Dave Ramsey Chapter 4 Sect 1
Summary
TLDREl guion del video aborda la crítica a la cultura del endeudamiento, argumentando que la deuda es una elección y no una necesidad. El orador desafía las nociones convencionales de que el crédito y el consumo son inteligentes, y en su lugar, promueve la prudencia financiera y el ahorro. Destaca la importancia de la autodisciplina y la planificación financiera para evitar la esclavitud a los prestamistas, y desmitifica la idea de que el endeudamiento es esencial para la educación, la vivienda o el estilo de vida. Al final, alienta a los jóvenes a desafiar los mitos financieros y a tomar decisiones sabias para asegurar su futuro económico.
Takeaways
- 💳 La persona entrevistada tiene múltiples tarjetas de crédito y utilizalas extensamente, incluyendo para viajes y reservas de hoteles.
- 💰 Se menciona que los puntos de recompensa de las tarjetas de crédito pueden ser muy atractivos, llegando a pagar boletos de avión con puntos acumulados.
- 🏦 Se destaca la facilidad con la que se pueden adquirir productos y servicios mediante tarjetas de crédito, y cómo esto puede llevar al endeudamiento.
- 📈 Se critica la cultura del endeudamiento y se argumenta que la deuda es perjudicial, contraria a la mayoría de los mensajes culturales actuales.
- 📚 Se enfatiza la importancia de cambiar la perspectiva cultural sobre la deuda y se sugiere que vivir sin ella requiere un cambio de paradigma.
- 🏘️ Se menciona la historia de la tarjeta de crédito, desde su creación en 1950 hasta el surgimiento de las principales marcas como Visa y Mastercard.
- 📊 Se comparte estadísticas sobre la cantidad de ofertas de tarjetas de crédito y la aceptación de estas por parte de los consumidores.
- 📉 Se critica la comercialización de las tarjetas de crédito y cómo se presentan a los consumidores, comparándolas con productos que se deben desear y obtener.
- 💬 Se discute la idea de que la deuda se ha convertido en un producto vendido efectivamente, y cómo esto ha llevado a una mayor aceptación y dependencia de la deuda en la sociedad.
- 💼 Se relata la experiencia personal del narrador con la deuda, desde su inicio en la vida adulta hasta su decisión consciente de pagar todas sus deudas y vivir sin ellas.
Q & A
¿Cuántas tarjetas de crédito suele tener la persona que habla en el guion?
-La persona menciona tener una gran cantidad de tarjetas de crédito, incluyendo Visa, American Express, Discover y otras tarjetas de tiendas específicas.
¿Por qué cree la persona que utiliza tarjetas de crédito es tan tentador?
-Dice que los lugares donde va hacen que sea muy fácil y tentador usar todas las tarjetas de crédito que posee, ya que se utilizan para todo, desde compras hasta reservas de hoteles.
¿Qué tipo de recompensas ha obtenido la persona por usar sus tarjetas de crédito?
-Ha obtenido recompensas en efectivo, lo cual considera una gran oferta, y menciona que sin ellas no habría podido tomar un viaje a París.
¿Cuánto dinero tuvo que gastar para obtener 275 dólares en recompensas según el guion?
-Tuvo que gastar 30,000 dólares para obtener 275 dólares en recompensas.
¿Qué lección particularmente difícil se menciona que tiene el orador que está dando la charla?
-La lección difícil es convencer a la audiencia de que la deuda es una mala idea, lo que va en contra de la cultura actual que promueve la deuda como una forma inteligente de manejar el dinero.
¿Qué ejemplos históricos se mencionan en el guion sobre la actitud hacia la deuda en el pasado?
-Se mencionan ejemplos como la visión de la deuda como una locura en el catálogo de Sears de 1910, J.C. Penny y Henry Ford que no ofrecían crédito en sus tiendas o autos respectivamente debido a su desagrado por la deuda.
¿Cuál fue el primer tarjeta de crédito mencionado en el guion y quién lo creó?
-El primer tarjeta de crédito mencionado es Diners Club, creado por Frank McNamara en la ciudad de Nueva York.
¿Cómo se describe el enfoque de las tarjetas de crédito en los comerciales según el guion?
-Se describe que los comerciales de tarjetas de crédito son brillantes y esperanzadores, pero su objetivo es distraer a los consumidores de las condiciones legales y detalles de la deuda que se encuentran en los avisos legales.
¿Qué consejo se da a los jóvenes en el guion sobre la deuda y la compra de vehículos?
-Se aconseja a los jóvenes no caer en la creencia de que necesitan una nueva carro para lucir bien, y en su lugar, ahorrar y comprar un vehículo usado en efectivo para evitar la deuda.
¿Qué es una de las mentiras específicas que la gente cree sobre la deuda que se menciona en el guion?
-Una de las mentiras específicas es que necesitan construir crédito, lo cual el orador desmiente argumentando que no hay razón para endeudarse y que el objetivo debe ser evitar la deuda.
Outlines
💳 La cultura de las tarjetas de crédito
El primer párrafo aborda la tendencia cultural de acumular tarjetas de crédito y cómo se ha vuelto una práctica común en la sociedad. La persona entrevistada menciona tener múltiples tarjetas, incluyendo Visa, American Express y Discover, y utiliza todas ellas para compras y reservas de hoteles, enfatizando en los beneficios que recibe en términos de recompensas. Además, se discute la facilidad con la que se pueden adquirir productos y servicios a crédito y cómo esto puede llevar a la acumulación de deudas. El locutor del vídeo desafía esta cultura pro-deuda, argumentando que la deuda es una elección estúpida y contraria a la sabiduría financiera tradicional.
📚 Historia y cambio de paradigma sobre la deuda
Este párrafo explora la historia de la creación de tarjetas de crédito y cómo la percepción de la deuda ha cambiado a lo largo del tiempo. Se mencionan figuras históricas como J.C. Penny y Henry Ford, quienes eran escépticos de la deuda. Se destaca la introducción de la tarjeta de crédito Diners Club en 1950 y la evolución de Visa y Mastercard. El locutor enfatiza la importancia de desafiar la narrativa cultural dominante que promueve la deuda y abogar por un cambio de paradigma hacia una vida sin deudas.
🎯 El enfoque distorsionado de la publicidad de tarjetas de crédito
El tercer párrafo critica la publicidad engañosa de las tarjetas de crédito, que promueve un estilo de vida de deuda presentándolo como algo deseable y emocionante. El locutor sugiere que los comerciales están diseñados para distraer a los consumidores de las verdaderas implicaciones de la deuda, comparándolos con los gatos que se distraen con luces brillantes. Aboga por una mayor conciencia y crítica hacia los mensajes de la publicidad y la toma de decisiones financieras más informadas.
🏡 La trampa de la deuda y la compra de bienes raíces
Este párrafo narra la experiencia personal del locutor y su esposa al comenzar su vida matrimonial con deudas y la presión social de adquirir bienes raíces sin fondos iniciales. Describe cómo la 'financiación creativa' y la falta de ahorros los llevaron a adquirir una casa sin dinero de emergencia, lo que a menudo conduce a problemas financieros mayores. El locutor subraya la importancia de la libertad financiera y cómo la deuda limita las opciones y la estabilidad en la vida.
💸 Debunking los mitos financieros comunes
El último párrafo aborda varios mitos financieros que afectan a los jóvenes adultos, como la creencia de que es necesario acumular crédito o que se puede adquirir deudas en la universidad para pagarlas más tarde. El locutor argumenta que estos mitos son engañosos y promueven una cultura de deudas. Aboga por la autodisciplina financiera, la evitación de la deuda y la importancia de ahorrar y pagar en efectivo para tener opciones y libertad en el futuro.
Mindmap
Keywords
💡Deuda
💡Tarjetas de crédito
💡Premios y recompensas
💡Cultura del endeudamiento
💡Autonomía financiera
💡Ahorro
💡Compromiso
💡Economía de gasto
💡Mitos financieros
💡Autocontrol
Highlights
Individual carries multiple credit cards, including store cards, Visa, American Express, and Discover.
Ease of using credit cards in various places inclines people to use them for all purchases.
Rewards from credit cards, such as cash back, influence spending behavior.
The speaker challenges the cultural acceptance of debt, advocating for a debt-free lifestyle.
Debt is positioned as a cultural paradigm that needs to be shifted for financial health.
Historical perspective on credit cards and the evolution of consumer debt.
The speaker humorously compares the marketing of credit cards to a cultural lie that became accepted as truth.
Credit card commercials are criticized for their misleading promises and shiny distractions.
The concept of 'negative sale' in credit card marketing, where consumers beg for debt.
Statistics on the credit card industry's revenue and its impact on consumer behavior.
Personal anecdotes from the speaker about the struggles with debt early in life.
The importance of being debt-free for financial freedom and the ability to pursue life goals.
Myth-busting segment where the speaker addresses common financial fallacies about debt.
Advice for young adults to avoid common debt traps and the importance of saving and cash purchases.
The speaker emphasizes the psychological impact of debt on relationships and the stress it causes.
Final thoughts on the liberating effect of being free from debt and the joy it brings to life.
Transcripts
[Music]
[Applause]
[Music]
[Applause]
[Music]
so
[Music]
tell me uh how many credit cards you
currently have i carry one card
two like 10 probably like all the store
ones with everything
ham like a visa couple american express
one here comes another one another
discover and wow
when you go in places they make it so
easy for you
that you are inclined to use them all my
shopping hotel reservations
absolutely everything everything
everything
all sorts all sorts of things i use it
just about for everything that i
do all my purchases right now because of
the rewards that i get from the car
now what kind of rewards have you been
able to get cash back
it's a good deal oh it's a fantastic
deal we wouldn't have taken the trip
unless we had done that
wow unless you went into credit card
debt you would have never been able to
take that paris trip i guess so yeah
so 120 000 gets you a couple of
round-trip tickets exactly
now how much did you have to spend to
get that 275. 30 000
is that kind of good math to spend 30
000 to get 275 back
you show me something better and i'll
sign up for that one
[Music]
tonight's lesson is particularly hard
for a speaker a teacher like me
because see my job is to bring you ideas
that you accept as your own that's
called learning
if you accept them as your own it's
going to cause you to go
do things differently than you used to
do things
the problem i've got this evening is
i've got an uphill battle
because this lesson goes directly
perpendicular against
everything in our culture just about
every message out there
talks about how smart and wise you are
to go into debt and i am going to make
the rarefied and crazy statement
that i think debt is dumb i think it's
stupid
oh a few of you are kind of getting the
idea that maybe that'll work you know
but if can you imagine if i go into a
public setting and i'm speaking
you know in a motivational seminar with
a big lineup a big name seminar guys and
that kind of thing and i get up there
and i'm the guy
saying in this culture car payments are
stupid credit cards are dumb and a home
equity loan is crazy
i mean can you imagine that i'm the guy
that says you can be a student without a
student loan
i mean that is exactly against
everything you hear out there
and so what i've got to do is more than
just merely
tickle your brain a little bit to get
you to look at things differently i've
got to completely
crush a cultural paradigm
to even be heard on this subject i'm
going to attempt to do that in our time
together with some of you it will work
and some of you are going to go
he's just crazy the boys just lost it
and that's fine i'm cool with that
because well you know we've already
figured out normal is broke
and i don't want to be normal my goal is
total weirdness
you know the wall street journal says 70
of americans are living paycheck to
paycheck i don't want to be normal
figure out what most people are doing
out there don't do it you're in pretty
good shape
that's an idea but when it comes to this
debt subject
you know if you tell a lie you spread a
myth loud enough long enough and often
enough
eventually it becomes accepted as the
truth
you know if i get my compass out i could
establish really quickly that
right through there is north according
to a compass
now there's always some that will
argue with that isn't there
but that's the truth but if i spent 482
million dollars a year per year for a
decade or two trying to convince people
that was north
some would begin to believe it because
they saw it on television so it must be
true
everything on tv is true isn't it i mean
reality tv is real isn't it
come on i mean really isn't it amazing
how we just buy into this stuff and
that's what we're talking about here
and see debt has been marketed to us
with such intensity with such
sophistication
and the marketing and with a large
amount of marketing dollars for so long
that to even imagine living without debt
requires a complete paradigm shift
a completely new way of looking at
things
now the way you get a paradigm shift the
way you get a new
way of looking at things is you put
stuff into your brain that wasn't in
there before and that's what we're going
to do tonight
you know when you read a book and you go
wow that's i never thought of that that
way before and it gives you a new way of
looking at marriage or a new way of
looking at raising kids or a
new way of you know controlling your
physique and losing weight or
or building muscle or learning to run or
ride bikes or whatever it is you're
going to do when you get a new way of
doing things from
learning and that's what we're doing
here tonight so congratulations for
being with us
you know our great great grandparents
thought debt was a sin
i mean think about it here's some
interesting actual facts
the 1910 sears catalog
now this is sears credit card
city sears the 1910
sears catalog said buying on credit
is folly now that's another generation
isn't it
jcpenney mr j.c penny
was nicknamed because he was so tight
james cash
penny because he didn't believe in debt
and while he was alive j.c penney the
stores offered no credit
ever henry ford of ford motor company
fame
hated debt ford motor never offered
credit on cars
until 10 years after general motors did
because of henry's personal disdain for
debt
these are actual facts but that's a
whole
two three generations ago almost now
isn't it
and we look back there our great great
grandparents basically thought
debt was a sin our grandparents they
thought debt was really dumb and they
borrowed on a couple of things and
you know so around 1950 we see the birth
of what we now call the credit card by a
guy named
frank mcnamara frank printed up some
plastic cards in the city of new york
city and and started handing them out as
a way to go
several restaurants began to accept
these cards and it was the very first
credit card out there it was called
diners club
and it is still around out there
actually around 1958
out on the west coast there was a little
company called bancomera
card sprung up which was the precursor
and later became known as visa
in 1958 american excess i mean
express was born so these are
this is some interesting history on this
see our grandparents thought debt was
dumb our parents come along they start
to borrow on everything by 1970 only 15
percent of americans owned plastic
in 1976 bank americard changed its name
and became visa just 30 some odd years
ago
visa in the scope of the history of the
world is a fairly new product
and here's an interesting one too some
of you didn't know this back in 1986
sears got in a little dispute with visa
didn't like the fee structure
so they said we'll show you we'll just
start our own brand
and discover card was born by sears and
it was became the most profitable
division of sears and when sears got in
financial trouble the way they survived
that financial upheaval was they sold
off the discover card
accounts and brand and made a ton of
money on it
so our great-grandparents thought debt
was a sin
our grandparents thought it was really
stupid our parents borrowed on a few
things we come along we borrow on
everything
i when you go down a pet store you get
90 days same as cash on rover
come here baby repo man's here
and over 6 billion credit card offers
went out last year
6 billion that's 6 000 million and 18
million people accepted it
one of my listeners mailed me this in
for my radio show
from bank one it's the bank one
platinum mastercard it's interesting
it's uh
it says solid line of credit up to one
hundred thousand dollars
it's addressed to mr toby cocker
on rocky mountain parkway and my
listener wrote across the front dave
this is my dog's name
toby the cocker spaniel
[Music]
and toby's been dead four years
six billion credit card offers out there
including mr toby cocker
what we're saying here is is that banks
are very very good at selling
their product and what you and i have
got to realize as consumers is
debt is not a privilege that is a
product i love credit card commercials
they're so
bright and shiny and hopeful but do you
know why they are
they want to distract you they want to
distract you from what's really going on
they don't want you to see that
paragraph of copy at the bottom
the legal disclaimer so they try to
distract you with the bright and shiny
but do you know who else gets distracted
by things that are bright and shiny
cats cats love lasers
they are amazed by a laser so when we
talk to you about your finances and
being smart with your money
when rachel talks to you and dave talks
to you we're not saying hey you need to
be a financial expert today
you need to get a phd in finance we just
want you to make better decisions
than cats that's a really low bar i
think we can get over it but
credit card commercials sometimes make
it hard sometimes they try to confuse
you
with something that's shiny or they do
even worse they compare themselves to
something they're not
they'll say it's not a credit card it's
not a credit card
it's a doorway to adventure it's a
passport to a new life
that sounds like there'll be a unicorn
involved now
here's the problem when a credit card
does that i think we should do that too
like if a credit card is going to
compare themselves to something they're
not
why don't we do that imagine if you
dated a girl who treated you
like a credit card does what if in the
middle of dinner you were just having
dinner and she declined you right there
she just left the date that would be a
bad girlfriend wouldn't it
what if after a bad relationship your
dating score was really low
you had a bad dating score and everybody
else who met you at a party would say
you're really interesting i like you you
seem neat but what happened in ohio in
2009
you've got a really low dating score
imagine if your girlfriend sold that
relationship to somebody else
because that happens with credit cards
all the time i mean imagine if you came
to pick her up for the prom and he
knocked on the door
and it opened and there was a tall man
in his 50s with a mustache and he said
your girlfriend told me the relationship
i'm so excited about the prom
that would be a bad dating relationship
so the next time you see a credit card
commercial
don't get lost in the shiny or the
bright or the over promise ask yourself
what are they really trying to tell me
right now because i promise it's
probably not the message you see
first
[Music]
how many of you own a business or in
sales of any kind raise your hand
how would you feel if monday morning
when you got to the front door there
were people lined up down the street
on one knee saying please sell me your
stuff
you say well i'll have to check your
credit
wouldn't that be an interesting way to
be see if you and i had done as good a
job selling our stuff
as the banks have selling americans on
believing
debt is necessary to to exist and debt
is necessary to prosper
now we go in to buy their product on
bended knee
we go in and say please sell me your
debt and then when they approve
us to buy their product it's like
getting accepted to a country club that
nobody can get in you know it's like
i i gotta you know i've got a plutonium
card
i i was accepted isn't that that's
tremendous marketing it's called a
negative sale
when you can get someone wanting
something take it away from them so they
chase you to get it
that is powerful because everybody wants
to get into a crowded restaurant don't
they
everybody wants to buy something that's
no longer on the shelves don't they that
scarcity kind of feeling
and that's the way debt has been
marketed and very effectively to where
now
we think we're someone if we get
approved isn't that an interesting
twist and how they've been able to pull
that off culture wide
i think it's excellent i think they're
they're very very smart
and i think they're very good at what
they're doing but you know
if we go into any other store and the
salesman comes up and says
can i help you please you say oh no i'm
just looking
i mean what if you went into a bank and
they said can i help you please you said
no i'm just looking
instead you go would you please give me
a car loan please
because i need a car we're begging
them to buy from them
that's excellent excellent marketing and
now we've reached the point that
25 percent of families now have a
negative net worth
and i just pulled this up today this is
very interesting
last year the gross revenues for the
credit card industry
was over a hundred and fifty billion
dollars as a whole that is more than the
gross national product
of egypt puerto rico and the bahamas
combined
this is a big deal and these guys are
very good at what they're doing i'm not
saying they're evil and i'm not paranoid
i don't think there's a conspiracy
i just think they're a lot better at
selling than we are at not
buying i think they're excellent at what
they do
and i'm really kind of in awe of them in
an evil whacked out sort of way
[Music]
[Applause]
the rich rules over the poor the
borrower is
slave to the lender
slave to the lender you see what happens
to most of us is we get out of school we
get married right
no this is not marriage
but sharon and i we got out of school we
had a little bit of a student loan debt
we had too much on a mastercard and a
lot on an amaco card because when i was
in college i bought a couch on my amaco
card
i don't think you're supposed to do that
are you guys said it was okay though
and we started off our lives broke you
remember when you started off broke we
ain't got money honey but we got
love good thing too because we ain't got
no money
and we were eating in off a card table
driving a 1902 pinto just getting our
lives started you remember
and and that's about the time all those
pintos were blowing up i don't know if
any of you remember that or not
and my wife was driving the pinto so we
were getting a little worried here my
buddies are going but you got good life
insurance don't you
so i got all embarrassed went and bought
my wife a brand new car i wanted
yeah some of the ladies understood that
one yeah
and then we're in this little apartment
watching this television sideways that
we bought at a
a at a garage sale and and so i went
down to one of the electronics store and
to get me a good television
90 days same as yeah you know about that
because i'm a finance major i'm going to
get that free money
i'm going to use that free money i'm
going to beat them up and i bought a
stereo television which meant i had to
get a
stereo and then i had to get an
entertainment center to put all this
stuff
in now we're in a one bedroom flea bag
apartment eating off a card table but we
have a
stereo system shaking eight block area
priorities baby priorities and that's
how we started off our lives and then
our friends came over and said
oh you've been married 20 minutes and
you haven't bought a house yet
oh renters go to hell
oh you can't be a renter got to buy a
house got to buy a house got to buy a
house got to buy a house got a house now
listen i want you to get a house
but broke people shouldn't buy a house
[Music]
that blessing will turn into a nightmare
and so we went and we got a house with
nothing down because that's what we had
to put down nothing
they called it creative financing we
thought it was creative
here we got no money we signed our name
and got a house
this is just good in america what a
country
and we bought a house in the same
neighborhood that i grew up in
you see larry burkett used to say we
spend the first five to seven years of
our marriage trying to attain the same
standard of living as our parents
only takes them 35 years to get there
so we're in the same neighborhood as mom
and dad had a better car than mom and
dad
and for sure had a better stereo system
than mom and dad
that's how we started off our lives we
have people that look like this coming
to our office all the time
they're going dude can you get me out
see the sad thing is 52 percent of the
marriages in america end in divorce
of those that divorce in the first seven
years well guess what they tell us
90 percent of those say marriage
problems
caused the young marriage to crash money
problems
caused the young marriage to crash
you see it's no fun like this to be
married you know why your leg gets tired
so we made a decision sharon and i that
the borrower really is
slave to the lender that that's as true
as the fact that that is north
it's the truth whether we liked it
whether it was convenient whether it
hurt our feelings
it was still the truth
and we made a decision to get out of
these things and we worked like animals
we sold stuff we drove old beat up used
cars our kids grew up in consignment
sale yes
experienced clothing but their college
fund was funded oshkosh bagash
and we made a decision we weren't living
like everybody else we figured out what
normal was and we didn't want any part
of it
it took us a while took us a lot longer
than some of you that are working our
program
but finally we reached the point finally
we
we busted it and we pushed and we
twisted and we turned and we
sacrificed and we didn't go on vacation
and we did all the stuff we talk about
all the time
finally we paid off everything even the
[Applause]
house
you know what you can do if you don't
have any payments anything you want
you know how hard it is to make money
save money give money and invest money
when you don't already have everybody
else's name on your money
before it comes in it's easy to make
money save money give money and invest
money
when you don't have someone else's name
on everything you have
when all the money comes in and all the
money goes out and only the names are
changed to protect the innocent it takes
all the fun
out of the deal but dave
[Music]
what about and that's what i get when i
go around the country talking about debt
people generally go yeah debt's a bad
thing and we borrow too much in america
we get that dave we understand
and it's a concept and a philosophy and
a theology we grasp that but dave what
about
and then there's their little thing that
they think is different
and we all used to get these butt daves
so much
that we finally on our talk radio show
the dave ramsey show we started doing a
butt dave theme hour
where you could call in and ask me about
your butt dave
and we would go into it and i started
hearing and what i started realizing is
is that people
not only had believed the overall myth
that debt was the way to win with money
but they had all of these very specific
little lies
built into the big lie that they had
believed we call them myths
if you spread a lie tell it often enough
and loud enough eventually it becomes
accepted as the truth
so what we're going to do in this lesson
is we're going we are going to pop
we are going to debunk the myths
there are several financial myths that
young adults fall for
the first one is that you have to build
credit that drives me crazy
because credit is not necessary to
survive
you need to know that the credit
industry wants you to believe this
they know that if they can make people
think that they need to build their
credit
then they're giving you a reason to go
into debt the truth is
there is no reason to go into debt
we're the most marketed to country in
the world
watch the commercials when you get home
all of these commercials make you feel
like you need these things
you don't need those things it would be
nice to have
but only if you have the money so you
don't need it
so avoid debt like the plague i want
young adults to just slow down
you can get things later in life just
save up
and pay cash for it the next thing is
that they often think
i can do whatever i want when i'm in
college and i'll just pay for it later
when i'm making money
taking on a lot of debt because you
won't tell yourself no we'll limit your
options later in life
because when you get out or even if
you're in school
you've got to make the money required to
make those payments
so by not thinking you can do whatever
you want and just pay for it later
what you're doing is having self-control
and
later that's going to give you options
for down the road
the third thing is the feeling that you
need a new car
you have to look cool on campus so you
need a new car
the problem with that is if you don't
pay cash for it
that car is bringing what a lot of debt
with it
and don't get me wrong i felt the same
way coming out of college
i didn't have enough money and so
fortunately i refused to go into debt
instead i saved up and i was able to get
a newer car
later everyone wants everything right
now
but debt keeps you from being able to
pursue your dreams
later in life don't fall for these myths
avoid debt save for emergencies and
large purchases
and learn to say no even when the people
around you
won't
you
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