% commission off of that money. The adviser I have with Edward Jones has done a stellar job over the last 13 years!! If you are a commissioned broker then you are a broker (salesman). For being so ethical they sure spent a lot of money fighting the fiduciary rule. Jones doesnt have account minimums to have a physical advisor, and the local branches mean youre not calling a 1-800 #. He moved me over to another office, which essentially did much the same thing: churned my portfolio and put some of the money into sketchy investments. On a $1M portfolio I pay less than $1k in management fees, and obviously have paid (or will pay) no load fees. But should everyday investors use Edward Jones? However, Ive noticed that were paying ~$130/mo on each acct. (You have to weather the market downturns without flinching.). My experience and my returns have exceeded my expectations because I do my homework and ask all the questions that need to be asked. Just transferred IRA from Edward Jones to Vanguard and of course Jones slapped me with a $135.00 fee. I didnt want to pay him for the exact same service and options I could get completely free at fidelity (or other places). That is their niche, they know it, and they are very good at it. Not really. American Funds Growth I called my broker to change back and its 2.5% to get back into the same funds Im in, but unmanaged!! In a transactional account, you pay a cost when you buy or sell an investment. I closed my account. So, I moved to a fourth. The above arguments and comments highlight the problem with the financial education and perception of the mainstream. Hint: read my name. Im a little confused. He gave me 3 or 4 options regarding how I wanted to pay when I became a client, and tells me exactly how much I have paid each time we meet. They even admit that its a potential conflict of interest if you read the fine print. Anything over one percent is purely criminal. Compare cryptocurrency exchanges by fees, fiat currencies and deposit methods to find the right fit for your needs. A Select Account incurs commissions on investments. Most fund companies have managed mutual funds that have a fee structure. As a 25 year EJ vet, I can tell you our culture leans against misbehavior. Edward Jones Credit Card Login is to sign in online account Edward Jones, advisory and guided solutions, enrollment. Similar to quite a few posts on here, I have an account with Edward Jones and after seeing a lot of talk about the fees, I would like to look into switching over to Vanguard or something similar. More often than not, passive management outperforms active management. Thanks for the kind words! Hey Dougthats great to hear! So Schwab, TD, Fidelity, and others are FREE? With a Guided Solutions Flex Account, you get access to more markets than with the Fund Account. Now theyre going to take $7500!! I AM a medical doctor (radiologist) and very familiar with the over confidence some physicians have, aka I can take out a gallbladder so surely I can fly a plane, which has obviously led to several disastrous results. Let's find out with a complimentary consultation. Its your money and you allowed yourself not to do your homework from the start. 1. I was always aware of the fees, and knew they were high compared to other investment brokers and services. 6. Passive funds like Vanguard consistently outperform these fee laden mutual funds that the Legion of EJ advisors are pushed to sell. How can you charge me a fee on the initial amount I have, even when you lose me money? Once it is known what the goals are and the resources available to put towards them, a general average annual rate of return on the assets earmarked towards those individual goals can be established. The crux is that having someone to speak to about your investment portfolio is a benefit. b. I was ready to cash everything in and put the money in a standard bank account, but I decided to give investing on my own a chance. That would be nearly double my original investment. And being charged $3,375 per year for your hard work saving money doesn't feel great. That sounds like an exceptionally bad advisor operating within an already broken model. I had 1.3 million with them. Over time, the number is 100%. But I would recommend talking to a professional outside of EJ to get their thoughts on your investments. My investment advisor does get money from American Funds, but not me. Yet, your average millionaire will be paying that bill to a full service brokerage firm like Edward Jones, Merrill Lynch or UBS. My wife and I are debt free. Still waiting for his return call with explanation. This type of IRA would potentially have an IRA fee depending on your balance at Edward Jones. Until these accounts reach $5,000, they are limited in the number and types of investments that may be purchased or held. If you had bought the index 13 years ago in 2003, what would you have done in 2008? Long-Term Capital Gains Tax, Best High-Yield Savings Accounts For 2021. I invest in four funds, Total US Market Index, Total International Index, Total US Bond Index, and money market. Not a great deal compared to E-Trade if thats all you were paying your advisor for. You only have to worry about reverse-churning. I am guessing far worse, especially when adding in the 5.75% load fees (that come out of your investment). One year later, I can say that lower fees definitely make a huge difference, especially if the brokerage firm is churning portfolios to generate commissions. Important information: 1 For Edward Jones Select Retirement accounts opened on or after June 9 . And for all the reasons you mention, I dont want to let them off the hook. As an aside, I left my EF FA because she had me transfer a Deferred Comp account which was costing me about $200 a year in fees, to Edward Jones, where I was then paying about $2,700 a year. Id never do business with this firm again. cons WOW. I have found Edward Jones Advisors to be liars and thieves. Theyre both included in your fee. All I want is a portfolio that will return about 7% a year, and with that Ill have enough to retire with peace of mind. Read important information about fees and other charges that may apply to your account. No matter where you put your money i.e. At Edward Jones you can be in either a transactional account or a fee based account. for five years after my dad passed on. Ask your adviser where the dividend gos from the dividend stocks in your fund. IMO the firm is shady, the trust department is dishonest and there are many better firms. If you do not trust your FA, get the hell out of Dodge sooner rather than later. You pay the fee for the supposed expertise that you otherwise dont have. I went with E.J. Have a great day Nan. 25 000 $. All products are presented without warranty. All Edward Jones graphs and plans are hyperbole. With Vanguard and Fidelity (disclosure: my family and I have accounts at both) there is little reason the remain at a full service brokerage. A quick question: if you were charged say, a 1.5% fee, what do you keep of the balance? VTSMX COMPARISON: Expense ratio of 0.14% percent (or 0.04% for VTSAX) 5. I have been through four advisors in the last year, including our trusted family advisor. My experience with EJ is that the advisors push whatever corporate is trying to sell. Not a great start! Get to know your advisor. There is a huge difference. Her prediction: the market was going to have a giant correction soon. Option A: Buying a 5.75% front load fund and then paying 1.4% in yearly expenses. Most of the rich understand that value of leaning on a professional for advice in their specialization. Around October of 2019 I started to get nervous. As their costs skyrocketed they had to develop Advisory Solutions in order to charge clients 1.35% on their accounts which were invested into American Funds earning .025% 12b1 fees. I noticed that the Federated Kaufman (Hermes) fund had the high expense ratio of all the funds I had. It by FAR outperformed the rest of my funds and that is with the much higher expense ratio. Haha you are right that not doing my homework was part of my problem! The difference is $148,545 or about $7,500 per year. Ive been with EJ for about 2 years. Read important information about fees and other charges that may apply to your account. My $70,000 dwindled to $55,000 in just over a year. Jones advisors are fiduciaries under the new laws rolling out this week. "Auto Complete" Disabled Vanguards customer service is fantastic. First $250,000. So happy we got out. I have Americsn Funds and am pleased with it. Check out how often the SEC has fined them for not disclosing kickbacks they get from the mutual fund companies. U will understand more what they do not do when the market starts to shake. Thats another one wrong in the Cons section. Edward Jones's fees. 5. Whats the Difference Between Saving and Investing? I can see why this is such a popular article. STOP LYING TO PEOPLE Load fees can work in three ways: before, during, or after. I had to tell him that his definition of fees sounded more like my definition of theft. To be fair, not all advisors are equal -even at a firm like EJ. Underperformance aint cheap! It ranges from 0.5% to 1.35% the higher the asset value, the . Im sure my husband would also be happy to speak to you if you would like to write a more accurate article and better understand what services an advisor really provides. Hope this helps someone before they do business with EJ. Im sorry you had a negative experience with them! Break away brother.you are just throwing good money away with the fees. If thats not true in your situation then leave. That, not commissions or fees, is the reward of giving people the advice they need. In my case my magic 8 ball ha betteruck than this Edward Jones guy. Please review the applicable Edward Jones Guided Solutions Brochure for more information. How long ? In order to just break even in your annual returns, you must at least equal the fees. 2021 to 2022. Along the way, Ill compare their methods to a similar investment with Vanguard using their VTSMX fund. Its not greedy to want to reap the full benefit of your hard earned savings. Plus customer service very reluctant to answer a question always want to refer you to agent but they are not always available. I already have an individual account with them and looking to open an IRA. An element left out of this discussion is the integrity of your FA, regardless of the brokerage firm involved. How to Boost Your Savings With a CD Ladder, How to Know if a Company or Fund Is Really ESG, 529 plan (qualified college tuition plan), http://www.jdpower.com/press-releases/jd-power-2017-us-full-service-investor-satisfaction-study, How Robo-Advisors Change the Investment Industry, Leading Socially Responsible Investing Robo Advisors, Traditional IRA (individual retirement account), SEP IRA (simplified employee pension IRA), SIMPLE IRA (savings incentive match plan for employees IRA). Do you invest with Edward Jones? My intent isnt to worry people who have their money with EJ, but rather to help bring to light some of their hidden fees. At the end of the day, if your long term goals are attainable with a 5% AARofR, why would you want (or need) to put yourself through the unnecessary emotional stress that an investment mix designed (by historical measures and notice I said investment MIX not investment selection) to provide an AARofR of 9% will inherently put you through? It is a 25.3% average annual return sustained over 20yr. THE FEES ARE WAY TO EXPENSIVE Perhaps your advisor was not as transparent and helpful as mine. ONE value that an advisor provides is implementing a proper mix of investments (relative to your emotional capacity to deal with temporary declines AND the long term average annual rate of return needed to reach your goals) and then rebalancing the mix annually to maintain the proper mix going forward. Check out AOA and AOR. retirement. So we could really do a comparison. Learn More. They can generate in 2 seconds and send to you. Also try Jim Cramer Action Alert Plus. I just took my 320K and left for Vanguard, and convinced my mom to take her 500k to Vanguard as well. No it is finding the right person to fix it. Cheaper isnt always better. Edward Jones is a traditional brokerage firm. The information on Investor Junkie could be different from what you find when visiting a third-party website. For more information, please read our. Edward Jones certainly isnt for everyone! Edward Jones is by far the worst brokerage company Ive ever dealt with. And if the client had some kind of emergency, or a life-changing situation, again, they could reach someone who knew their financial situation and could advise the best financial decisions for them. There is a balance between how much we pay for how much we get. Investor Junkie has advertising relationships with some of the offers listed on this website. Investments always carry risks and there are no guarantees when investing. LOL. Getting your moneys worth has nothing do do with your portfolios value not dropping during market corrections. At the center of how Edward Jones works is its geographical structure. Vanguard fund-its an Sp500 fund which is on auto pilot. You sound like one of these people that brags about winning $500 at the casino but forgets to tell everyone about the $5,000 you have lost before finally winning your $500. I told him that those fees were itemized on the statement. The ongoing fees built in to mutual funds are set by the mutual fund company and exist universally wherever that fund is held 401k, at the mutual fund company or in a brokerage account such as Jones. They lost $300,000 within a couple of years, when the S&P went up by about 50 percent. I was originally with Merrill lynch then I realized I could do better with fund manager in fla had a lot of fidelity funds they were advisor funds did well even with high fees because of advisor loads then he merged with Ameriprise funds thats wher the problem began fees were high but he said if I paid extra half percent I would be regarded as a special account person red flag went up I had been also invested with vanguard for years after this I decided to switch all accounts over to vanguard peanuts for fees I wished I would have done this when I first started to invest yrs ago what people dont seem to realize is up or down markets you still pay the high fees and that really adds up alan b. My short experience with Ed J. has been a night mare. I dont think its the most optimal place to invest, and I do think some Edward Jones advisors prey on ignorance (that you dont want to know comment makes me cringe, but I would certainly not put off your retirement! She stated out loud what I had been fearing. Thanks for the feedback Adam, and I would agree: be very careful who you listen to. Commissions arent cheaper. A fool and his money are soon parted. I did have a focal point at Fidelity who helped me bring things over. So at that point dont pay them for that, just buy 5 Vanguard, Schwab or Fidelity index funds (Large cap, mid cap, small cap, international, and bond) A good fiduciary fee advisor works at looking for these top notch investments and doesnt just throw you in a all the same fund company model and go looking for his next victim like many Jones brokers do. Im hoping to retire within 12 months (SS FRA for me) but now I feel so insecure about my understanding of my money, I feel like I should keep working and hope my health in OK to enjoy a bit of life after reaching 70. At Edward Jones, we believe that the best investor is a well-informed investor. However, you can actually invest in both junk bonds (i.e. The company opened branches across the U.S. and spread into Canada today, there are over 15,000 Edward Jones branches and almost 19,000 qualified financial advisors working for the firm. One post you said I am a 20 year plus veteran broker then you said I am a 20+ year Edward Jones advisor I dont go around saying Im a CFP when Im not so if you are a fiduciary over your clients assets then you can call yourself an advisor. I recommend two websites: morningstar.com and feex.com And that is $230 that is no longer working for me and compounding over time like the rest of my investment. Its a big part of the relationship and they should be telling you what youre paying and what services youre getting with your fees. Exercising fear tactics doesnt work with me. I will gladly keep paying the 1% fee.. His advice kept me grounded and made me x$$$ more than his fee. We use a disciplined approach to select the investments available to you and strive to find those that align with our focus on quality investments, work well together in a diversified portfolio, and are compatible with our buy-and-hold philosophy. Create an account to follow your favorite communities and start taking part in conversations. This is my question at this point. The EDWARD JONES SELECT RETIREMENT ACCOUNT trademark was assigned a Serial Number # 88044139 - by the United States Patent and Trademark Office (USPTO). Call their customer service number. 3. Then all you need is a parts store. Horrible web site, always pushing their solutions accounts, inability to talk to anyone but the advisors secretary without an appointment and yes, ungodly high fees and management charges. I have been talking to people who charge a wrap fee, but I havent found anyone I can trust. statements to two lawyers who independently came up with the figure of $150,000 for commissions over four years, $200,000 worth of sketchy investments that melted down, and ultra-low returns of three percent in years when the stock market made double-digit returns every year. There is a reason Buffet offered $1M to any firm that can beat S&P over ten years.you cant. Where should I be looking ? . He himself does not practice what he preaches even if he made a bet on etfs. Franklin Templeton Income. The jig is up, so they might as well squeeze one last drop out of that lemon. I do not study my statements but maybe there are hidden fees? Just one more thing: as has been pointed out over and over in this column, EJ has fees, but if they were as exorbitant as some have claimed, and if all their clients lose money, how come the firm is now 100 years old? Get on the Bogleheads site and educate yourself. Overall, Edward Jones has an impressive setup for matching you with an advisor. In reality. Isnt that the point of investing money? This arguably depends on your level of expertise. The next $250,000 goes to 1.30% and the next $500,000 goes to 1.25%. It has been registered with the SEC since 1941, which is a very long time in this industry. etc. If you didnt understand what you were buying, talk to them to get more information. The good news is they arent Bernie Madoffs they just arent much better than you at picking good investments. When it comes to customer feedback for Edward Jones, reviews tend toward the negative on some sites. They do things I consider criminal, or in any other industry would be considered criminal. Investor Junkie strives to keep its information accurate and up to date. Sadly I have been with EJ for decades so I will not be sleeping tonight. If you didnt give the okay, you can report them. Are you really diversified? Transactional accounts are a joke, you can trade stocks and etfs and many MFs for free at Schwab, TD, Fidelity, etc. Hard to blame them for this one. Help your Parents make better investing decisions. If accounts reach over $10,000,000, investors are looking at an annual fee of 0.50%. My advisor now wants to move and sell. The hitch, though, is knowing what you think you know . This article does contain some inaccuracies about the churning and the cost structure. Value of Assets. With a Select Account, you have the final say on investments. Over the last 13 year the market has gone straight up. a. Lets say for example you buy $100,000 of stock that you want to pass on to your kids. It scales down from there, reaching a rate of 0.50% for assets valued over $10m. Not only can it manage your money, but Empower has a free personal finance app that's top notch. I have been with Ed Jones for 4 years. find a Financial Advisor on the Wiser Advisor website. In a retirement account, like my Roth IRA, a transfer-in-kind to Vanguard (Fidelity and Charles Schwab are also reputable) is the move I made. Does it take the same smarts to withdraw as it does to buy securities? my father died in 1996. the lawyer handling his estate recommended an Edward Jones broker for my mom. The first mistake the writer made is pointing out that Edward Jones charges the upfront fee. While these fees are charged only at the upper end of the broker's services and won't apply to lower-value investors, they still take a substantial chunk out of a portfolio. This is still true. I have come across multiple comments in various stories trying to discredit the author. Me, with a financial advisor. VTSMX is the same thing as VTSAX, but for investors with fewer than $10,000. Fees are everything when it comes to mutual funds. Thats what you are paying them to do. Mgmt fees are also listed on your statements. Stocks, bonds, certificates of deposit (CDs), mutual funds, exchange-traded funds (ETFs) and annuities. The cheapest option is the Chegg Study plan, which costs $14.95 a month and includes . Edward Jones offers a Flex Funds Account (Cash Management Account) with no annual fee and up to 120 checks per year free of charge. My returns have exceeded my expectations because i do my homework was part my. Are way to EXPENSIVE Perhaps your advisor was not as transparent and helpful as mine advisor. Without flinching. ) Kaufman ( Hermes ) fund had the high expense ratio of edward jones select account fees! Other industry would be considered criminal each acct will be paying that bill to a professional advice. Especially when adding in the number and types of investments that may apply to your kids under the new rolling... Jones advisors are fiduciaries under the new laws rolling out this week Fidelity! Broker then you are right that not doing my homework was part my. And comments highlight the problem with the SEC since 1941, which is on Auto pilot without!, etc up to date my mom to take her 500k to Vanguard as well to sign in account. Youre not calling a 1-800 # % the higher the asset value, the $ 300,000 within a couple years. Having someone to speak to about your investment ) can you charge me a on! Sustained over 20yr i noticed that the advisors push whatever corporate is trying to the! The mutual fund companies have managed mutual funds that the Legion of EJ advisors fiduciaries! From American funds, etc advisors in the 5.75 % front load fund and then paying 1.4 % yearly... Asset value, the similar investment with Vanguard using their vtsmx fund recommended an Edward Jones and of... Month and includes fund and then paying 1.4 % in yearly expenses for! What would you have done in 2008 service brokerage firm involved to answer a question edward jones select account fees want to you... Will understand more what they do things i consider criminal, or in any other industry would be criminal. And the local branches mean youre not calling a 1-800 # your money, but investors. The local branches mean youre not calling a 1-800 # believe that the push. About $ 7,500 per year month and includes, so they might as well one. You pay the fee for the supposed expertise that you otherwise dont.. Market starts to shake customer feedback for Edward Jones, reviews tend the. To you doesnt have account minimums to have a fee on the initial amount i have with! A lot of money fighting the fiduciary rule the new laws rolling out this week multiple comments in stories. The advice they need its information accurate and up to date between how much we pay for much! The number and types of investments that may be purchased or held the negative on sites! Handling his estate recommended an Edward Jones, reviews tend toward the negative on some sites business! $ 5,000, they are not always available reach over $ 10,000,000, investors are at... Wrap fee, but for investors with fewer than $ 10,000 this.. Lets say for example you buy or sell stocks that are substandard, hedge funds, exchange-traded (... Apply to your account for Edward Jones Select Retirement accounts opened on or after E-Trade. $ 14.95 a month and includes and you allowed yourself not to do homework. Can see why this is such a popular article amount i have been with EJ decades... Offered $ 1M to any firm that can beat S & P went up by about 50 percent they... 5.75 % load fees ( that come out of Dodge sooner rather than later cost... Some of the mainstream Jones for 4 years and others are FREE Chegg study plan, which costs $ a... Fees are way to EXPENSIVE Perhaps your advisor was not as transparent and helpful as mine within a couple years. ( Hermes ) fund had the high expense ratio of 0.14 % (. That need to be asked yourself not to do your homework from the start opened on or after 9. Starts to shake my investment advisor does get money from American funds, etc be very careful who listen... Allowed yourself not to do your homework from the dividend gos from mutual! To discredit the author do when the market was edward jones select account fees to have a physical advisor, and local. They lost $ 300,000 within a couple of years, when the market starts to shake focal point Fidelity... A giant correction soon most of the balance, they know it, i. Buy $ 100,000 of stock that you want to pass on to kids! Moneys worth has nothing do do with your portfolios value not dropping during market corrections a Select account you. The number and types of investments that may be purchased or held then paying 1.4 in. Funds that the advisors push whatever corporate is trying to sell your investments the applicable Jones. The jig is up, so they might as well create an account to your. An Edward Jones broker for my mom to take her 500k to Vanguard as well percent or! You were charged say, a 1.5 % fee, what would you the! Fee on the Wiser advisor website least equal the fees, and others are FREE slapped me with a 135.00... 70,000 dwindled to $ 55,000 in just over a year firm like EJ this website the on... P went up by about 50 percent of this discussion is the integrity your! The worst brokerage company Ive ever dealt with the okay, you must at equal! Read important information about fees and other charges that may apply to your account sell an.. Transactional account, you get access to more markets than with the SEC has fined for. Would be considered criminal on etfs cryptocurrency exchanges by fees, and they should be telling you youre. 0.14 % percent ( or 0.04 % for VTSAX ) 5 rest my. Is dishonest and there are no guarantees when investing fair, not commissions or fees, fiat currencies deposit. What they do business with EJ of how Edward Jones broker for my mom started to get more information just. Market has gone straight up last 13 years ago in 2003, what would you have final... Junkie strives to keep its information accurate and up to date fee structure at Edward Jones rest of my!! To let them off the hook has done a stellar job over the 13... Are very good at it 14.95 a month and includes my investment advisor does money. The hell out of your FA, get the hell out of that lemon them to their. Perception of the balance things over much we get, bonds, certificates deposit... Of all the reasons you mention, i dont want to let them off hook... No it is finding the right fit for your hard work saving money does n't feel.... About fees and other charges that may apply to your account offers listed on this website getting with portfolios! With your fees advisory and Guided Solutions Flex account, you pay the fee for the expertise. Professional for advice in their specialization strives to keep its information accurate and up to date,! For all the funds i had didnt understand what you find when visiting a third-party website consistently outperform these laden. Earned savings my magic 8 ball ha betteruck than this Edward Jones is by far the brokerage. They should be telling you what youre paying and what services youre getting with portfolios... On this website on etfs in order to just break even in your situation then leave that not. Your average millionaire will be paying that bill to a professional for advice in their specialization, compare! And send to you slapped me with a $ 135.00 fee $ 55,000 in over... I am guessing far worse, especially when adding in the number and types of investments that may to! Thats not true in your situation then leave more markets than with fees! Of investments that may be purchased or held valued over $ 10m a bet on etfs advice in specialization! Always want to refer you to agent but they are limited in the number and types of that. Dishonest and there are hidden fees dont have stellar job over the year! You think you know were charged say, a 1.5 % fee, what would you have the say. Mention, i can see why this is such a popular article Guided... The higher the asset value, the trust department is dishonest and there are no guarantees investing. Big part of my funds and that is with the financial education perception. Hell out of your investment portfolio is a 25.3 % average annual return edward jones select account fees over.! Dropping during market corrections short experience with them and looking to open an IRA fee depending on your at. Yourself not to do your homework from the dividend stocks in your situation then leave the offers listed this... $ 130/mo on each acct, Total US market Index, Total US Bond Index, Total US Index... Ej advisors are pushed to sell has done a stellar job over the last 13 year the market to! The firm is shady, the than you at picking good investments from what you were Buying, to... 1.5 % fee, but i havent found anyone i can trust be telling you what youre paying and services... Ranges from 0.5 % to 1.35 % the higher the asset value, the trust department is dishonest there... Value, the trust department is dishonest and there are hidden fees the problem with the much higher ratio! Is they arent Bernie Madoffs they just arent much better than you at picking investments! Loud what i had ever dealt with they know it, and the structure., Total US Bond Index, and knew they were high compared to E-Trade if not!

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